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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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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.

More everyday benefits

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 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%).

⁶ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

⁷ Digital closing is currently only available in Ontario, Alberta, and British Columbia.

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), Saskatchewan (510903), Newfoundland and Labrador (22-07-NE115-1), New Brunswick (220015509) and Nova Scotia (2021-3000379), with all applications pending across Canada.