Thanks to your friend, you'll earn $25 when you get a Neo Card, and $10 when you get a Neo Money account and deposit a minimum of $50. Either way, earning more starts here.

Discover the credit card with instant approvals, cashback, and thousands of loyalty programs built into one. Start earning cashback on your everyday spending with the Neo Card.

Get the Card

Earn cashback

Earn an average of 5%+ cashback¹ at thousands of Neo partners.

Powerful insights

We keep track of your spending so you don't have to.

Instant notifications

Get notified in real-time when you make a purchase, score cashback, or when it's time to make a payment.

Get the perks of an everyday account and earn more interest. Neo Money features no monthly or annual fees and unlimited free transactions.

Open Account

Earn more

Earn 2.25% interest² on every dollar with no monthly or annual fees.

Automate your payments

Make life easier with scheduled payments.

Unlimited free transactions

Pay your bills, send and receive payments, and get paid – all from one place.

Join Neo today and earn up to $35

Get more from your money with a Neo Card or Neo Money account.

Have questions? 

We have answers.

What is Neo and how is it different?

Neo is a Canadian tech company that reimagines the way people spend, save, and earn rewards. We’re helping you make the most out of your time and money by building from the ground up using today’s technologies.

You can open an account within minutes, earn instant cashback at your favourite stores, and get real-time notifications when you spend and save, all without monthly or annual fees.

How does Neo work?

Neo offers access to better financial services through our easy-to-use app or website. Our vast network of cashback partners have signed up to reward you when you shop using your Neo Card. 

The Neo Money account earns high interest while allowing you to pay bills, send and receive e-transfers, and deposit/withdraw funds. Enjoy unlimited free transactions for no monthly or annual fees. We bet that's better than what you're currently getting.

Who can use Neo?

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 Card. A range of credit scores are accepted. Neo Money is not available to Quebec residents. Don't worry—we're coming soon.

Limited-time offer. Only new Neo 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 Card or opens a Neo Money Account and deposits at least $50 in their account. Referred User has 90 days to complete the Referral Program process. 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.

¹Average based on current offers, subject to change. Cashback varies per offer and partner. For further information, please see: Neo's Reward Program Terms & Conditions

²Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Inc.

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.

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