- Available Canada wide (including Quebec)
- No fees rewards credit card: one of the most rewarding credit cards in Canada
- Cash out 24/7 - There are no minimum thresholds. Cashback rewards balance can be found in the app and can be cashed out in one tap.
- Customers can get rewarded on everyday purchases with cashback or points.
- Browse rewards in the app before applying. Customers can download the app to see offers nearby
- In addition to the physical card, users can add the card to Apple Pay or Google Pay™ to make contactless payments with a smartphone
- Issued by ATB Financial pursuant to license by Mastercard International Inc.
4.5 / 5.0 (35 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
19.99% to 26.99%*
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Build Credit
Every Day Purchases
Instant Decision
Sign-Up Bonus
Virtual Card
Reward Card
Credit Needed:
Grace Period:
21 days*
Min Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

Other Fees

Additional Fees
- FX Fee: 2.5%
- Purchase: 19.99%-26.99%
- Cash Advance: 22.99%-28.99%
For QC
- Purchase: 19.99%-24.99%
- Cash Advance: 22.99%-25.99%

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

Neo Card (Credit) is a powerful cashback credit card that offers impressive rewards and benefits to users. With an average cashback of 5% on thousands of partner brands and retailers, including food, travel, and entertainment, the card offers users the flexibility to use their cashback rewards as they see fit. The card has no annual fees and is trusted by over one million Canadians. Additional benefits include real-time spend insights, customizable rewards, and automatic payments, making it a versatile and convenient option for everyday use. Overall, Neo Card (Credit) offers users an exceptional combination of rewards, flexibility, and convenience.


Most attractive:
- High cashback rewards
- No annual fees
- Real-time spend insights
- Customizable rewards
- Trusted by over 1 million Canadians
Least attractive:
- Not a great option for those with poor credit scores
- High cash advance fees
- Foreign transaction fees may apply

Rewards & Benefits

Reward Types:
CashBack Rewards
Other Rewards
Universal Rewards
Reward Unit:
- 15% welcome bonus cash back on your first purchase at some Neo partners
- 5% cash back at Neo partners
- 1% on everything else
Yearly Limit:
Online Access:
Credit Reporting:

*The information provided for Neo Card™ is believed to be accurate at the time of evaluation (Jul 19, 2023). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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