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  • $0 Annual fee
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  • 5% Rewards Rate
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Neo Reward Credit Card Overview

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

The Neo Reward Credit Card 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 6% cashback.

You’ll be looking at zero monthly fees with the Neo standard plan. 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, the Neo Reward Credit Card has perhaps the lowest rates and fees you’ll find. And it’s accessible for most people.

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

Essential Information




Neo Financial

Card Type



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

Welcome Bonus

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


With the Neo Reward Credit Card, 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.

Rewards Plans

The Neo Reward credit card allows you to purchase a reward plan to boost your cashback.

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Standard Rewards Plan

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 card to digital wallets, including Google Pay and Apple Pay.

Costs and Fees

  • Standard plan annual fee: $0
  • Interest rate: 19.99% – 24.99%
  • Cash advance rate: 21.99% – $26.99%
  • Overlimit fee: $0
  • Inactive fee: $0
  • Foreign exchange fee: 2.5%

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FAQs about the
Neo Reward Credit Card

Is the Neo Reward Credit Card Safe to Use?

Yes, it is safe to use the Neo Reward Credit Card. 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 Reward Credit 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 the Neo Reward Credit Card Affect My Credit Score?

Yes, the Neo Reward Credit Card 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 Reward Credit Card?

The Neo Reward Credit 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.

How Much Are My Rewards Worth?

Whether you redeem them for credit or purchases, your rewards are worth $1 per reward point.

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 Reward Credit Card Details

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

Neo Reward Credit Card 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
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Neo Reward Credit Card Card Details
  • Min. Credit :
    Poor (300 - 559)
  • Card Type : Rewards
  • Reward Type : Cashback
  • Providers : Neo Financial
  • Network Provider : Mastercard
Neo Reward Credit Card Social Media
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