Reward your everyday spending

Spend smarter and get more out of your money with the Neo Card.

Your Neo Card

Up to 20% cashback

Automatically get rewarded when you use Neo at partnered stores.

No annual fees

Gain all the perks without breaking the bank.

Apply in minutes

Get approved and start using Neo right away.

Grow your credit

Watch your credit climb even from scratch, with new ways to qualify.

How we stack up


Traditional Banks Based on typical rewards card offering from traditional banks.

Annual fees



Cashback Rewards

Up to 20%

Up to 2%

Overlimit Fees



Inactive Fees



Purchase APR

19.99% - 24.99%

19.99% - 24.99%

Cash Advance APR

22.99% - 26.99%

22.99% - 26.99%

Exclusive rewards, only with Neo

Earn rewards instantly when you pay with Neo

Discover offers from your favourite local and national brands when you grab a bite to eat, shop for groceries, hit the gym and more.

Explore Rewards

Build credit with Neo

No credit? No problem

It’s easy to qualify. Set up automated payments to your Neo Card from your Neo Savings account to help build your credit.

(Coming soon)

Higher credit limit over time

We see your hard work and when you’re eligible, we’ll bump your credit limit.

Tools to keep you on top of it

Spending insights at your fingertips, so you always know where your money’s going.

By your side whenever you need

Around-the-clock access

Lock your card or replace it if it’s lost - all from the app.

Timely alerts

Get real-time notifications so you’re always on top of things.

Fighting fraud for you

You’re protected from fraud with Mastercard’s Zero Liability protection.

To get started

Download the Neo app

Have your Government ID handy and take a selfie

Start using Neo right away with your virtual Mastercard® - you’ll get your physical card in a week or so

Get Early Access


The Neo Savings account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Savings accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor.

The Neo Mastercard® Credit Card is issued by ATB Financial pursuant to license by Mastercard International. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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