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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.

Forget the fees

The full featured benefits of the Neo Card with no annual or overlimit fees².

Flexible limits

Increase or decrease your credit limit whenever you need.

Insights

Keep track of what you’re spending with our insights dashboard.

Auto-pay

Never miss a payment again with our auto-pay feature.

So many ways to earn cashback

5%

Average cashback

Earn an average of 5% unlimited cashback⁴ at thousands of Neo partners.

15%

Welcome bonuses

Earn up to 15% cashback⁴ on your first purchase at participating partners.

1%

Cashback guarantee

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.

Jordan Lira

Customer

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

Customer

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.

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Gain access to the credit you deserve

Get Started

FAQ

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 RewardsCanada.ca 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.