Credit based on potential, not just history.
We believe that all Canadians are worthy of access to credit. With guaranteed approval¹, no annual fees² and unlimited cashback, the Neo Card offers an easy way to start using credit.
Voted Canada’s Best Cashback card³ for a reason.
Forget the fees
The full featured benefits of the Neo Card with no annual or overlimit fees².
Increase or decrease your credit limit whenever you need.
Keep track of what you’re spending with our insights dashboard.
Never miss a payment again with our auto-pay feature.
So many ways to earn cashback
Earn an average of 5% unlimited cashback⁴ at thousands of Neo partners.
Earn up to 15% cashback⁴ on your first purchase at participating partners.
If your overall cashback falls below 1%, we’ll top you up⁵.
I’ve been using it for almost two weeks already and it’s a great experience so far. I’m getting great cashback on local merchants and can earn even more by signing up for their ultra plan. I’ve never seen a cashback program like this.
The card is great – tons of cash back rewards at local businesses, really intuitive and helpful messaging about your credit, etc. And the app is awesome too, rewards map/search, granular card management, etc., that I've never seen for another credit card.
Straight talk about security funds
Your credit limit is equal to your security funds. You’re in control. Pick a limit you’re comfortable with and never worry about going over your limit (you can’t).
Your security funds are stored safely in your Neo account and will be fully returned if you close your card and have paid off your balance.