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Neo Mastercard®
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Neo Mastercard® -- a no annual fee card with instant, unlimited cashback and your choice of upgradable perks.



FEATURES
  • Earn an average 5%+¹ cashback at thousands of partners.

  • No annual fees, no overlimit fees and unlimited transactions.

  • Earn up to $680 in annual cashback¹.

  • Upgradeable perks across dining, gas and grocery, travel, and more

  • Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.

  • View the rewards offered near you by downloading the Neo app, and cash out your rewards 24/7 - no minimum thresholds.


Get cashback with Shell
  • Earn 2% cashback at the pump or convenience store locations
  • Earn 4% cashback on transactions made through the Shell App
  • Boost these offers by 50% if you’ve subscribed to Neo’s Everyday Essentials perk (boosted to up to 6% cashback!)
Offer only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.



Upgrade to Premium

Upgrade to Premium for only $4.99/month and get the first 3 months free.
Plus get more cashback + exclusive perks and features.


Everyday cashback
  • Up to 4% on gas and grocery
  • Up to 1% cashback on everything else




Terms and Conditions
Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

Apple Pay is a trademark of Apple Inc.
Google Pay is a trademark of Google LLC.
Initial Rewards: Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
On Going Rewards 1st: Earn an average 5%+ cashback at thousands of partners and at least 1%² cashback guaranteed
On Going Rewards 2nd: No annual fees, no overlimit fees and unlimited transactions
GCR Rebate: 60
GCR Rebate
$60 		Initial Rewards
Unlimited transactions, no annual fees 		Credit Needed
Good
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.

• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• One Cash Back Rebate per customer for the first Neo product applied for and approved.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
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Neo World Elite® Mastercard
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Get rewarded with real money instead of points.



FEATURES
  • 5% cashback on groceries1
  • 4% cashback on recurring bills1
  • 3% cashback on gas1
  • 1% cashback back on everything else1


Boost Your Cashback
  • Bank with a Neo Everyday account and boost your rewards up to 7% on groceries, 5% on recurring bills, and 4% on gas. The higher your balance is, the higher your cashback rate is.

  • Shop at over 10,000 network partners and earn an additional average of 5% cashback on top of your everyday cashback.2


Additional Card Benefits
  • Mastercard World Elite® Travel benefits2

  • Extended Warranty & Purchase Protection: Extends manufacturer’s warranty and provides protection for damaged or stolen items.3

  • Auto Rental Collision Loss Damage: Coverage for damages or theft in rental vehicles, providing additional financial protection for renters.3

  • Comprehensive Travel Insurance: Out of province or country emergency medical, delayed and lost baggage, flight delay, trip cancellation/interruption, and more!3


Purchase Interest Rate: 19.99% - 26.99%
(Newfoundland and Quebec: 19.99% - 23.99%)


Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

The Neo Everyday account is provided by Peoples Bank of Canada.
Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
Initial Rewards: Get up to 5% cashback on groceries, recurring bills and gas.
On Going Rewards 1st: Extensive travel, warranty and insurance benefits
On Going Rewards 2nd: Shop at over 10,000 network partners and earn additional cashback
GCR Rebate: 70
GCR Rebate
$70 		Initial Rewards
Boost your rewards up to 7% with Neo Everyday account 		Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.

• Cash Back Rebate is valid for eligible new Neo customers only.
• One Cash Back Rebate per customer for the first Neo product applied for and approved.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must notify GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.
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Neo World Mastercard®
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Get rewarded with real money instead of points - and no Annual Fee.



FEATURES
  • 2% cashback on groceries1
  • 2% cashback on recurring bills1
  • 2% cashback on gas1
  • 0.5% cashback back on everything else1

  • No annual fee


Boost Your Cashback
  • Bank with a Neo Everyday account and boost your rewards up to 4% on groceries, recurring bills, and gas. The higher your balance is, the higher your cashback rate is.

  • Shop at over 10,000 network partners and earn additional cashback on top of your everyday cashback.2


Purchase Interest Rate: 19.99% - 29.99%
(Newfoundland and Quebec: 19.99% - 23.99%)


Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

The Neo Everyday account is provided by Peoples Bank of Canada.
Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
Initial Rewards: 2% cashback on groceries, recurring bills and gas plus no annual fee. Boost your rewards up to 4% with a a Neo Everyday account.
On Going Rewards 1st: Shop at over 10,000 network partners and earn additional cashback
On Going Rewards 2nd: 0.5% cashback back on everything else
GCR Rebate: 50
GCR Rebate
$50 		Initial Rewards
Boost your rewards up to 4% with a a Neo Everyday account 		Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.

• Cash Back Rebate is valid for eligible new Neo customers only.
• One Cash Back Rebate per customer for the first Neo product applied for and approved.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must notify GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.
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Secured Neo Mastercard
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Build your credit history and get unlimited transactions, no annual fees and no overlimit fees. Plus get a $25 sign up bonus!



FEATURES
  • A physical and digital secured card that doesn't require a hard credit check
  • Guaranteed approval for all Canadians1
  • Earns cashback on everyday spending
  • Average 5% at partners
  • 15% welcome bonus on first purchase at most partners
  • 1% minimum cashback guarantee across all purchases
  • No monthly or annual fees for free Standard rewards plans
  • Track spending with real time notifications and view balance in seconds
  • Cash out your rewards at any time.
  • Credit limit is equal to security funds. Customers can pick a limit they are comfortable with and never worry about going over that limit.
  • Security funds will be fully returned if card is closed and balance is paid off
  • Security funds minimum of only $50

~ Only $5 a month



Get cashback with Shell
  • Earn 2% cashback at the pump or convenience store locations
  • Earn 4% cashback on transactions made through the Shell App
  • Boost these offers by 50% if you’ve subscribed to Neo’s Everyday Essentials perk (boosted to up to 6% cashback!)
Offer is only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.



Everyday cashback
  • Up to 4% on gas and grocery
  • Up to 1% cashback on everything else



Terms and Conditions
Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

¹ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.
Initial Rewards: Build your credit history. Guaranteed approval, unlimited transactions, no annual fees and no overlimit fees. Only $5/month.
On Going Rewards 1st: Up to 4% on gas and grocery
On Going Rewards 2nd: Up to 1% cashback on everything else
GCR Rebate: 25
GCR Rebate
$25 		Initial Rewards
$25 sign up bonus 		Credit Needed
NA
Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.

• Minimum account funding of $50 required.
• Cash Back Rebate is valid for eligible new Neo customers only.
• One Cash Back Rebate per customer for the first Neo product applied for and approved.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.