pencil icon Write a review
No Reviews
  • $0 Annual fee
  • $0 Welcome Bonus
  • 5% Rewards Rate
tag icon

Join Neo, the rewarding community that makes you richer - Claim this offer

Neo Reward Credit Card Overview

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. For the top-tier Ultra plan, you can increase partner offers and bonuses by 1.5x compared to the standard plan.

Neo Finance Card Mar 13 Comparewise - Comparewise

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 1% back for all other purchases. Neo will add to your cashback if the total amount falls below 1%.

Rewards Plans

The Neo Reward credit card allows you to purchase a reward plan to boost your cashback. Current available plans include standard, plus, and ultra. You can switch between plans at any time. Also, you won’t be locked into an annual fee.

Neo Financial Review 5 - Comparewise
Standard Rewards Plan

This plan is free for all Neo customers. You will earn an average of 4% cashback at Neo partners. Also, there’s a 1% minimum cashback guarantee.

Plus Rewards Plan

For $2.99 per month, you can increase the value of partner offers and bonuses by 1.25x. You’ll earn an average of 5% cashback at Neo partners. This plan has a 1% minimum cashback guarantee as well.

Ultra Rewards Plan

With this plan, you’ll earn an average of 6% cashback at Neo partners. You get 1.5x the value for partner offers and bonuses. Also, you’ll get a 1% minimum cashback guarantee. It costs $8.99 per month.

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
  • Plus plan annual fee: $36
  • Ultra plan annual fee: $108
  • Interest rate: 19.99% – 24.99%
  • Cash advance rate: 21.99% – $26.99%
  • Overlimit fee: $0
  • Inactive fee: $0
  • Foreign exchange fee: 2.5%

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.

Neo Reward Credit Card Details

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
Review widget

Add the badge below to show your rating on your website. Embed the review widget by simple copying the code below.


No reviews submitted yet. Have you used this brand in the past? Be the first to review!

Submit Review

Thank you for your valuable input!

  • Bonuses
  • Rewards
  • Knowledge
  • Usability
wealthy simple free stock ad banner
Neo Reward Credit Card Card Details
  • Min. Credit :
    Poor (300 - 559)
  • Card Type : Rewards
  • Reward Type : Cashback
  • Providers : Neo
  • Network Provider : Mastercard
Neo Reward Credit Card Social Media
Neo Reward Credit Card Reviews
0 average based on no 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 ...

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...

Making purchases in US...

Car loan?
Personal Loan?

Top deals await you just a short
application away!