Neo
Neo Mastercard
Welcome Bonus
Earn up to $200 in cashback
cashback groceries gas no-fee no-fx-fee
Annual Fee
No annual fee
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Quick Stats
Annual Fee
$0
Purchase APR
19.99%
FX Fee
0%
Card Type
mastercard
Rewards & Earning Rates
| Spending Category | Earn Rate |
|---|---|
| Groceries | 5% cash back |
| Gas | 5% cash back |
| Transit & EV Charging | 5% cash back |
| All other purchases | 0.5% cash back |
Welcome Bonus Details
Get $25 welcome bonus plus up to $175 in cashback on everyday purchases in your first 3 months.
Fees & Interest Rates
| Annual Fee | $0.00 |
| Additional Card Fee | $0.00 |
| Purchase Interest Rate | 19.99% |
| Cash Advance Interest Rate | 22.99% |
| Foreign Transaction Fee | 0% |
Pros & Cons
Pros
- No annual fee
- No foreign transaction fees
- 5% cashback on groceries, gas, and transit
- Easy mobile app
- No minimum income requirement
Cons
- Lower earn rate on non-bonus categories (0.5%)
- Limited insurance coverage
- Newer financial institution
Eligibility Requirements
Available to Canadian residents 18+ with good credit
Recommended Credit Score: 660+
Categories
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