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.
Average 4% cashback
Earn instant cashback on everyday purchases.
No annuals fees
You keep the extra money and decide where it goes.
Cash back anywhere
Get cash back on every purchase with a monthly plan.
Real-time alerts
Know when you spend, save, earn, or owe. No surprises.
Cash out any time
No minimums. Cash out at anything with one tap.
Safety and security
Stay protected with Mastercard Zero Liability
Why Neo Mastercard?
Simplified payments
Easily see what you owe, make seamless payments, and learn how to avoid interest.
Advance 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.
Instant virtual card
Start spending before your physical card arrives.
Frequently Asked Questions
What is Neo and how is it different?
What is Neo and how is it different?
Neo is a Canadian 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?
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 a Neo Mastercard?
Who can apply for a 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.
How do I earn the $25 bonus?
How do I earn the $25 bonus?
Apply using the link on this page for a Neo Mastercard. Once you've been approved, Neo will add $25 to your rewards balance. Terms and conditions apply.