Neo Financial credit cards
Make a better decision about Neo Financial credit cards with this quick and easy comparison.
Comparing of 4 Neo Financial credit cards
On website
Neo Mastercard
Balance transfer
N/A
Purchase rate
From 19.99% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Highlights
- Earn an average of 5% cashback at thousands of Neo partner brands across Canada.
- Instant approval with no annual fee and flexible credit limits.
- Get tailored offers and rewards that match your spending habits.
- Track spending, redeem rewards, and manage your account easily with the Neo app.
Pros
Cons
On website
Neo Card™ (Secured)
Balance transfer
N/A
Purchase rate
From 19.99% p.a. ongoing
Interest-free days
N/A
Annual fee
$60.00 p.a. ongoing
Highlights
- Guaranteed approval with no credit check when you provide a refundable security deposit starting from just $50.
- Build or rebuild your credit — Neo reports to both major Canadian credit bureaus.
- Earn cashback at thousands of partners across Canada, including gas stations, grocery stores, and restaurants.
- Manage your account and track your credit activity easily through the Neo mobile app.
Pros
Cons
On website
Neo World Elite Mastercard
Balance transfer
N/A
Purchase rate
From 19.99% p.a. ongoing
Interest-free days
N/A
Annual fee
$125.00 p.a. ongoing
Highlights
- Earn 5% cashback on groceries, 4% on recurring bills, 3% at gas stations or EV chargers, and 1% on everything else.
- Get an extra 5% cashback at Neo’s partner brands — available both online and in-store.
- Access exclusive offers and rewards that adapt to your everyday spending patterns.
- All rewards are automatically applied — no need to track categories or activate promos.
Pros
Cons
On website
Neo World Mastercard
Balance transfer
N/A
Purchase rate
From 19.99% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Highlights
- Earn 2% cashback on groceries, gas, and recurring bills, plus 0.5% on all other everyday spend.
- No annual fee.
- Get instant access after approval by adding the card to your mobile wallet - no waiting for the physical card to arrive.
