Do more. Get more.

The more money you have in your Neo Everyday Account, the higher your cashback rates¹. See for yourself below.

Neo Money^TM Card

Neo Mastercard^® 

Available as a secured card

CEBL fans win
with Neo

Instant cashback on CEBL
tickets and merchandise

Instant cashback at Neo partners

No annual fees¹

Give your alley some oomph

Earn

15%

cashback² on
first-time ticket purchases at cebl.ca/neo

A big win at home.

Earn

10%

cashback² on all future ticket purchases at cebl.ca/neo

Just keep cheering.

Earn

5%

cashback³ on CEBL merchandise at select locations

Shop. Rep. Earn.

Neo High-Interest Savings account

Start your winning streak with 4.0% interest⁹ on every dollar.

High everyday interest

No minimum deposits

No monthly fees

Pay your way and earn instant cashback

Earn exclusive cashback rewards at thousands of Neo partners across Canada

Get up to 15% cashback⁵ on first-time purchases, with new welcome offers added regularly

Earn instant cashback on everyday essentials like gas and groceries

CEBL Championship Sweepstakes powered by Neo

Enter for your chance to win weekly and monthly prizes throughout the CEBL season.
* Terms and Conditions Apply

Frequently Asked Questions 

What do I need to join Neo?

You need to live in Canada, have a Canadian photo ID or accepted international ID, and be the age of majority in your province to apply for a Neo card. 

Do I have to pay fees?

There are no monthly or annual fees¹. 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.

What is the annual percentage rate (APR)?

The Purchase Credit Rate on the Neo Credit card and Neo Secured Credit card is 19.99% - 29.99% and the Cash Advance Rate is 22.99% - 31.99%. For Quebec: the Purchase Credit Rate on the Neo Credit card is 19.99% - 24.99% and the Cash Advance Rate is 22.99% - 25.99%. 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.

Is my money insured? 

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

How do you calculate interest?

Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice. Earn 4.00% interest⁹ on your entire Neo High-Interest Savings account balance, no matter if you're a new or an existing member.

Is the Neo Money^TM card a debit card?

The Neo Money^TM card is a prepaid card that lets you do things that a debit card does—like access cash and spend your money online and in-store without having to manually load funds onto your card.

Will the Neo Secured Credit card require a credit check to be approved?

No—there are no hard credit checks for the Neo Secured Credit card. Approval is guaranteed⁶ and instant regardless of good, low, or no credit.

What is the minimum amount I have to set aside for security funds?

Only $50 — because wealth should never be a condition for building credit. 

What makes the Neo Secured Credit card different from traditional credit cards?

Unlike other secured credit cards, the Neo Secured Credit card rewards you with cashback at thousands of places and helps build credit history.

Legal Disclaimers

¹ 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%-25.99%). 

² Tickets must be purchased through cebl.ca/neo to qualify for cashback. Earn 15% cashback (up to $20) on first-time ticket purchases and 10% cashback (up to $15) on subsequent ticket purchases. 

³ Cashback is available on merchandise at select CEBL locations: Calgary, Saskatchewan, Scarborough, Brampton, Niagara. 

⁴ Ranked as one of the top 10 Top Cash Back Rewards Credit Cards in 2023 by votes cast in the RewardsCanada.ca Canada’s Choice awards. 

⁵ Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. Third-party merchants may have minimum age requirements. 

⁶ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds. 

⁷ When you make payments in full and on time each month. 

⁸ There are no transaction fees applicable to the Neo Money^TM card, other than the 2.50% foreign exchange conversion fee. If you require a rushed card replacement, a $29 fee applies. 

⁹ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice. 

¹⁰ Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information, visit the Neo App. 

¹¹ Top-up varies based on monthly spend and is limited to $50 per month. 

¹² Cashback earn subject to minimum spend threshold. There may be monthly limits for boosted cashback offers. Terms and conditions apply. For more information, visit the Neo App. 

¹³ Neo AI is an educational tool and shouldn't be used as a source of financial advice, answers provided by Neo AI may not always be accurate 

¹⁴ Limited-time offer. This offer is only valid for eligible new Neo customers who successfully open their first eligible Neo product. Customer has 90 days to complete the card application process. The free trial offer expires 14 days after customer successfully opens their eligible Neo product. Limit of one offer per customer, this offer cannot be combined with other promotional codes. Once free trial is started, trial period will end after 60 days, after which the customer will be charged the monthly subscription amount. Offer is subject to the Neo Rewards Policy and may be amended or cancelled at any time without notice. Third party terms and conditions may apply. 

¹⁵ Cashback is earned on eligible purchases with the Premium plan. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo. 

¹⁶ Credit score monitoring is provided by TransUnion and is only available to customers who have subscribed to the Premium perk.

¹⁷ Member insurance benefits underwritten by The Wawanesa Life Insurance Company under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the insurance booklet.

¹⁸ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://card.neofinancial.com/legal-bundles. 

The Neo Money™ card is a prepaid Mastercard® issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada. 

The Neo Everyday and Neo High-Interest Savings accounts are provided by Peoples Bank of Canada, a CDIC member institution, and are eligible for CDIC deposit protection. Deposits held in Neo Everyday and Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.ca. 

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. 

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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