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REWARD CALCULATOR
Enter your total monthly expenses or by category
⛽️
Gas
🌮
Food & Dining
🧳
Travel
🛍
Shopping
💵
Other
💸
Total
$
Welcome offer
Up to 15% cash back on your first purchase
Get up to 15% cash back on your first purchase at a Neo partner, plus a $25 Welcome Bonus when you apply through Hardbacon.
Earn up to $85 cash back for referring a friend to Neo.
Refer a friend to Neo, and if their application is approved you'll receive a referral bonus of up to $50.
Special features
Credit builder secured credit card with cash back benefits
One of the few secured credit cards that also offers cash back rewards, so you can build your credit rating while earning cash back simultaneously.
No annual fee
The card comes with no annual fee.
Guaranteed approval
Guaranteed approval allows you to get this card regardless of credit history.
No credit check
No hard credit check is required (except in Quebec)