A credit card that rewards your lifestyle

Earn instant cash rewards when you pay at the stores you love.
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Canada’s most rewarding credit card

Everyday cashback

Earn rewards at thousands of local and national businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops and more.
The Neo Card and Neo Savings are available across Canada. Don’t worry Québec — we’re coming soon.

Add Neo to your digital wallet

Learn how to use Apple Pay and Google Pay with Neo.

Forget the fees

No annual or overlimit fees. You keep the extra cash and decide where it goes.

Stay on top of your money

Get proactive alerts and notifications in real-time.

Always in control

Freeze or replace your card, turn off online transactions, and more right from the app.

Amp up your cashback

Choose from flexible, monthly cashback rewards plans that help you earn more on every purchase. You’re never locked in to an annual fee and can switch plans anytime.
$0 / month
Essential
Avg. 4%1 cashback
at partners
Recommended if you spend less than $750 each month.
$4.99 / month
Plus
Avg. 5%1 cashback
at partners
Offers increase in value by an average of 25%.
0.5%2 cashback 
at non-partners
Recommended if you spend $750 or more each month.
$9.99 / month
Max
Avg. 6%1 cashback
at partners
Offers increase in value by an average of 50%.
1%2 cashback 
at non-partners
Recommended if you spend $1000 or more each month.

How it works

You can browse rewards near you before you apply.

How we stack up

Traditional Banks*
Annual fee
$0
$120
Cashback rewards
Avg. 4%1 at partners
Up to 2%
Overlimit fee
$0
$29
Inactive fee
$0
$10
Purchase APR
19.99% - 24.99%
19.99% - 24.99%
Cash Advance APR
22.99% - 26.99%
22.99% - 26.99%
Learn more

Discover a better way to grow and manage your money

Let’s get in touch

Have questions or want to chat? Reach out to speak with our support team.
Live call support from Monday to Friday, 9:00 am to 5:00 pm MT
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support@neofinancial.com
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1 (855) 636-2265

FAQs

What credit score do I need for the Neo Card?

We’re inclusive and look at the bigger picture, so we can accept a range of credit scores. If you’re not sure where you stand, do a quick check to see if you pre-qualify. Start your application on our app by entering some basic info without it impacting your score. If you’re pre-qualified, you’ll be invited to apply for a Neo Card.

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

Each store’s cashback rewards vary according to category, so checking the Neo app will get you the most up-to-date information on what’s available.

When you pay with Neo at a partnered store, you can earn instant cashback on many of your first-time visits and multiple visits afterwards. Simply pay with your Neo Card and rewards are redeemed automatically.

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

What is the interest rate?

The Annual Percentage Rate (APR) on the Neo Mastercard® is 19.99%-24.99%

Do I have to pay annual 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.

What happens if I lose my card?

Freeze your card in the app at any time to prevent unauthorized payments. If your card doesn’t turn up or you think it was stolen, report it in the app and follow the instructions to proceed. We’ll then send you a new card.

1 Cashback varies per offer and partner.
2 Cashback applies to purchase transactions occurring at Merchants not viewable within the Neo Platform, up to $1,250 in spend per subscription period for Standard card users.

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

Join Neo today

Explore the app and apply. A more rewarding future awaits.

Get started