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.

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
Standard
Avg. 4% cashback
at partners1

 
Min. 1% cashback
across all spend3
Recommended if you spend less than $750 each month.
$2.99 / month
Plus
Avg. 5% cashback
at partners1
Partner offers and bonuses increase in value by 1.25X compared to Standard plan.²
Min. 1% cashback
across all spend3
Recommended if you spend $750 or more each month.
$8.99 / month
Ultra
Avg. 6% cashback
at partners1
Partner offers and bonuses increase in value by 1.5X compared to Standard plan.²
Min. 1% cashback
across all spend3
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
Free
$120
Cashback rewards
Avg. 4%1 at partners
Up to 2%
Overlimit fee
Free
$29
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%
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 7 days a week from 8:00 am to 8:00 pm MT
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support@neofinancial.com
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1 (855) 636-2265

FAQs

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 credit card interest rate?

The purchase credit 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 Average based on current offers. Cashback varies per offer and partner.
2 Value increase is an average and depends on card use.
3 Top-up is limited to $5,000 of spending per month at non-partners.

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.

Join Neo today

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

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