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.

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. 

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

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.

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.