¹ Cashback earn subject to monthly spend limit. When monthly spend limit is reached, earn rate decreases for subsequent spending. Spend limit resets monthly. Minimum balance required to earn the highest rate. For more information, visit the Neo app.

² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. See the Neo Rewards™ Policy for additional terms and conditions.

³ Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions.

⁴ 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 each Certificate of Insurance, and for Quebec residents, each Product Summary. Travel insurances unavailable for Quebec residents. 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://www.neofinancial.com/legal/plans

⁵ Recurring payments are payments made on a monthly or other regular basis automatically billed by the merchant to your credit card. Cashback earn on recurring payments subject to $500 monthly spend limit. When monthly spend limit is reached, earn rate for recurring payments decreases to 1% for Neo World Elite® Mastercard and 0.5% for Neo World Mastercard®. Spend limit resets monthly. Cashback not applicable to payments not considered recurring payments or to all merchants. Please check with your merchant for eligibility. Any refunds, rebates or similar credits will reduce or cancel the cashback earned on the original recurring payment. For more information, visit the Neo app.

⁶ An annual fee of $10 will be charged for each additional Neo Mastercard or additional Neo World Mastercard. An annual fee of $49 will be charged for each additional Neo World Elite Mastercard. Annual fees are non-refundable.

⁷ The account owner is solely responsible for all charges made by the additional cardholder. The account owner may remove the additional cardholder at any time. The additional cardholder shares the account owner’s credit limit. Additional cardholders must be the age of majority in their province. All cashback earned by the additional card is automatically added to the account owner’s Rewards Wallet. Transactions made by the additional cardholder only impact the account owner’s credit history. Refer to the Cardholder Agreement and Rewards Policy for full terms and conditions.

The Neo Mastercard, Neo World Mastercard®, Neo World Elite® Mastercard and Neo Money™ card are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Frequently Asked Questions

Who can get a Neo credit card?

To be eligible for a Neo credit card, you must live in Canada, have a Canadian photo ID, and be the age of majority in your province of residence. 

How do I apply for a credit card? 

Find the card that fits you best from the above options and click Get this Card. You can apply and get approved in less than 5 minutes!

How and when can I redeem my cashback?

You can access your cashback as soon as the transaction is posted! 

View your cashback in your Neo Rewards Wallet and use it to reduce the balance on your credit account, add it directly to your Neo Everyday account, or redeem it for merchandise at the Neo Store.

What are the credit limits for each card? 

For the Neo World Elite^® Mastercard, the credit limit is up to $30,000 on approval, the Neo World Mastercard^® is up to $20,000 on approval, and the Neo Mastercard is up to $10,000 on approval.

Can I get an additional card? 

Yes, you can invite a spouse, family member, or someone you trust to get an additional card, making it easier to earn rewards and manage expenses all in one place.⁷

EN / FR

What is the annual percentage rate (APR)?

The Purchase Credit Rate on the Neo Mastercard and Neo World Mastercard^® is 19.99%-29.99% and is 19.99%-26.99% on the Neo World Elite^® Mastercard. 

The Cash Advance Rate on the Neo Mastercard and Neo World Mastercard^® is 22.99%-31.99% and 22.99%-28.99% on the Neo World Elite^® Mastercard.

For Quebec residents, the Purchase Credit Rate is 19.99%-23.99% and the Cash Advance Rate is 22.99%-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 Agreement and Disclosure Statement at time of application for your specific rate.

The monthly spend caps vary by category and based on the card you choose. For more information, visit here.

What are the monthly spend caps in each category?

Find the right card for you

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Available as a secured card for $5/month

Available as a secured card for $5/month

Best Neo Cashback Credit Cards

EN / FR

World-class cashback rates, like up to 5% back on groceries¹

No-annual-fee card options available

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Choose the card that suits your lifestyle and start earning today. It only takes 5 minutes to complete your application.

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Best Neo Cashback Credit Cards