Due to the ongoing Canada Post labour disruption, there may be delays in delivering physical credit cards and printed statements. Customers can still apply for cards, use digital cards immediately, and access all statements electronically through your online account or the Neo app.

Canada’s best cashback rates*

Put a winning hand in your wallet with credit cards designed to fit your life.
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Neo Credit
GroceryThe best cashback rate in Canada* on the essentials that matter most.
GasFill up your rewards wallet every time you fill up your car.
Recurring PaymentsGet rewarded on subscriptions and payments you already make.
Everything elseVirtually every purchase pays you back.
Neo World Elite® MastercardNeo World Elite® Mastercard
5% Grocery¹
4% Recurring¹
3% Gas¹
1% Everything else¹
5% additional average cashback at our 10,000+ partners²
$80,000 personal, $150,000 household income required, 700+Annual Fee: $125
Neo World Mastercard®Neo World Mastercard®
2% Grocery¹
2% Recurring¹
2% Gas¹
0.5% Everything else¹
5% additional average cashback at our 10,000+ partners²
$50,000 personal, $80,000 household income required, 680+Annual Fee: $0
Neo MastercardNeo Mastercard
1% Grocery¹
0% Recurring¹
1% Gas¹
0% Everything else¹
5% additional average cashback at our 10,000+ partners²
No income requirement, 640+Annual Fee: $0

Experience the power of cashback

Get cashback on key categories, and earn even more cashback with any of our 10,000 partners.
Groceries
Sobeys
Sobeys
-$435.00
5% - Category cashback
$21.75
Price after cashback
$413.25
You Save
$21.75
Restaurants
Boston Pizza
Boston Pizza
-$110.00
1% - Everything else Cashback
$1.10
Neo partner cashback of 8%
$8.80
Price after cashback
$100.10
You Save
$9.90
Gas
Shell
Shell
-$78.50
Category cashback of 3%
$2.36
Neo partner cashback of 1%
$0.79
Price after cashback
$75.35
You save
$3.15

World-class cashback that banks won’t match

See how we stack up below³.

CardEstimated Everyday cashback value (annual)Estimated Partner network cashback value (annual)Total cashback value (annual)
Neo World Elite® Mastercard$1,312$1,200$2,512
BMO CashBack World Elite® Mastercard$988$0$988
Scotia Momentum Visa Infinite$1,144$0$1,144
TD Cashback Visa Infinite$1,012$0$1,012
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Why cashback?

  • Instant reward
  • No guessing about points value
  • Spend it how you want
  • Simple and transparent
Why cashback?

No credit score? No problem.

Neo offers secured credit cards that reward too.
Learn More
Neo Secured Credit

Earning the trust of Canadians every day

4.8On the App Store®
1.3M+Customers
Awarded Canada's Fastest Growing Company, 2024 by The Globe and Mail
Canada's #1 rated financial app⁴

Get set up in minutes

Get a Neo credit card, open a free Neo Everyday account instantly, and earn boosted cashback levels.

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¹ Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases are not eligible for cashback. Spend limit resets monthly. For more information, visit the Neo app.² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. See the Neo Rewards™ Policy for additional terms and conditions.² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. See the Neo Rewards™ Policy for additional terms and conditions.³ Based on annual spend of $53,196 and a comparison of the non-promotional gas and grocery earn rates on cashback credit cards as of September 30th, 2024. Research excludes welcome offers. Numbers rounded for simplicity. Minimum balance required in your Neo Everyday account to earn the highest rate. For more information, visit the Neo App. The Neo RewardsTM Program, including cashback, is operated by Neo.⁴ Based on research comparing and limited to: BMO, CIBC, KOHO, PC Financial, EQ, RBC, Scotiabank, Tangerine, TD Bank, Wealthsimple, and Simplii Financial app ratings in the App Store and Google Play. Research conducted by Neo Financial on December 12, 2023.* Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases are not eligible for cashback. Spend limit resets monthly. Minimum Neo Everyday account balance required to earn the highest rate. For more information, visit the Neo app.