Rewards

Neo Mastercard

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Minimum Annual Income
Required Credit Score 600
Canadian Residency Yes

Neo Mastercard

Get a bonus of $25 when you sign up

Start building with Canada’s first credit card designed to grow with you. Receive guaranteed, instant approval, guided credit building tools, and 1% cashback on gas & groceries.

$217 First Year Value
$192 Consecutive Years Value
Annual Fees $0
Additional cards $10
Interest Rates
19.99% on purchase
QC: Between 19.99%-24.99%
22.99% on cash advance
QC: Between 22.99%-25.99%
22.99% on balance transfer
QC: Between 22.99%-25.99%
Neo Mastercard - Neo Financial

Estimated rewards for the first year*

Total Reward: $217
Entertainment: $12
Gas: $60
Groceries: $60
Restaurants: $60
Other: $0
Additional Bonus: $25
Annual Fee: $0
Total: $217
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Neo Mastercard - Neo Financial

Estimated rewards for subsequent years*

Total Reward: $192
Entertainment: $12
Gas: $60
Groceries: $60
Restaurants: $60
Other: $0
Annual Fee: $0
Total: $192
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.

Reward Calculator

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Net Annual rewards the fisrt year

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Net Annual rewards the subsequent years

Special Features

01

A powerful cash back card for every lifestyle and budget.

This is one of the best cash back cards on the market today. This card offers great cash back rates so you can earn rewards on the purchases that matter most to you.

02

No annual fee

Avoid additional fees with the free rewards plan that does not include perks like insurance or purchase protection. You can add a rewards plan monthly subscription to access travel insurance, and other perks.

03

Guaranteed approval

With guaranteed approval, you do not need a credit check for this card.

Card Benefits

Exclusive discounts with my favourite brands

Enjoy the highest cash back rates in Canada and exclusive offers from Neo's 10,000 partners. Popular merchants include Amazon, Boston Pizza, Anytime Fitness, Roots, PetSmart, and more including hidden gems near you.

Worldwide customer service

The Neo Cashback Rewards Mastercard comes with 24/7 support, so you can always get the help you need when you need it.

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