Find new ways to reward the ordinary

Make every day exciting with cashback on essentials, bill payments, and guilty pleasures.

Why Neo?

We get it, the words “rewards” and “cashback” have been so overused that even we roll our eyes, that’s why we’re redefining what a card can do for YOU and your community.

Did you know? Neo helps you:

Earn big

Our community of partners offers up to 15% on your first purchase¹

Shop local

Neo has partnered with over 5,000 local businesses so you can shop local and earn

Save more

You can get up to 2% cashback paying bills like utilities and cell phone¹


We’re the local experts. Simply explore our app to find hidden treasures!

Plus, we're:


See how much you've made on each purchase in real-time


No annual or monthly fees



Treat yourself

Recurring Bills

With Neo, you get rewarded for the things you have to do, the things you love to do, and even the things you wish you didn’t have to pay for. Want to see how you could be rewarded with Neo? No commitment needed, just download the app and explore for yourself.

Explore rewards in your city

Calgary | Edmonton | Toronto | Vancouver | Winnipeg

and more...

Don't see your city? Neo's partnered with thousands of partners nationwide to help you earn rewards everywhere. 

Create a profile to explore rewards near you before you apply.

Earn three ways




Cashback at partners

Huge welcome bonuses

Minimum cashback guarantee

Earn an average 5% unlimited cashback at thousands of local and national Neo partners.¹

Earn enormous bonuses—like 15% cashback—on your first purchase at most partners.¹

Earn at least 1% back across all purchases.² If your overall cashback falls below 1%, we’ll top you up.

Earn unlimited cashback at thousands of great names like these - and more

Start earning today

Earning rewards is as easy as1-2-3

Use the app to discover all the businesses that get you cashback

Pay using your Neo Card to score cashback offers

Earn partner cashback instantly and cash out your earnings whenever

"Community" just took a whole new meaning

Shopping locally is rewarding in its own right, but now you can earn an average 5%¹ cashback while doing it. Now that’s a card we can get behind. 

What does community look like to Neo?See Neo in action


Neo is a Canadian tech company that reimagines the way people spend, save, and earn rewards. We’re helping you make the most out of your time and money by building from the ground up using today’s technologies.

You can open an account within minutes, earn instant cashback at your favourite stores, and get real-time notifications when you spend and save, all without monthly or annual fees.

You need to live in Canada, have a Canadian photo ID, and be the age of majority in your province to apply for the Neo Card. A range of credit scores are accepted.

Earn an average of 5%¹ cashback at thousands of local and national Neo partners, including most major gas stations, grocery stores, restaurants, gyms, coffee shops, and more. Simply pay with your Neo Card to earn cashback rewards automatically.

The Purchase Credit Rate / APR on the Neo Card is 19.99%-24.99%**.

The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.

There are no annual or monthly fees. We’re here to give you the most out of your money, so you keep the extra cash and do what you want with it.

With your Neo Card, you earn 5%¹ instant partner cashback when you shop at Neo partners. We are so confident in the value our customers receive from this program that we guarantee you at least 1%² cashback every month. This means that if, for some reason at the end of the month, your instant partner cashback adds up to less than 1%² across all your purchases, we will top your cashback up to 1%².

Have questions or want to chat?

Our friendly support team is on it

Visit the Neo Financial Help Centre for answers to commonly asked questions or contact support 7 days a week from 7:00 am to 8:00 pm MST.

¹ Average based on current offers. Cashback varies per offer and partner. 

² Top-up is limited to $5,000 of spending per month at non-partners. 


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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.

Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

All product and company names are trademarks™️ or registered®️ trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Any product names, logos, brands, and other trademarks or images featured or referred to within the Neo website are the property of their respective trademark holders.

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