Get $REPLACE_ME when you apply for a Neo Card*

Start earning an average of 5%¹ cashback and break up with fees—for good. Get approved and start using your card instantly.  

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We’re partnered with leading financial institutions

Watch your money go further

We believe in no annual fees, easy access, and getting you more out of your money, by creating rewarding and innovative experiences for all Canadians.


Never visit a bank branch again with our 100% digital experience.

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

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Start earning today

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

0.5%

5%+

15%

Cashback at partners

Huge welcome bonuses

Minimum cashback guarantee

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

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

Earn at least 0.5%² back across all purchases. If your overall cashback falls below 0.5%², 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

Canada's most rewarding credit card

Start earning an average of 5%¹ cashback and break up with fees-for good. Get approved and start using your card instantly. 

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In only 3 minutes with zero paperwork

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 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 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

*Limited-time offer. Only new Neo Card customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Card. Customer has 90 days to complete the card application process. Offer is subject to the Reward Program Supplemental Terms and Conditions. Offer may be amended or cancelled at any time without notice.

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

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

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

*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.


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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