Neo Financial Credit Card Offers

Updated on November 7, 2022

Cash Back Cards



Neo Card™ Standard

  
Monthly Fee: $0

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

• Earn enormous bonuses—like 15%¹ cashback—on your first purchase at most partners.
• Earn an average 5%+¹ cashback at thousands of partners
• Sign up in 3 minutes - and if approved, you can use your Neo Card™ 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 Card™ customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Card™. 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™ (Secured)

  
No monthly or annual fees1 for free Standard rewards plans

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

• 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.

Apply Now

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 Card™ customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Card™. 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.

Neo Everyday Essentials Perks
$8.99 per month
Valued at over $170 each year ($30 monthly)1
  • 1.5x more cashback2 at grocery and wholesale stores like Costco and Walmart
  • 1.5x more cashback2 at specialty food and liquor store partners
  • 1.5x more cashback2 at gas station partners
  • Exclusive offers at popular grocery stores and gas station chains like Husky, Chevron, and Irving Oil3
  • Essential life insurance protection4 to cover card balances, paired with 24/7 legal assistance
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 Cashback varies per bundle, offer and partner. Value increase is an average and depends on card use
3 All product and company names, logos, brands, and images are trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
4 Member insurance benefits underwritten by The Wawanesa Life Insurance Company under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the insurance booklet.

Neo Premium Access Perks
$0.99 per month
Valued at over $100 each year ($10 monthly)1
  • Up to 20% cashback2 on first-time purchases
  • Exclusive monthly cashback bonus offers2
  • Priority phone line with customer support
  • Purchase protection with extended warranty3
  • Early feature access (coming soon)
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 Cashback varies per bundle, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice.
3 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 Offers



​Neo Money ™

  
Sign up today and receive a $5 bonus!1

• 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.

Apply Now



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.