tag icon

Join Neo and get $30 in sign up bonuses - Claim this offer

pencil icon Write a review
2 Reviews
  • $0 Annual Fee
  • $30 Welcome Bonus
  • 5% Rewards Rate
tag icon

Join Neo and get $30 in sign up bonuses - Claim this offer

Neo Credit Overview

Editorial Note: Comparewise is supported by our readers. When you find products and services through links on our site, we may earn commission.

**Limited Time Offer: Sign up for Neo Credit or Neo Secured Credit using this link to receive an exclusive $25 welcome offer**

Plus, get a $5 sign up bonus when you get a Neo Money account, that’s a total of $30 in bonuses!

Neo Credit is perfect for anyone who wants to get more rewards from their spending. It has high-earning reward plans to maximize your spending, allowing you to earn up to 15% cashback.

You’ll be looking at zero monthly fees with the Neo Bundles. This is one of the best deals available on a credit card in Canada.

Not only will you save big with the zero monthly fees, but you’ll also receive a 15% cashback sign-up offer. The welcome bonus is a hefty bounty compared to other reward cards.

Besides this bonus, Neo Credit has perhaps the lowest rates and fees you’ll find. And it’s accessible for most people.

neo financial canada - comparewise

Although it isn’t the most feature-rich card on the market, Neo Credit focuses on affordability. Neo Financial has over 5,000 local business partners, which give their cards the hallmark of earning great rewards.

Neo are now able to offer up to $10,000 in credit limit, instantly for Neo Credit. Please apply this update to any copy where necessary on Neo listings and, if applicable, expand the scope of availability based on this update.

Essential Information




Neo Financial

Card Type



With Neo Credit, you’ll receive a welcome bonus and cashback on everyday purchases.

Welcome Bonus

As a new Neo Credit account holder, you earn up to 15% cashback for first-time purchases at most participating stores.


With Neo Credit, you will earn up to 5% cashback at local and national Neo partners. Also, you will get 15% welcome bonuses on first time purchases with Neo partners.

Plus you earn 2% cashback at the pump or in the store at Shell gas stations and 4% through the Shell app in Alberta, BC, Manitoba, Ontario, and Saskatchewan.

Rewards Plans

Neo Credit allows you to purchase a reward plan to boost your cashback.

neo financial mastercard - comparewise

Neo Bundles

This plan is free for all Neo customers. You will earn an average of 4% cashback at Neo partners.

Key Perks

  • Zero monthly fees, over-limit fees, and inactive fees.
  • Fraud liability protection alerts you when there’s suspicious or irregular activity on your card.
  • Option to freeze your card through the Neo app if you notice any fraudulent activities.
  • Ability to link your Neo Secured Credit to digital wallets, including Google Pay and Apple Pay.

Costs and Fees

  • Neo Bundles annual fee: $0
  • Interest rate: 19.99%-26.99%
  • Cash advance rate: 22.99%-28.99%
  • Overlimit fee: $0
  • Inactive fee: $0
  • Foreign exchange fee: 2.5%

*For Quebec residents, please follow the purchase rate and cash advance below:

  • Purchase Rate: 19.99%-24.99%
  • Cash Advance: 22.99%-25.99%

You might also like…

FAQs about
Neo Credit

Is Neo Credit Safe to Use?

Yes, it is safe to use Neo Credit. It operates on the Mastercard network. And it’s held under the same regulations as any other Canadian credit card. Some of the most well-accomplished tech entrepreneurs in the world back Neo Financial, the card provider.

What Are the Eligibility Requirements for the Neo Card?

To qualify for the card, you must be a Canadian resident and the age of majority in your province. You also need a credit score of 650 or more.

Does Neo Credit Affect My Credit Score?

Yes, Neo Credit can affect your credit score. Since applying for Neo Reward Credit Card counts as a new credit application, this can affect your credit score. Also, your payment history will reflect on your credit report. Therefore, pay what you owe on time, or your credit score may drop.

What Are the Cashback Categories for the Neo Card?

The Neo Card partners operate in different categories, including online shopping, groceries, and gas. You’ll also earn 5% on transportation.

Who Are Some of Neo’s Partners?

Some of Neo’s partners include Netflix, DoorDash, and Spotify. Neo Financial is constantly partnering with new companies to add more rewards and spending opportunities for you.

What Is the Cashback Amount and How Do the Rewards Work?

You can earn up to 15% cashback on your first purchase from Neo’s partners. Afterward, you can earn an average of 5% cashback when shopping at participating stores locally and nationwide. Simply make a purchase using your Neo Card to earn cashback rewards automatically.

General Terms

¹Average based on current offers. Cashback varies per offer and partner. ²Top-up is limited to $5,000 of spending per month at non-partners. 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. Card 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.

Neo Credit Details

Neo Financial
Network Provider
Card Type
Rewards Type
Annual Fee
Purchase Interest Rate
Cash Advance Rate
Credit Needed
Poor (300 - 559)

Neo Credit Offices

Phone Number
1 (855) 636-2265
7 days a week from 7:00 am to 8:00 pm MT
800 W Pender St Vancouver BC V6C 2V6 Canada
Review widget

Add the badge below to show your rating on your website in 3 simple steps:

  1. Choose the badge that you like
  2. Copy the widget HTML code
  3. Paste the HTML code on your website

Most of our partners add the badge to the header or footer of their website and email signature for:

  • social proof to build credibility with new and existing customers
  • boost conversions throughout the entire marketing funnel
  • stand out on Google search with user generated content


November 8, 2022

I received service and help from Sadi today and she was fantastic. Reassuring, clear, sympathetic and made me feel confident that what I needed would get actioned. She even did the work right then and there and I was able to see the necessary changes real-time which meant no disruptions would occur for my linked services. Would love to get her again the next time I call Neo, although all the customer service reps have been polite, responsive and eager to do a great job with me as a client.

November 8, 2022

I literally asked the team member I was talking with where I could post a review because I've been so impressed with the service. I got this credit card a week ago and got scammed in that time (so embarrassing I know) and the Neo team has been so so so reassuring and helpful. I cannot recommend a credit card more, and I'm a lefty voter who hates everything to do with money and credit scores. But these guys hire good humans and seem to be treating them well so if you have to get a credit card go ahead and get this one.

Submit Review

Thank you for your valuable input!

  • Bonuses
  • Rewards
  • Knowledge
  • Usability
moomoo ad banner
Neo Credit Card Details
  • Min. Credit :
    Poor (300 - 559)
  • Card Type : Rewards
  • Reward Type : Cashback
  • Providers : Neo Financial
  • Network Provider : Mastercard
Neo Credit Social Media
Neo Credit Reviews
5.0 average based on 2 reviews
  • Bonuses
  • Rewards
  • Service
  • Usability

Grow your finances today.

By submitting, you agree to comparewise’s terms of use and privacy policy.

Browse credit cards by Type

High-interest charges ...

Business credit cards ...

Check out the top crypto cards offered by crypto p...

Credit cards are conve...

Most credit cards comb...

Having a credit card c...

With the credit card i...

If you have poor or no...

Getting your first cre...

Car loan?
Personal Loan?

Top deals await you just a short
application away!