We've curated a community of businesses that give you an average 4%+¹ unlimited cashback for shopping local, big box, and everything in between.

The Neo Card unlocks cashback at thousands of partners across Canada for an average 4-6%+¹ unlimited cashback. Get rewarded for shopping local, big box, and everything in between.

Never visit a bank branch again with our 100% digital experience. Oh, and there are no annual fees.

Your favourite coffee shop and that new restaurant around the corner are part of the Neo community, too.

Create an account to browse rewards before you apply

Discover rewards 

Download the Neo app and explore rewards.

Pay with your Neo Card

Use your Neo Card and get awesome cashback.

Earn instant cashback

Earn cashback and cash out your earnings 24/7.

4%+

15%

1%

Cashback at partners

Huge welcome bonuses

Minimum cashback guarantee

Earn an average 4%+¹ unlimited cashback at thousands of local and national Neo partners.

Earn enormous bonuses — like 15% cashback — on your first purchase at most partners.

Earn at least 1%² back across all purchases. If your overall cashback falls below 1%², we’ll top you up.

Choose a flexible, monthly rewards plans to earn more on every purchase. 

You’re never locked in to an annual fee and can switch plans anytime.

Standard

Free to all customers

Avg 4%¹ cashback at Neo partners

1%² minimum cashback across all spend

Recommended for customers who spend less than $750/month

Plus

$2.99/month

Avg 5%¹ cashback at Neo partners

1%² minimum cashback across all spend

Partner offers and bonuses increase in value by 1.25X³ compared to Standard plan

Recommended for customers who spend more than $750/month

Ultra

$8.99/month

Avg 6%¹ cashback at Neo partners

1%² minimum cashback across all spend

Partner offers and bonuses increase in value by 1.5X³ compared to Standard plan

Recommended for customers who spend more than $1000/month

Stay on top with notifications

Get notified in real-time when you make a purchase, score cashback, or it's time to make a payment.

Your rewards, at your fingertips

See all your rewards, your Neo Card details, and your spending information in one tap.

Freeze a lost card

You’re in control. Freeze (and unfreeze) your card in one tap.

Protection against fraud

Mastercard Zero Liability protects you from unauthorized transactions.⁴

Traditional Banks*

Annual fee

Free

$120

Avg. 4%¹ at partners

Up to 2%

Cashback rewards

Free

$29

Overlimit fee

Inactive fee

Free

$10

Purchase Credit Rate / APR

19.99% - 24.99%**

19.99% - 24.99%

Cash Advance Credit Rate / APR

21.99% - 26.99%**

22.99% - 26.99%

Minimum cashback guarantee

1%²

There are thousands of partners coast-to-coast offering you an avg. 4-6%+¹ unlimited cashback. Start earning today to get rewarded for your everyday spend. 

What is Neo and how is it different?

Neo is a Canadian tech company that reimagines the way people spend, save and earn rewards. We’re helping you make the most out of your time and money by building from the ground up using today’s technologies.

You can open an account within minutes, earn instant cashback from your favourite stores, and get real-time notifications when you spend and save, all without monthly or annual fees

Who can join to get the Neo Card?

You need to live in Canada, have a Canadian photo ID, and be the age of majority in your province to apply for the Neo Card. A range of credit scores are accepted.

What is the cashback amount and how do the rewards work?

Earn an average of 4%+¹ cashback at thousands of local and national Neo partners, including most major gas stations, grocery stores, restaurants, gyms, coffee shops, and more. Simply pay with your Neo Card to earn cashback rewards automatically.

What is the Purchase Credit Rate / APR?

The Purchase Credit Rate / APR on the Neo Card is 19.99%-24.99%.

The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.

Do I have to pay fees?

There are no annual or monthly fees. We’re here to give you the most out of your money, so you keep the extra cash and do what you want with it.

How does the minimum cashback guarantee work?

With your Neo Card, you earn 4-6%¹ instant partner cashback when you shop at Neo partners. We are so confident in the value our customers receive from this program that we guarantee you at least 1%² cashback every month. This means that if, for some reason at the end of the month, your instant partner cashback adds up to less than 1%² across all your purchases, we will top your cashback up to 1%².

Terms and Conditions

¹ Average based on current offers. Cashback varies per offer and partner. 

² Top-up is limited to $5,000 of spending per month at non-partners. 

³ Value increase is an average and depends on card use.

⁴ Pay only for purchases that you have authorized on your Neo card. Conditions and exceptions apply.

For further information, please see: Neo's Reward Program Terms & Conditions

* Based on research comparing annual and no-fee credit cards of Canadian banks, excluding promotional periods or waived fees. Research conducted by Neo Financial and based on data taken from public websites as at February 1, 2021

** The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.

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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.

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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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