Get $50 cashback* on your next purchase at Oxygen Yoga & Fitness with the Neo Card.

A special offer just for you. Get up to $50 cashback, plus instant cashback at Oxygen and thousands of businesses nationwide when you pay with Neo.

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Apply in minutes with no fees

*New applicants will earn 100% cashback, up to $50, on their first transaction at Oxygen on a Neo Card. Limited-time only. Conditions apply.

We’re partnered with leading financial institutions

Get rewarded with one of Canada's highest cashback rates

Pay with Neo to earn an average of 5%¹ cashback at thousands of local and national merchants including gas stations, grocery stores, restaurants, gyms, coffee shops, and more.

The credit card with real value

5% cashback at partners 

Earn 5%+¹ unlimited cashback at thousands of local and national Neo partners you already love.

Minimum 0.5% cashback guarantee

Get at least 0.5%² back across all purchases. We'll even top you up if you need it. 

Use it right away

There's no wait — add your card to Apple Wallet or Google Pay to use it as soon as you’re approved.

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

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Start earning today

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

Accepted everywhere Mastercard is.

Canada's most rewarding credit card

Earn instant cashback at the stores you

love when you pay with Neo.

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In only 3 minutes with zero paperwork

Have questions or want to chat? Our friendly support team is on it

Contact support 7 days a week from 7:00 am to 8:00 pm MST.

support@neofinancial.com
1 (855) 960-0329

FAQs

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 0.5%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 0.5%² across all your purchases, we will top your cashback up to 0.5%².

Terms & Conditions

*New applicants will earn 100% cashback, up to $50, on their first transaction at Oxygen on a Neo Card. Limited-time only. Conditions apply.

¹Average based on current offers, subject to change. Cashback varies per offer and partner. For further information, please see: Neo's Reward Program Terms & Conditions

²Top-up varies based on monthly spend and is limited to $50 per month.

³Pay only for purchases that you have authorized on your Mastercard. Conditions and exceptions apply.


Cards 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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