Apply for a
Neo Mastercard®
to get $25 on us¹
Pay with Neo to earn exclusive cashback.
Get started in minutes.
A better way to spend, save, and earn rewards.
Earn an average of 4%² cashback at thousands of local and national gas, grocery stores, restaurants, gyms, coffee shops and more - both in-store and online.
Avg. 4%² cashback
Earn instant cashback on everyday purchases.
Cash out anytime
No minimums. Cash out at anytime with one tap.
Cashback anywhere
Get cashback on every purchase with a monthly plan.
Real-time alerts
Know when you spend, save, earn, or owe. No surprises.
No annual fees
You keep the extra money and decide where it goes.
Safety & security
Stay protected with Mastercard Zero Liability³.
Earn cashback rewards at
and thousands more…
There's more with Neo
Stay in control and manage your money with features that make spending and saving simpler.
Simplified payments
Easily see what you owe, make seamless payments, and learn how to avoid interest.
Advanced controls
Freeze your card, toggle online payments, and in-store payments.
Pay with ease
Add your card to your mobile device for contactless payments with Apple or Google Pay.
Apply now
Get $25 on us when you sign up for a Neo Mastercard.
What others are saying...
Almost every craft coffee shop I visit here in Vancouver has sweet rewards.
- App Store Review
FAQs
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 on your phone, earn instant cashback from your favourite stores, and get real-time notifications when you spend and save, without the monthly or annual fees.
How does Neo work?
Spend, save, and get rewarded with the Neo Mastercard, accessible through our app or online banking.
To earn rewards, simply pay with your Neo Mastercard at a partnered store, both in-store and online. The more you pay with Neo, the better the rewards get.
Who can apply for the 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 Neo. The Neo Mastercard accepts a range of credit scores.
What is the cashback amount and how do the rewards work?
Earn an average of 4%² cashback at thousands of local and national Neo Financial partners, including most major gas and grocery stores, restaurants, gyms, coffee shops, and more. Simply pay your Neo Mastercard to earn cashback rewards automatically.
Amp up your cashback with Neo’s Plus and Max rewards plans to unlock cashback everywhere you shop and earn even more on every purchase, starting at only $4.99 per month.
Rewards vary by partner and rewards plan, so checking the Neo app will get you the most up-to-date information on what’s available.
What is the Purchase Credit Rate / APR?
The Purchase Credit Rate / APR on the Neo Mastercard® is 19.99%-24.99%.
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.
Do I have to pay annual fees?
There are no annual or monthly 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.
How do I earn the $25 bonus?
Apply now for a Neo Mastercard. Once you’ve been approved, we’ll add $25 to your rewards balance. Terms and conditions apply.
Terms & Conditions
¹Limited time offer. Referral Credit is conditional on you: (i) being a resident of Canada, a new Neo customer, and applying for and being approved for a new Neo Card; and (ii) fulfilling and accepting all other conditions associated with the Referral Program, the Neo Platform, Neo Card and all other applicable terms and conditions.
²Average based on current offers, subject to change. Cashback varies per offer and partner. For further information, please see: Neo's Reward Program Terms & Conditions
³Pay only for purchases that you have authorized on your Mastercard. Conditions and exceptions apply.
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.
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