Apply for the Neo Card and get approved today

Start earning an average of 5%¹ cashback and break up with fees—for good.

In 3 minutes with zero paperwork

We’re partnered with leading financial institutions

Earn three ways




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.

Thousands of local and national partners

Earn cashback with thousands of partners, and cashout whenever you want.


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 5%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 an average of 5%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.

¹Average based on current offers. Cashback varies per offer and partner.

²Top-up is limited to $5,000 of spending per month at non-partners.

All product and company names are trademarks or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. 

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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