A credit card that rewards your lifestyle

Earn instant cash rewards when you pay at the stores you love.
Download the app

Canada’s most rewarding credit card

Everyday cashback

Earn rewards at hundreds 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.

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.

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

How it works

You can browse rewards near you before you apply.

Discover rewards and cashback offers in the Neo app

Shop with a partner using your Neo Card

Earn rewards and cash out your earnings instantly

How we stack up

$0

Annual fee

Avg. 4%

Cashback rewards

$0

Overlimit fee

$0

Inactive fee

19.99% - 24.99%

Purchase APR

22.99% - 26.99%

Cash Advance APR

Traditional Banks

$120

Annual fee

Up to 2%

Cashback rewards

$29

Overlimit fee

$10

Inactive fee

19.99% - 24.99%

Purchase APR

22.99% - 26.99%

Cash Advance APR
Learn more

Discover a better way to grow and manage your money

Add Neo to your digital wallet

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

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 hundreds 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.

Join Neo today

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

Download the app