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 yet available in Quebec.
Get $35 Cashback¹ When You Join Neo
We’re making headlines
Get $25¹ When You Get the Neo Card™
Skip the fees and earn instant, unlimited cashback² with the Neo Card™
Get up to 15% cashback³
on first-time purchases
Enjoy an average 5% cashback³
at thousands of partners
Earn at over 10,000 partner locations
Get $10¹ When You Get Neo Money™
Grow your money up to 225x⁴ faster than a traditional bank with Neo Money™
2.25%⁵ interest on every dollar
No minimum balance required
No annual or transaction fees
Here's why 1 million Canadians love Neo
The Rewards Don't End There
Sign up and share your own referral code to continue earning
Questions? We have answers.
There are no monthly or annual fees. 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.
The Purchase Credit Rate on the Neo Card™ is 19.99%-26.99% and the Cash Advance Rate is 22.99%-28.99%.
For Quebec: the Purchase Credit Rate on the Neo Card is 19.99%-25.24% and the Cash Advance Rate is 21.99%-25.24%.
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.
Earn 2.25%⁵ interest on your entire Neo Money™ balance, no matter if you're a new or an existing member. Neo Money™ offers one of the highest rates in Canada and it's not an introductory or promotional rate.
Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
Yes! 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.
The Neo Money™ card is a prepaid card that lets you do things that a debit card does - like access cash and spend your money online and in-store without having to manually load funds onto your card.
With Neo Money™ you are spending the money in your Money account, so there is no credit check.
Yes! You'll earn instant cashback² on any transactions at partners in our rewards network. If you already have a Neo Card™ and a Neo Money™ account, you'll earn cashback² on any pending transaction across both products. Two great products, same great rewards.
Simply log in to your account and select 'Card' under the main menu. You will see a carousel of cards to select from and order a new card to your registered address.
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 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.
Card 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.
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.
¹ 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.
² 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 to the Neo Rewards™ Policy. Cashback and other offers and rewards are operated by Neo.
³ Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice. Cashback and other offers and rewards are operated by Neo.
⁴ Based on research comparing high-interest savings accounts of Canada’s ‘Big 5’ banks, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at February 22, 2021.
⁵ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.