Finally, a credit card that encourages customers to spend locally

Neo builds customized incentives for your business to attract new customers and keep them coming back.

The preferred payment method of retailers

Thousands of Canadians continue to choose the Neo Card for everyday purchases to earn competitive instant cashback rewards. Preferred retail partners can now act on the financial data needed to make decisions that drive meaningful customer acquisition, growth, and retention —in real-time. Neo offers a considerable market advantage.

 Canadian businesses love Neo

Gain new customers

By partnering with Neo, gain exposure to thousands of customers and increase sales through personalized customer incentives.

Turn casual customers into regulars

By knowing what customers have spent with you historically, Neo differentiates new customers from occasional and loyal customers and targets them accordingly.

Keep your customers coming back

Neo instantly re-engages your customers to come back and spend at your business.

Neo makes it easy to work together

Business as usual

Keep doing what you're doing. No new software, hardware, or changes to your POS and payment processor.

Get started in minutes

We move at your speed. Our team can get you up and running on Neo in 15 minutes.

No fees or commissions

100% of funded rewards go to your customers and 100% of revenue stays with you.

How it works



15 minute, hands-off setup

Neo creates personalized offers for your business

We build offers unique to your business, which adapts over time to drive additional sales.

Quick sign up with no long term contracts. We do the work so you can focus on your business.



We recommend your business to likely customers

You measure your growth

Neo identifies valuable customers to target and promote your business. We use personalization to deliver the right incentives to your customers at the right time.

Real-time dashboards allow you to track revenue, ROI, and better understand your customers.


Hands-free operations

No staff training or changes to your regular operations. The platform runs in the background, bringing you incremental profit automatically.

See the results

Share of wallet

Understand where customers spend, including with competitors.

Track metrics

Measure ROI and engagement in real-time, at an overview or detailed level.


Experience a high average return on investment completely on auto-pilot.

Hudson’s Bay and Neo Financial are teaming up to bring Canadians a new, digitally-integrated Hudson’s Bay Mastercard that will enhance the customer experience and better reward their lifestyle.

Partnering with a Canadian company, built on innovation and an entrepreneurial spirit, will help us deliver a better shopping experience to Hudson’s Bay customers and, in fact, reward them as they shop with us.” ‍

— Iain Nairn, President and CEO, Hudson’s Bay

What our current partners are saying 

"To me, Neo seems like the best step for understanding customer behaviour. It was really straightforward to get up and running, and the support teams have been tremendous in making sure I'm getting the most from the platform and that I'm really understanding what our customers need and want from our product. Through Neo, I can make better decisions for my business that ultimately add more value and bring me closer to my customers."

“Neo combines personalized marketing with a reward program and allows me, as a business owner, to evaluate the effectiveness of the program and adjust it accordingly so we can make the most out of it.”

Bird Canada — Alex Petre, General Manager

“Through Neo, I gain access to unique insights, which help me better understand my customers, their buying habits which helps me make better decisions for my business.”

Sidewalk Citizen — Aviv Fried, Owner

“The ease and simplicity in which I was able to get started and see immediate returns was remarkable. I like that I'm able to grow revenue through Neo without adding another thing to my plate. I didn't need to get a new machine, train my staff, or really change anything about the way I run my business day-to-day." — Arndrea Scott, Director of Marketing

BK Liquor — Sunny Kullar, Brand Manager

Join thousands of Neo partners

Fill out this form and a member of our team will connect with you soon.


Neo is partnered with thousands of local and national businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops, and more.

Neo does not charge our merchant partners any fees, commissions, or sign-up fees.

No! If you already accept credit cards you have everything you need to get started.

Fill out our Merchant Partner form and one of our team members will be in touch with you.

You can login to your merchant portal at any time to monitor the results of your Neo program. We also have a team of dedicated account managers to help you grow your business.

You can contact our account management team at any time at to reach out about marketing opportunities. We also have a merchant to customer referral program!

Yes, our dedicated merchant partner marketing team is here to support you to grow your business.


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The Neo Savings account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Savings accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor.

Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

All product and company names are trademarks™️ or registered®️ trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Any product names, logos, brands, and other trademarks or images featured or referred to within the Neo website are the property of their respective trademark holders.

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