Neo Credit

Neo Credit -- a no annual fee card with instant, unlimited cashback and your choice of upgradable perks.



FEATURES

• Earn an average 5%+¹ cashback at thousands of partners.
  
  
• No annual fees, no overlimit fees and unlimited transactions.
  
  
• Upgradeable perks across dining, gas and grocery, travel, and more
  
  
• Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
  
  
• View the rewards offered near you by downloading the Neo app, and cash out your rewards 24/7 - no minimum thresholds.

Get cashback with Shell

• Earn 2% cashback at the pump or convenience store locations
• Earn 4% cashback on transactions made through the Shell App
• Boost these offers by 50% if you’ve subscribed to Neo’s Everyday Essentials perk (boosted to up to 6% cashback!)

Offer only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.



Upgrade to Premium

Upgrade to Premium for only $4.99/month and get the first 3 months free.
Plus get more cashback + exclusive perks and features.


Higher everyday cashback

• 3% on gas and grocery⁴
• 0.5% cashback on everything else⁶

Boosted exclusive cashback offers at Neo partners⁶

• 6% average cashback at restaurants, bars and cafes
• 4% on popular streaming services
• 4% on ride sharing services
• 4% on food delivery services
• 3%+ at retail partners (online and in-store)

All Base features and benefits, plus:

• Credit score monitoring directly in the Neo app
• $2,500 group life insurance⁷
• 24/7 legal assistance⁷
• Purchase protection with extended warranty⁸
• Dedicated priority support

Annual Card Fee:	$0		Credit Score:	N/A
Extra Card Fee:	N/A		Purchase APR:	19.99%
Minimum Personal Income:	N/A		Balance Transfer APR:	N/A
Minimum Household Income:	N/A		Cash Advance APR:	22.99%

Terms and Conditions
Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

¹Average based on current offers. Cashback varies per offer and partner.
²Top-up is limited to $5,000 of spending per month at non-partners.
³Value increase is an average and depends on card use.
Apple Pay is a trademark of Apple Inc.
Google Pay is a trademark of Google LLC.

Neo Credit -- a no annual fee card with instant, unlimited cashback and your choice of upgradable perks.

FEATURES

• Earn an average 5%+¹ cashback at thousands of partners.
  
  
• No annual fees, no overlimit fees and unlimited transactions.
  
  
• Upgradeable perks across dining, gas and grocery, travel, and more
  
  
• Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
  
  
• View the rewards offered near you by downloading the Neo app, and cash out your rewards 24/7 - no minimum thresholds.

Get cashback with Shell

• Earn 2% cashback at the pump or convenience store locations
• Earn 4% cashback on transactions made through the Shell App
• Boost these offers by 50% if you’ve subscribed to Neo’s Everyday Essentials perk (boosted to up to 6% cashback!)

Offer only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.



Upgrade to Premium

Upgrade to Premium for only $4.99/month and get the first 3 months free.
Plus get more cashback + exclusive perks and features.


Higher everyday cashback

• 3% on gas and grocery⁴
• 0.5% cashback on everything else⁶

Boosted exclusive cashback offers at Neo partners⁶

• 6% average cashback at restaurants, bars and cafes
• 4% on popular streaming services
• 4% on ride sharing services
• 4% on food delivery services
• 3%+ at retail partners (online and in-store)

All Base features and benefits, plus:

• Credit score monitoring directly in the Neo app
• $2,500 group life insurance⁷
• 24/7 legal assistance⁷
• Purchase protection with extended warranty⁸
• Dedicated priority support

Annual Card Fee:	$0		Credit Score:	N/A
Extra Card Fee:	N/A		Purchase APR:	19.99%
Minimum Personal Income:	N/A		Balance Transfer APR:	N/A
Minimum Household Income:	N/A		Cash Advance APR:	22.99%

Terms and Conditions
Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

¹Average based on current offers. Cashback varies per offer and partner.
²Top-up is limited to $5,000 of spending per month at non-partners.
³Value increase is an average and depends on card use.
Apple Pay is a trademark of Apple Inc.
Google Pay is a trademark of Google LLC.

Note : Click to application page from GCR before filling application

^★ PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE:

* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo



• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.