Neo Mastercard®
Credit Card

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Up to 5% cashback at Neo partner stores
No annual fee, ever
Instant approval in as little as 3 minutes
Virtual card available immediately after approval
Credit Card
NEO
•••• •••• •••• 1234
VALID THRU 12/28
CARDHOLDER NAME
Credit Card
NEO
•••• •••• •••• 1234
VALID THRU 12/28
CARDHOLDER NAME
Credit Card
NEO
•••• •••• •••• 1234
VALID THRU 12/28
CARDHOLDER NAME

Real Cashback. Every Purchase.

Earn cashback automatically at thousands of Neo partner locations across Canada.

5%
At Neo Partners
Restaurants, retail & more
1%
Everywhere Else
Any Mastercard merchant
15%
Welcome Offer
First month at partners
$0
Annual Fee
Always free, no conditions
SEE HOW TO APPLY →

Why Choose the Neo Mastercard®?

A modern credit card built for Canadians who want real rewards without the complexity.

💳
No Annual Fee
Keep your card year after year with zero annual fee — no minimums, no conditions.
🔒
Total Security
Real-time fraud protection and instant alerts keep your money safe 24/7.
⚡
Instant Approval
Apply in minutes and get a decision in as little as 3 minutes — no branch visit.
🏆
Cashback Rewards
Earn cashback on every purchase, deposited directly to your Neo account.
SEE HOW TO APPLY →

Get Your Neo Card in 4 Steps

The simplest credit card application in Canada — done entirely online.

1
Apply Online
Fill out a quick application — takes about 3 minutes.
2
Get Approved
Receive an instant decision without affecting your credit score.
3
Use Virtual Card
Access your virtual card immediately to start shopping online.
4
Earn Cashback
Your cashback is earned automatically and deposited to your Neo account.
APPLY NOW →

Discover How Much You Could Get with the Neo Card

Use our estimator to get an idea of your potential credit limit.

$ Monthly Income (CAD)
💳 Credit History
📊 Adjust Your Estimate
ConservativeOptimistic
Your Estimated Credit Limit
$0 CAD
Approximate estimate. Final limit subject to Neo Financial's credit approval.
APPLY FOR THE NEO CARD NOW →
This simulator provides an estimate only. The final credit limit is subject to Neo Financial's approval process.

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