Neo Mastercard®
Credit Card
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
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
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.
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.
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
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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.