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Neo Financial Credit Card Offers

Updated on November 14, 2023

Cash Back Cards


Neo Card™ Standard

Neo Credit

Limited time offer: $25 welcome bonus2 when you apply and are approved for a Neo Credit card

Annual Fee $0



Terms & Conditions apply




  • Earn enormous bonuses—like 15%¹ cashback—on your first purchase at most partners.
  • Earn 1% on gas and grocery
  • 0.5% monthly minimum cashback

    Exclusive cashback offers at Neo partners

    • 5% average cashback at restaurants, bars and cafes
    • 3% on popular streaming services
    • 3% on ride sharing services
    • 3% on food delivery services
    • 2%+ at retail partners (online and in-store)

  • Sign up in 3 minutes - and if approved, you can use your Neo Credit instantly via Apple Play or Google Pay
  • Neo helps support local and rewards customers doing it – users can earn cashback from brands such as Netflix, Spotify, DoorDash, Second Cup, Hudson’s Bay Company, and many more.


1 Average based on current offers at select partners. Cashback varies per plan, offer and partner.
2 Limited-time offer. Only new Neo Credit customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Credit. Customer has 90 days to complete the card application process. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice
* Card issued by ATB Financial pursuant to license by Mastercard International Inc.
Mastercard® is a registered trademark, and the circle design is a trademark of Mastercard International Inc.


Neo Card™ Standard

Neo Credit (Premium Option)

Limited time offer: $25 welcome bonus2 + Get the first 3 months free when you apply and are approved for a Neo Credit card

Monthly Fee $4.99



Terms & Conditions apply




  • Earn enormous bonuses—like 15%¹ cashback—on your first purchase at most partners.
  • Earn 3% on gas and grocery
  • 0.5% monthly minimum cashback

    Boosted exclusive cashback offers at Neo partners

    • 6% average cashback at restaurants, bars and cafes
    • 4% on popular streaming services
    • 4% on ride sharing services
    • 4% on food delivery services
    • 3%+ at retail partners (online and in-store)

  • Credit score monitoring directly in the Neo app
  • $2,500 group life insurance
  • 24/7 legal assistance
  • Purchase protection with extended warranty
  • Dedicated priority support
  • Sign up in 3 minutes - and if approved, you can use your Neo Credit instantly via Apple Play or Google Pay
  • Neo helps support local and rewards customers doing it – users can earn cashback from brands such as Netflix, Spotify, DoorDash, Second Cup, Hudson’s Bay Company, and many more.


1 Average based on current offers at select partners. Cashback varies per plan, offer and partner.
2 Limited-time offer. Only new Neo Credit customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Credit. Customer has 90 days to complete the card application process. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice
* Card issued by ATB Financial pursuant to license by Mastercard International Inc.
Mastercard® is a registered trademark, and the circle design is a trademark of Mastercard International Inc.


Neo Card™ Standard

Neo Secured Credit

Limited time offer: $25 welcome bonus2 when you apply and are approved for a Neo Secured Credit card

No monthly or annual fees1 for free Standard rewards plans



Terms & Conditions apply




  • Get an average 5% unlimited cashback3 at thousands of Neo partners, plus earn enormous bonuses - like 15% cashback3 on your first purchase at most partners.
  • Guaranteed approval4 card that earns you cashback
  • Add Security Funds to match your credit limit. Change your limit any time and use your deposit to pay off your bill if you ever need to. .


1 For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-26.99%) and cash advance rate (21.99%-25.24%).
2 Limited-time offer. Only new Neo Secured Credit customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Secured Credit. Customer has 90 days to complete the card application process. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice
3 Average based on current offers at select partners. Cashback varies per plan, offer and partner
4 Conditions apply.

Add on bundles

 Add on Perks for the above cards


Neo Travel Perks
$4.99 per month
Valued at over $360 each year ($40 monthly)1
  • 2% cashback on all foreign transactions
  • Priority Pass2 airport lounge access at over 1,300 locations worldwide
  • Free lounge access from SmartDelay2 if your flight is delayed by more than an hour.
  • 1.5x cashback boost3 at all airline, hotel, and car rental travel partners
  • Comprehensive travel insurance coverage4 from Chubb including emergency travel medical, trip cancellation, car rental protection, and more
Learn more about this bundle here

1 Minimum value indicated is based on research comparing estimated annual spend by Neo Cardholders, as collated by Neo on October 25, 2022. Estimated minimum value varies per bundle, offer and partner and is subject to change without notice.
2 Priority Pass and SmartDelay are airport lounge access programs offered by Collinson Group. Terms and conditions are available during sign-up."
3 Cashback varies per bundle, offer and partner. Value increase is an average and depends on card use.
4 Insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to your Neo Card™. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage.




Bank Account & Mortgage Offers


Neo High Interest Savings

Neo High Interest Savings Account

Earn 4.00% interest1

 



Terms & Conditions apply




  • Earn 4.00% high interest everyday, on every dollar
  • No monthly fees and no minimum deposit required to start and continue, to earn high interest
  • Personalized savings goals keep you organized and on-track
  • Track your goals in real-time and watch your money grow
  • Safe and secure with eligibility for CDIC deposit protection up to $100,000 across all your accounts


¹ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

² The Neo High-Interest Savings account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC's website cdic.ca.


Neo Money™

Neo Money ™

Sign up today and receive a $5 bonus!1

 



Terms & Conditions apply




  • No fees, 2.25%2 interest rate as of August 10, 2022 (not a promotional rate; Savings interest rate is calculated daily on the closing balance and paid monthly)
  • Earn up to 225x3 more than at traditional banks (0.05% is the rate at most banks for high interest savings accounts, with 0% on most daily everyday chequing accounts - unlimited transaction accounts are typically $29.99 per month, whereas Neo is free)
  • Make bill payments, send and receive Interac e-Transfers®, and make bank to bank transfers to and from existing bank account - all with no monthly fees or minimum balances and unlimited free transactions
  • Manage everything from the phone app, whenever and wherever. Desktop/web banking is also available
  • ​ Much like any bank account at a traditional bank, the Neo Savings account is eligible for CDIC deposit protection, and provided by Concentra Bank, a CDIC member institution. 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.


Neo Money™ is provided by Concentra Bank.
® Trademark of Interac Inc. Used under license.
1 Limited-time offer. Only new Neo Money™ customers are eligible for this offer. This offer is only awarded if a new customer opens a Neo Money™ Account and deposits a minimum of $50 within the next 90 days. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice.
2 Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
3 Based on research comparing high-interest savings rate of Canada’s ‘Big 5’ banks using a $100 investment, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at August 10, 2022.


Neo Mortgage

Neo Mortgage

Mortgages made simple and secure, right from your phone.



Terms & Conditions apply




  • Competitive rates - Your money has better things to do than pay interest. Get your best rate with Neo Mortgage—saving you more in the long run.
  • Quick application - Skip the paperwork. With Neo in your pocket, you can apply online and get pre-qualified in minutes from wherever you are.
  • Advice that feels close to home. Our team of expert Mortgage Advisors is here to support you every step of the way.


Neo Money™ is provided by Concentra Bank.
® Trademark of Interac Inc. Used under license.
1 Limited-time offer. Only new Neo Money™ customers are eligible for this offer. This offer is only awarded if a new customer opens a Neo Money™ Account and deposits a minimum of $50 within the next 90 days. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice.
2 Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
3 Based on research comparing high-interest savings rate of Canada’s ‘Big 5’ banks using a $100 investment, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at August 10, 2022.

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