Neo Credit

Welcome offer
15% of cash back
26.99% Purchase
28.99% Cash advance
$0 Main cardholer
$0 Additional card


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Net annual rewards the 1st year
This amount is the net value of the rewards that this card will earn in the first year, based on your spending. Our calculation takes into account the welcome offer (if any) and deducts the annual fee (if any).
Net annual rewards in subsequent years
This amount is the annual net value of the rewards this card will earn after the first year, based on your spending. If there is an annual fee associated with this card, it is deducted from the total annual rewards.

Welcome offer

Get up to 15% cash back on your first purchase at a Neo partner, plus a $25 Welcome Bonus when you apply through Hardbacon.

Get 5% and 15% welcome bonuses on first time purchases with Neo partners.

Enjoy multiple "first-time purchase" cash back bonuses.

Earn up to 15% cash back every time you try a participating Neo partner for the first time.

Special features

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.

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.

Guaranteed approval

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




Exclusive discounts with my favorite brands

Enjoy the highest cash back rates in Canada and exclusive offers from Neo's 8,000 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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