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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.

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Voted Canada’s Best Cashback card³ for a reason.

So many ways to earn cashback

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.

Jordan Lira


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.

G. Jones


Gain access to the credit you deserve

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¹ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.

² For Quebec Residents: 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%).

³ As awarded on October 19, 2021 by votes cast in the Canada’s Choice awards.

⁴ Average based on current offers at select partners. Cashback varies per plan, offer and partner.

⁵ Top-up is limited to $5,000 of spending per month at non-partners.