Earn up to 15% Cashback2 With No Annual Fees3

Voted Canada's best cashback credit card1

Make finances easier with Neo Credit

Frequently Asked Questions

Legal Disclaimers

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

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: 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%).

⁴ 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. 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.

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

⁶ Cashback may be limited and varies by perks, offer, and partner. Cashback earn subject to minimum or maximum spend threshold. There may be monthly limits for boosted cashback offers. For more information visit the Neo App. 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.

⁷ 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.

⁸ 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.

⁹ For Quebec: Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%)

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

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

Limited-time offer. This offer is only valid for eligible new Neo customers who successfully open their first Neo product. Limit of one offer per customer, this offer cannot be combined with other promotional codes. 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.

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.

By using this website, you accept our Platform Terms and Conditions and Privacy Policy. © 2024 Neo Financial

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Premium

Upgrade for more cashback + exclusive perks and features

Get the first month FREE

Higher everyday cashback

  • 3% on gas and grocery⁴
  • 0.5% cashback on everything else⁶

Boosted exclusive cashback offers at Neo partners⁶

  • 6% average cashback at restaurants, bars and cafes
  • 4% on popular streaming services
  • 4% on ride sharing services
  • 4% on food delivery services
  • 3%+ at retail partners (online and in-store)

All Base features and benefits, plus:

  • Credit score monitoring directly in the Neo app
  • $2,500 group life insurance⁷
  • 24/7 legal assistance⁷
  • Purchase protection with extended warranty⁸
  • Dedicated priority support

$4.99

CAD

/mo

Sign up in 3 minutes and use your virtual card instantly

Stay on top of your finances with real-time spend insights

Freeze and unfreeze your card anytime from the Neo app

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Base

A free plan that makes everyday spending more rewarding

Everyday cashback

  • 1% on gas and grocery⁴
  • 0.5% cashback on everything else6

Boosted exclusive cashback offers at Neo partners⁶

  • 5% average cashback at restaurants, bars and cafes
  • 3% on popular streaming services
  • 3% on ride sharing services
  • 3% on food delivery services
  • 2%+ at retail partners (online and in-store)

All Base features and benefits, plus:

  • Personalized insights powered by generative chat AI
  • Digital card available to use immediately
  • Get cashback at thousands of local and national partners

FREE

Apply Now

Upgrade for more cashback + exclusive perks and features

Get the first month FREE

Higher everyday cashback

  • 3% on gas and grocery⁴
  • 0.5% cashback on everything else⁶

Boosted exclusive cashback offers at Neo partners⁶

  • 6% average cashback at restaurants, bars and cafes
  • 4% on popular streaming services
  • 4% on ride sharing services
  • 4% on food delivery services
  • 3%+ at retail partners (online and in-store)

All Base features and benefits, plus:

  • Credit score monitoring directly in the Neo app
  • $2,500 group life insurance⁷
  • 24/7 legal assistance⁷
  • Purchase protection with extended warranty⁸
  • Dedicated priority support

$4.99

CAD

/mo

Apply Now

A free plan that makes everyday spending more rewarding

Everyday cashback

  • 1% on gas and grocery⁴
  • 0.5% cashback on everything else⁵

Boosted exclusive cashback offers at Neo partners⁶

  • 5% average cashback at restaurants, bars and cafes
  • 3% on popular streaming services
  • 3% on ride sharing services
  • 3% on food delivery services
  • 2%+ at retail partners (online and in-store)

All Base features and benefits, plus:

  • Personalized insights powered by generative chat AI
  • Digital card available to use immediately
  • Get cashback at thousands of local and national partners

FREE

Neo Credit at a glance

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Annual Fee³

No Fee

Purchase Interest⁹

19.99% - 29.99%

Cash Advance interest⁹

22.99% - 31.99%

What is the cashback amount and how do the rewards work?
Earn up to 5% cashback² at thousands of local and national Neo partners, including most major gas stations, grocery stores, restaurants, gyms, coffee shops, and more. Pay with your Neo Credit card to earn cashback rewards automatically.

What is the Purchase Credit Rate / APR?
The Purchase Credit Rate on the Neo Credit and Neo Secured Credit card is 19.99%-26.99% and the Cash Advance Rate is 22.99%-28.99%. 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.

Do I have to pay fees?
There are no annual or monthly fees3. 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.

How does the minimum cashback guarantee work?
With your Neo Credit card, you earn up to 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

Earn cashback every time you spend