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Apply for a Neo Mastercard
to get $25 on us!

Pay with Neo to earn exclusive cashback.
Get started in minutes.

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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 any time

No minimums. Cash out at anything 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.

Neo Mastercard perks

There's more with Neo

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.


Cashback at partners

Earn an average 5%+¹ unlimited cashback at thousands of local and national Neo partners.


Huge welcome bonuses

Earn enormous bonuses — like 15% cashback — on your first purchase at most partners.


Minimum cashback guarantee

Earn at least 1%² back across all purchases. If your overall cashback falls below 1%², we’ll top you up.


Canada's most rewarding credit card

Get $25 on us when you sign up for a Neo Mastercard. Start earning an average of 5%¹ cashback and break up with fees-for good. Get approved and start using your card instantly. 

Apply Now  In only 3 minutes, zero paperwork


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.

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.

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.

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.

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.

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.

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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