Make each transaction a triumph

<sup>¹ Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases are not eligible for cashback. Spend limit resets monthly. Minimum Neo Everyday account balance required to earn the highest rate. For more information, visit the Neo App. The Neo Rewards™ Program, including cashback, is operated by Neo.

² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Cashback, perks, insights, and other offers and rewards are operated by Neo.

³ For Quebec: Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%).

⁴ 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.

The Neo Everyday account is provided by Peoples Bank of Canada.

Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.</sup>  

Canada's fastest growing company

awarded by the Globe and Mail

4.8 ★ ★ ★ ★ ★  on App Store

10,000+ partners coast to coast

4.7 ★ ★ ★ ★ ★  on Google Play

Earn even more on Canada’s largest cashback network

Visit any of our 10,000 partners and earn an additional average of 5% cashback of top of your everyday cashback.² 

Neo Mastercard
at a glance

Annual Fee

Cash Advance   

Purchase Interest

$0

 19.99% - 29.99%³ 

Frequently Asked Questions

Who can get a Neo Mastercard?

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 Mastercard.

What is the cashback amount and how do rewards work?

Our cashback amounts are tied to your Everyday balance. For example, earn 2% on gas and groceries, with an additional 0.5% on all other spend¹ when you have $3,000 in your Everyday account.  

How can I redeem my cashback rewards?

You can redeem cashback rewards in a few ways. You can reduce the balance in your credit account, add the cashback to your Neo Everyday account, or redeem it for merchandise at the Neo Store.

How do I track my cashback rewards?

You can track your cashback rewards in your Rewards Wallet. 

Do all purchases qualify for cashback rewards?

You can earn cashback on the vast majority of your purchases online and in-store, but purchases such as gambling or cryptocurrency will be declined and won’t earn cashback.

Can I have more than one cashback credit card?

Yes, you can have more than one cashback credit card with Neo. You can apply for multiple Neo Credit cards to access different rewards programs.

What is the Purchase Credit Rate / APR?

The Purchase Credit Rate on the Neo Mastercard is 19.99%-29.99% and the Cash Advance Rate is 22.99%-31.99%.

For Quebec, the Purchase Credit Rate 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 Agreement and Disclosure Statement at time of application for your specific rate.

EN / FR

EN / FR

Up to $10k credit limit

Access to the Neo cashback network

No annual fee

Start spending right away with your virtual card

22.99% - 31.99%³ 

Do I have to pay fees?

There are no monthly fees for the Neo Mastercard.

The Secured Neo Mastercard has a monthly fee of $5.

What credit limits are available?

You can get up to a $10,000 credit limit if you’re approved for it. Credit limits are flexible and start as low as $500, subject to approval.