Upgrade your Neo experience
Powerful new features to help you manage your money. More cashback on the things you love.
Upgrade to Premium for just $9.99 a month.
Transform your money
Unlock the power of your spending and take control of your money. Get higher cashback, exclusive features and offers, and tools that make your life easier.Boosted Partner CashbackEarn an average 6% cashback¹ on dining and food delivery, 4%¹ on streaming and rideshare services, and over 3%¹ at retail partners (online and in-store).
3% Cashback² on EssentialsSave up to $240² a year on the essentials with 3% cashback² on gas and groceries, no matter where you pay for them.
Extra Cashback EverywhereWe'll add an additional 0.5% cashback on all other purchases, regardless of where you spend.
Credit MonitoringGet access to credit monitoring directly in the Neo app. Track changes to your credit score and find out what factors could be affecting your score.
Additional BenefitsEnjoy enhanced purchase protection and extended warranty⁴, 24/7 legal assistance⁵, plus $2,500 group life insurance⁵.
Priority SupportGet Neo’s support team on speed dial. Unlock Priority Support and be first in line if an issue arises with a dedicated priority phone line.
Get more with Premium
Unlock exclusive new features and boosted cashback today.
Base
The free plan that makes everyday spending more rewarding
Free1% cashback² on gas and groceries
Cashback at Neo partners
Powerful, simple money management tools
Premium
Upgrade for more cashback + exclusive perks and features
$9.993% cashback² on gas and groceries
Boosted cashback at Neo partners
All Base tools + exclusive new features
Got questions?
We've got answers.
Can I add other perks if I already have Premium?
Absolutely! Premium is an upgrade to your overall Neo experience that gives you higher cashback and new features. Perks are flexible monthly subscriptions focused on specific rewards, like Travel or Food & Drink, which you can add on top of your Premium plan to get a more customized rewards experience.
When does my Premium plan take effect?
Immediately. As soon as you’ve activated Premium on your card, you’ll be able to start enjoying new features, benefits, and boosted cashback rates.
Can I cancel my Premium plan?
Yes. Your rewards experience is yours to build. Just like perks, Premium is a monthly subscription that you can cancel anytime.
What happens if I cancel my Premium plan mid-month?
If you cancel your Premium plan mid-month, you’ll keep all the benefits until the end of the current month.
¹ Cashback earn subject to minimum spend threshold. There may be monthly limits for boosted cashback. Terms and conditions apply. For more information, visit the Neo App.² 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.³ Top-up varies based on monthly spend and is limited to $50 per month.⁴ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates.⁵ Member insurance benefits underwritten by The Wawanesa Life Insurance Company under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the insurance booklet.