Level up your Neo experience
Get enhanced cashback² on the things you love. Plus, upgraded features to help you manage money flawlessly.
Upgrade to Premium for just $9.99 a month.
Transform your money
Experience the power of enhanced cashback². Get higher rates², exclusive features and offers, and tools that help you take control of your money—all without minimum deposits.+2% Cashback² on essentialsSave up to $340⁵ a year on the essentials with a +2% cashback² boost on gas and groceries—no matter where you pay for them.
Boosted Partner Cashback²Earn an average¹ 6% cashback on dining and food delivery. 4% on streaming and rideshare services. And over 3%² at retail partners.
Bookstores & eBooksCatch up on reading with 2% cashback² at partner stores like Chapters, Indigo, and Kobo.
Credit MonitoringGet access to credit monitoring directly in the Neo app—provided by TransUnion®. Track changes, and find out what factors could be impacting your score.
Additional BenefitsEnjoy enhanced purchase protection and extended warranty³, plus $2,500 group life insurance and 24/7 legal assistance⁴.
Priority SupportGet Neo’s support team on speed dial. Unlock Priority Support and be first in line with a dedicated premium phone line.
Get more with Premium
Exclusive features. Even more cashback.
| Features | Additional Value |
|---|---|
| Grocery spend² | +2% |
| Gas spend² | +2% |
| All other spend² | +0.5% |
| Avg. Cashback Network Restaurant | +1% |
| Avg. Cashback Network Streaming | +1% |
| Avg. Cashback Network Rideshare | +1% |
| Avg. Cashback Network Food Delivery | +1% |
| Avg. Cashback Network Shopping | +1% |
| Credit Score Monitoring | ✅ |
| Extended Warranty & Purchase Protection | ✅ |
| Balance guard+ (Life+legal) | ✅ |
| Priority Support | ✅ |
| Monthly Price | $9.99 |
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, giving you higher cashback and new features. Perks are flexible monthly subscriptions focused on specific rewards, like Travel or Food & Drink. You can add these on top of your Premium plan to create a rewards experience tailored to you.
Does Premium work across all my Neo products?
Yes. Neo Premium is an additive perk. The figures listed above compare Base to Premium, but you will receive the same boost (+2% Grocery & Gas, +1% Neo network, +0.5% on everything else) across all Neo products.
Is Premium the only way of accessing boosted cashback?
With the introduction of our Do More, Get More plans, depositing a minimum value into your Neo Everyday account unlocks enhanced cashback levels. Premium boosts your cashback on top of this.
When does my Premium plan take effect?
Immediately. As soon as you’ve activated Premium on your card, you will be able to start enjoying the new features, benefits and boosted cashback rates.
Can I cancel my Premium plan?
Of course. 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 Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice.² Cashback earn subject to minimum spend. Boosted cashback may be subject to monthly limits. Terms and conditions apply. For more information, visit the Neo app.³ 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 here: https://www.neofinancial.com/legal/plans⁴ 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.⁵ Based on the maximum $500 category spending per month. Cashback may be subject to limits and varies by perk, offer, and partner. Terms and conditions apply. For more information, visit the Neo app* Limited-time offer. This offer is only valid for new Neo customers who qualify for an eligible Neo product. Offer cannot be combined with other promotional codes, limit of one per customer. Customer will be charged monthly subscription fee after 30 day free trial. Customer has 90 days to complete the card application process. Offer is subject to the Neo Rewards Policy and may be amended or cancelled at any time without notice. Third party terms and conditions may apply.The Neo Everyday account is provided by Peoples Bank of Canada.