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Cash Back Rebate from GCR:
$60.00★
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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%)
| Annual Card Fee: | $0 | | Credit Score: | N/A |
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| Extra Card Fee: | $10 | | Purchase Interest Rate: | 19.99% |
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| Minimum Personal Income: | N/A | | Balance Transfer Interest Rate: | N/A |
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| Minimum Household Income: | N/A | | Cash Advance Interest Rate: | 22.99% |
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* 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.
VALUE CONVERSIONS
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.
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★ 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 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.
Rebate Currency Exchange : NONE
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