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Voted Canada’s best cashback card¹. For a reason.

We've curated a community of businesses that give you an average 5% unlimited cashback² for shopping local, big box, and everything in between.

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7,000 loyalty programs in your pocket.

Discover why this is the only card you’ll need – create a free account and explore offers from your favourite places, or uncover something new.

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So many ways to earn cashback

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Average cashback

Earn an average of 5% unlimited cashback² at thousands of Neo partners.


Welcome bonuses

Earn up to 15% cashback² on your first purchase at participating partners.


Cashback guarantee

If your overall cashback falls below 1%, we’ll top you up³.

A card for all Canadians

Choose the type of credit that works best for you. No matter what you choose, you’re getting the same great features.

Standard Credit

You already have a good credit score, or more than one credit card. Choose standard credit.

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Secured Credit

You’re new to credit or to Canada. Or you want to avoid a hard credit check. Check out secured credit.

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A “credit card” is an understatement

At Neo, we’re changing the credit card experience for the better. New and innovative features are being released all the time that will change your relationship with credit.

Tap to freeze

We get it, sometimes our card grows legs and walks away too. That’s why we’ve left you in total control. When it turns out it’s in the other jacket, and not actually lost or stolen, you can take a breath, unfreeze, and go forth.

Powerful insights

We keep track of your spending so you don’t have to. Get a quick view of where your money is being spent so you can truly understand, no more guessing.

Virtual card

Have you ever needed your full credit card details, but didn’t have your card on you? Don’t worry, you can leave your Neo Card at home and have your virtual card available at all times.

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Boost your cashback

Increase your cashback rate on all applicable purchases by subscribing to a rewards plan. Plans are monthly, so you’re never locked in.

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More everyday benefits

Zero liability

Backed by Mastercard®’s Zero Liability protection⁴, the Neo Card is fully protected from any unauthorized transactions

Payment security

Your payment info is protected with multiple layers of security to help keep your account safe.

All things instant

Get instant cashback, instant notifications, and start using it instantly. We like instant things too.

Apply in minutes. Use instantly.

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So much more than the Neo Card

Get more from your money with simple and innovative products designed for life today.

Neo Money

Save, spend, and earn high interest.

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Neo Invest

Grow wealth and plan for life's major goals

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Neo Mortgage

Low rates with none of the stress

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Have questions? We have answers.

¹ As awarded on October 19, 2021 by votes cast in the Canada’s Choice awards. ² Average based on current offers at select partners. Cashback varies per plan, offer, and partner.³ Top-up is limited to $5,000 of spending per month at non-partners.⁴ Pay only for purchases that you have authorized on your Mastercard. Conditions and exceptions apply.⁵ Monthly Statements; No monthly or annual fees; 21 day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (21.99%-26.99%).OneVest Management Inc. is a registered Portfolio Manager in each province and territory of Canada and an Investment Fund Manager in the provinces of Alberta, Newfoundland and Labrador, Ontario and Quebec. Assets in your OneVest accounts are held with CI Investment Services (CIIS), a registered investment dealer in each province and territory of Canada, a member of the Investment Industry Regulatory Organization of Canada (IIROC). OneVest is a wholly owned subsidiary of One Wealth Technologies. Copyright @ 2021, One Wealth Technologies Inc. All rights reserved.Neo Mortgage Services Inc. is currently licensed in Alberta, Ontario (#13444), British Columbia (MB600606), and Newfoundland and Labrador (22-07-NE115-1), with all applications pending across Canada.