Start earning cashback like never before

The Neo Card unlocks cashback at thousands of partners across Canada for an average 5%¹ unlimited cashback. Get rewarded for shopping local, big box, and everything in between.

We’re partnered with leading financial institutions

Cashback, no fees, and all digital? Oh my!

Score seriously high cashback with an average of 5%¹ at thousands of partners across Canada. Say bye to fees, with no monthly, annual, or overlimit fees. No more waiting in lines for your card, or for your cashback, with everything instant and 100% digital. Join in 3 minutes and start using your card today.

Earn unlimited cashback at thousands of great names like these - and more

Start earning today

More of a “shop local” type?Neo is your local guide

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

Earning rewards is as easy as1-2-3

Use the app to discover all the businesses that get you cashback

Pay using your Neo Card to score cashback offers

Earn partner cashback instantly and cash out your earnings whenever

Earn three ways

5%

15%

1%

Cashback at partners

Huge welcome bonuses

Minimum cashback guarantee

Earn an average 5% unlimited cashback at thousands of local and national Neo partners.¹

Earn enormous bonuses—like 15% cashback—on your first purchase at most partners.¹

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

Accepted everywhere Mastercard is.

Simple, instant, and catered to you

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.

The security and safety you expect, and deserve

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.³

Join the Neo community and get rewarded like never before

We've curated a community of businesses that give you avg. 5%¹ unlimited cashback for shopping local, big box, and everything in between.

FAQ

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 at your favourite stores, and get real-time notifications when you spend and save, all without monthly or annual fees.


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.


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.


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.


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.


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.


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 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 high-interest savings rate of Canada’s ‘Big 5’ banks using a $100 investment, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at June 16, 2022.


** 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.


Card 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.


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