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Compare Neo Financial Credit Cards

Take advantage of great Neo Financial credit card offers today.

Today's top Neo credit cards Dec 18, 2024

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$240
- Annual fee
$0
Total first year value
$240
Neo Mastercard

card image
Welcome bonus
$0
Cashback
Annual rewards
$240
Cashback
Annual fees:
$0
Interest rates:
19.99% on purchases • 22.99% on cash advances
Earn instant, unlimited cashback at over 10,000 partners
No annual fee card with the ability to upgrade with perks to maximize rewards value
Details at a glance Collapse details
Neo Mastercard
card image
Welcome bonus
$0
Annual rewards
$240
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$240
- Annual fee
$0
Total first year value
$240
Annual fees:
$0
Interest rates:
19.99% on purchases
22.99 on cash advances
Earn instant, unlimited cashback at over 10,000 partners
No annual fee card with the ability to upgrade with perks to maximize rewards value
Details at a glance Collapse details
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$240
- Annual fee
$60
Total first year value
$180
Neo Secured Mastercard

card image
Welcome bonus
$0
Cashback
Annual rewards
$240
Cashback
Annual fees:
$60
Interest rates:
19.99% on purchases • 22.99% on cash advances
2024 Winner – Best Secured Credit Card
A no annual fee secured card with low to no credit score required
Details at a glance Collapse details
Neo Secured Mastercard
card image
Welcome bonus
$0
Annual rewards
$240
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$240
- Annual fee
$60
Total first year value
$180
Annual fees:
$60
Interest rates:
19.99% on purchases
22.99 on cash advances
2024 Winner – Best Secured Credit Card
A no annual fee secured card with low to no credit score required
Details at a glance Collapse details

Jump straight to:

Neo Financial credit cards

Founded in 2019 by Andrew Chau, Jeff Adamson and Kris Read, Neo Financial Technologies Inc. is a financial technology company, with headquarters in Calgary, Alberta. It offers digital banking services and credit cards, with personalized rewards based on individual spending habits. According to Neo Financial’s CEO, Andrew Chau, the company “was built on the premise that Canadians have been underserved in their finances for far too long.”

It has two distinct credit offerings:

  • Neo Credit. With this offering, you can earn unlimited cash back via Neo’s multiple partners, save on gas and groceries and customize your rewards at any time, without annual fees.
  • Neo Secured Credit. This offering allows you to start with as little as $50 in security funds, bypassing hard credit check. In addition, it comes with guaranteed approval, smart financial tools, customizable rewards and flexible credit limits.

Neo Financial rewards

Neo Financial allows you to customize your rewards with perks, so you can control your rewards experience across a variety of activities – from travel to eating out – which you can unlock via their app for a small fee.

  • Travel. If you like to travel, you can get worldwide lounge access, 2% cashback on foreign transactions and other perks.
  • Fitness. You can get boosted cashback at Neo fitness partners, along with a free subscription to classes, meal plans and so on.
  • Food. You can dine with a 1.25x cashback boost at Neo’s select dining and food delivery partners.
  • Mobile protection. Protect your mobile device from damage and theft, easily manage your passwords and gain coverage for fraud and ransomware.

Neo Financial partners

As one of the first portfolio companies under Harvest, a venture builder started by SkipTheDishes co-founder, Chris Simair, Neo is partnered with thousands of merchants across Canada, which allows it to provide customers with instant rewards that are tracked within its app. In addition, these rewards are based on customers’ individual spending habits.

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