Neo credit card: cashback and easy approval

If you want a credit card with high cashback, no annual fee and fast approval, the Neo Financial Mastercard delivers up to 6% rewards and flexible credit options.

How the Neo card works

This card is built to adapt to different financial profiles. When you apply, you may receive a traditional credit card or a secured version, depending on your situation, both connected to the same ecosystem.

If approved for the standard version, you can access a credit limit of up to $10,000. If you’re starting or rebuilding credit, the secured option allows you to move forward while strengthening your financial history over time.

Cashback and rewards

You can earn up to 6% cashback when shopping with Neo partners across Canada, plus at least 1% on everyday spending like gas and groceries.

With thousands of partner stores, the reward system increases your earning potential on common purchases. There is also the option to upgrade your plan to unlock more cashback and additional features.

Digital experience

The card offers a fully digital experience. You get instant access to a virtual card, track your spending in real time, manage your account online, and set up automatic payments for convenience.

Is it worth it?

This card is a practical choice for earning cashback while building credit with flexibility. It fits different profiles and grows with your usage over time.