Voted Canada’s Best Cashback Card¹

Instant, unlimited cashback

No annual fees²

Trusted by 1M Canadians

We’re making headlines

 Instant, unlimited cashback




Get up to 15% cashback³ on first-time 


Enjoy an average 5% cashback³ at thousands of partners

Cashback is yours to spend however you like

No annual fees²

Save up to $120⁴ per year, and earn cashback at 10,000+ loyalty partners with your Neo Card™

Real-time spend insights

Beat inflation.

Use the Neo app to track your spending habits, and gain valuable insights into your everyday purchases. 

Even more perks


Instant access

Security at your fingertips

Customizable rewards

Stay on top of your finances and never miss a payment again.

Get approved in minutes, and start using your digital card today.

Freeze or unfreeze your card anytime, and get immediate spend notifications. 

Customize your rewards to boost your standard cashback.

Here's why Canadians love Neo

1 million Canadians are already using Neo to better spend, save, and earn. 

Questions? We have answers.

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% cashback³ 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 on the Neo Card is 19.99%-26.99% and the Cash Advance Rate is 22.99%-28.99% .

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% instant partner cashback³ 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% cashback⁵ 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%⁵ across all your purchases, we will top your cashback up to 0.5%⁵.

¹ As awarded on October 19, 2021 by votes cast in the Canada’s Choice awards.

² 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%-25.24%) and cash advance rate (21.99%-25.24%).

³ Average based on current offers at select partners. Cashback varies per bundle, offer, and partner.  

⁴ 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.

⁵ Top-up varies based on monthly spend and is limited to $50 per month.

* 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 Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice

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.

All product and company names, logos, brands, and images are trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

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