Join Neo and get up to $35¹

A Neo Ambassador wants you to enjoy the same benefits they do. You'll earn $25¹ when you get a Neo Card, and $10¹ when you get a Neo Money account and deposit a minimum of $50. Either way, earning more starts here.

We’re partnered with leading financial institutions

Earn $25¹ when you get a Neo Card

Get cashback

Earn an average of 5% cashback² at thousands of Neo partners.

Powerful insights

We keep track of your spending so you don't have to.

Instant notifications

Get notified in real-time when you make a purchase, score cashback, or when it's time to make a payment.

Earn $10¹ when you open a Neo Money account and deposit $50

Earn more

Earn 2.25% interest³ on every dollar with no monthly or annual fees.

Automate your payments

Make life easier with scheduled payments.

Unlimited free transactions

Pay your bills, send and receive payments, and get paid—all from one place.

Get up to $35¹ when you join Neo

Earn a sign-up bonus when you get a Neo Money account or Neo Card. Discover the account with no monthly fees and high interest or the credit card with instant approvals and cashback that feels like thousands of loyalty programs built into one.


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 fees⁴.

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% cashback² 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.

No—there are no annual or monthly fees⁴. 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.

¹ Limited-time offer. Only new Neo Card or Neo Money Account customers are eligible for the Referral Program. Referral Credit is only awarded if a Referred User is approved for a Neo Card or opens a Neo Money Account and deposits at least $50 in their account. Referred User has 90 days to complete the Referral Program process. Referral Program may be amended or cancelled at any time without notice. Referrals are subject to the Neo Reward Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions.

² Average cashback is based on current offers at select partners. Cashback varies per plan, offer and partner.

³ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

⁴ For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-26.99%).

For further information, please see Neo's Reward Program Terms & Conditions.

The Neo Money account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Money accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website

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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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. Any product names, logos, brands, and other trademarks or images featured or referred to within the Neo website are the property of their respective trademark holders.