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

Accounts and tools that make your money work smarter

Access to everyday high interest

Instant cashback


Choose a product and complete your application in 3 minutes.

Neo High-Interest Savings account

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

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High everyday interest

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No minimum deposits

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No monthly fees

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Neo Money™ card


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

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Neo Secured Credit


Annual Fee: $0⁶

Get guaranteed approval⁴ and tools to build your credit history​​⁵.

Features included:

Unlimited cashback rewards

Flexible credit limit from $50-$10,000

No hard credit check required⁷

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Neo Credit


Annual Fee: $0⁶

Earn everyday cashback with Canada’s favourite cashback credit card⁸.

Features included:

Unlimited rewards

Up to 15% cashback⁹ on first-time purchases

More cashback with personalized plans

Base
The free plan that makes everyday spending more rewarding
FREE

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
Premium
Upgrade for more cashback + exclusive perks and features
$4.99
CAD
/mo
Best value

Higher everyday cashback

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

Boosted exclusive cashback⁹ offers at Neo partners

  • 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 insurance¹² 
  • 24/7 legal assistance¹²
  • Purchase protection with extended warranty¹³
  • Dedicated priority support

Pay your way and earn instant cashback

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Earn exclusive cashback rewards at thousands of Neo partners across Canada

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

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Earn instant cashback on everyday essentials like gas and groceries

Frequently Asked Questions