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Neo Mastercard®
GCR Rebate
$60		   Initial Rewards
Unlimited transactions, no annual fees		   Credit Needed
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Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
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Canada’s first credit card designed to grow with you.

Start today and get approved instantly. We’ll help you build your credit and borrow better.




FEATURES
  • Guaranteed*, instant approval and access to virtual card to start using immediately
  • Credit limit increases in as little as 3 months*
  • No annual fees, no overlimit fees and unlimited transactions
  • Add one additional cardholder and earn cashback twice as fast
  • Up to 15% back at over 10,000 Neo partners across Canada


Everyday cashback
  • 1% cashback on groceries
  • 1% cashback on gas & EV charging


Insurances/Other:
  • Mastercard Zero Liability


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)


* Terms & conditions apply. See the application for complete details.
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.

* 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 Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• 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.
Secured Neo Mastercard
GCR Rebate
$25		   Initial Rewards
Build or rebuild your credit. No income or credit score requirements.		   Credit Needed
Earns cashback on everyday spending
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Start building with Canada’s first credit card designed to grow with you.

Guaranteed, instant approval whether you’re just starting out, or looking to build or rebuild your credit. Plus get a $25 sign up bonus!




FEATURES
  • A physical and digital secured card that doesn't require a hard credit check
  • No income or credit score requirements
  • Guaranteed, instant approval* with access to your virtual card to start using immediately
  • Earns cashback on everyday spending
  • Up to 15% back at over 10,000 Neo partners across Canada
  • Security funds minimum of only $50

~ $7.99/month



Everyday cashback
  • 1% cashback on gas & groceries


Insurances/Other:
  • Mastercard Zero Liability


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec: Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%)


* Terms & conditions apply. See the application for complete details.
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.

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.

• Minimum account funding of $50 required.

• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• 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.
Neo World Elite® Mastercard
GCR Rebate
$100		   Initial Rewards
Premium benefits with top cashback rates.		   Credit Needed
Get up to 5% cashback on groceries, recurring bills, EV charging and gas.
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The Neo World Elite® Mastercard combines premium benefits with top cashback rates.



FEATURES
  • Instant approvals and access to virtual card to start using straight away
  • Exclusive offers of up to 15% at over 10,000 businesses across Canada
  • Cashback redeemable at anytime
  • Premium insurance coverage


Everyday cashback
  • 5% cashback on groceries*
  • 4% cashback on recurring payments*
  • 3% cashback on gas and EV charging*
  • 1% cashback back on everything else*


Additional Card Benefits:
  • Mastercard Zero Liability
  • Extended Warranty
  • Purchase Protection
  • Auto Rental Collision Loss Damage
  • Rental Card Theft, Damage, Accident, Personal Effects
  • Out of Province & Country Emergency Medical
  • Trip Interruption & Cancellation
  • Flight & Baggage Delay
  • Hotel & Motel Burglary
  • World Mastercard Benefits including discounting with participating partners and DragonPass


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)


* Terms & conditions apply. See the application for complete details.
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.

* 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 Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must notify GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.
Neo World Mastercard®
GCR Rebate
$50		   Initial Rewards
Elevate your everyday spending with the best no annual-fee annual-fee cashback card in Canada		   Credit Needed
2% cashback on groceries, recurring bills and gas plus no annual fee.
Select
The Neo World Mastercard® is designed to elevate your everyday spending with the best no annual-fee cashback card in Canada*



FEATURES
  • Instant approvals and access to your virtual card immediately
  • Up to 15% back at over 10,000 Neo partners across Canada
  • No annual fee


Everyday cashback
  • 2% cashback on groceries*
  • 2% cashback on recurring payments*
  • 2% cashback on gas and EV charging*
  • 0.5% cashback back on everything else*


Additional Card Benefits
  • Unlimited cashback
  • Mastercard Zero Liability
  • Extended warranty
  • Purchase protection
  • World Mastercard Benefits including discounting with participating partners and DragonPass airport lounge access


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)


* Terms & conditions apply. See the application for complete details.
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.

* 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 Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must notify GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.