Neo Mastercard^®

Neo Mastercard^® -- 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.
  
  
• Earn up to $680 in annual cashback¹.
  
  
• 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.


Everyday cashback

• Up to 4% on gas and grocery
• Up to 1% cashback on everything else

Terms and Conditions
Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

Apple Pay is a trademark of Apple Inc.
Google Pay is a trademark of Google LLC.

Annual Card Fee:	$0		Credit Score:	640
Extra Card Fee:	N/A		Purchase Interest Rate:	19.99%
Minimum Personal Income:	N/A		Balance Transfer Interest Rate:	N/A
Minimum Household Income:	N/A		Cash Advance Interest Rate:	22.99%

Neo Mastercard^® -- 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.
  
  
• Earn up to $680 in annual cashback¹.
  
  
• 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.


Everyday cashback

• Up to 4% on gas and grocery
• Up to 1% cashback on everything else

Annual Card Fee:	$0		Credit Score:	640
Extra Card Fee:	N/A		Purchase Interest Rate:	19.99%
Minimum Personal Income:	N/A		Balance Transfer Interest Rate:	N/A
Minimum Household Income:	N/A		Cash Advance Interest Rate:	22.99%

Terms and Conditions
Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

Apple Pay is a trademark of Apple Inc.
Google Pay is a trademark of Google LLC.

Part 1: Neo Mastercard® Cash Back Value per Canadian Dollar

• All Redemptions: 1 Cash Back Dollar = $ 1 CAD when redeemed or cashed out. The cash back is earned instantly after each purchase and can be used as statement credit or transferred to your Neo Everyday account.

Part 2: Neo Mastercard® Cash Back Value per 100 Canadian Dollars

• All Redemptions: 100 Cash Back Dollars = $ 100 CAD

Part 3: Summary for Best Value

To get the best value from the Neo Mastercard®:

• Choose the Right Plan: Depending on your cash balance in the Neo Everyday account, you can earn higher cash back rates. For instance, holding $ 10,000 or more might unlock the highest rates.
• Shop at Neo Partners: Use the card at Neo's partnered retailers where you can earn significantly higher cash back rates, often up to 6% or more for first-time purchases or special offers.
• Upgrade to Premium: For an additional fee, the Premium plan offers boosted cash back rates across all categories, potentially increasing your overall rewards.
• Use Perks: Add perks for specific spending categories like travel or dining, which can further enhance the cash back earned in those areas.

Part 4: Neo Mastercard® Cash Back Earned per $ 1000 Spending by Category

• Gas and Groceries (with $ 10,000 in Neo Everyday Account): 40 Cash Back Dollars per $ 1,000 spent (4% cash back).
• All Other Purchases (with $ 10,000 in Neo Everyday Account): 10 Cash Back Dollars per $ 1,000 spent (1% cash back).
• Neo Partner Retailers: Can range from 1% to 15% or more on first-time purchases, with an average of about 5% cash back after that, depending on the partnership deal.

NOTE : The value conversions may not be up to date. Please calculate your own conversion to Canadian dollars to ensure accuracy.