Get up to $25* on us when you sign up for Neo


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Accounts and tools that make your money work smarter

Neo MoneyTM card

Get $10*

Pay your way and earn instant cashback

Earn exclusive cashback rewards at thousands of Neo partners across Canada

* Limited-time offer. Only new Neo Credit card or Neo Money™ account customers are eligible for the Referral Program. Referral Credit is only awarded if a Referred User is approved for a Neo Credit card or opens a Neo Money™ Account and deposits at least $50 in their account. Referral Program may be amended or cancelled at any time without notice. Referrals are subject to the Neo Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions.

¹ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.  

² There are no transaction fees applicable to the Neo Money™ card, other than the 2.50% foreign exchange conversion fee. If you require a rushed card replacement, a $29 fee applies. 

³ 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. 

⁴ 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. 

⁵ When you make payments in full and on time each month. 

⁶ 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%). 

⁷ Excluding Quebec residents. 

⁸ As awarded on October 19, 2021 by votes cast in the RewardsCanada.ca Canada’s Choice awards. 

⁹ 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. 

¹⁰ Top-up varies based on monthly spend and is limited to $50 per month. 

¹¹ 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 

12 Limited-time offer. Offer only valid for customers opening a new 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. 

13 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. 

14 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.

Neo Money™ card and Neo Money™ account are not available for Quebec applicants.


The Neo Money™ card is a prepaid Mastercard® issued by Equitable Bank pursuant to license by Mastercard International Incorporated. The Neo Money™ card is powered by the Neo Money™ account, which is provided by Concentra Bank.


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 cdic.ca.


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.  


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.
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 

Access to everyday high interest

Instant cashback

Annual Fee: $02

Smarter than a debit card. The rewards of a credit card. 

Features included: 

Instant cashback at Neo partners

Free everyday transactions

Cashback on all gas and groceries3

Neo Secured Credit

Annual Fee: $06

Get guaranteed approval⁴ and tools to build your credit history⁵. 

Get $25*

Features included: 

Unlimited cashback rewards

Flexible credit limit from $50-$10,000 

No hard credit check required7

Neo Credit

Annual Fee: $06

Earn cashback with Canada’s favourite cashback credit card8

Get $25*

Features included: 

Unlimited rewards

Up to 15% cashback9 on first-time purchases

More cashback with personalized plans

Choose your card, pick your plan

Get Premium and unlock exclusive features and benefits. No hidden fees. Cancel anytime. 

Base

A free plan that makes everyday spending more rewarding

Everyday cashback

  • 1% on gas and grocery3
  • 0.5% monthly minimum cashback10

Exclusive cashback offers9 at Neo partners

  • 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)

Features and benefits

  • Personalized insights powered by generative chat AI11
  • Digital card available to use immediately
  • Get cashback at thousands of local and national partners

FREE

Premium

Upgrade for more cashback + exclusive perks and features

$4.99

CAD

/mo

Higher everyday cashback

  • 3% on gas and grocery3
  • 0.5% cashback9 on everything else

Boosted exclusive cashback offers at Neo partners9

  • 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 insurance13
  • 24/7 legal assistance13
  • Purchase protection with extended warranty14
  • Dedicated priority support

Get up to 15% cashback9 on first-time purchases, with new welcome offers added regularly

Earn instant cashback on everyday essentials like gas and groceries

Frequently Asked Questions

What do I need to join Neo?

You need to live in Canada, have a Canadian photo 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 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. 

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 with no annual fees6

Neo High-Interest Savings Account

Make your savings goal a reality with 4.00% interest1 on every dollar.

High everyday interest

No minimum monthly deposits

No monthly fees

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.

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