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 Excluding Quebec residents.³ Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information, visit the Neo App.⁴ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner.⁵ For Quebec: 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 (22.99%-25.99%).⁶ When you make payments in full and on time each month.⁷ Except in Quebec where the amount of the security funds is a variable amongst others, which helps establish your credit limit.