Neo Financial Rewards Mastercard
An average 5% unlimited cashback with Neo Card partners. 15% cashback welcome bonus.
Updated: May 18, 2022
The Neo Mastercard issued by ATB Financial is one of the best ways to save, spend and earn in Canada. The Neo rewards credit card is called one of the highest cashback credit cards for a reason - you can expect an average 5%+ unlimited cashback on your spendings. The Neo credit card also has no annual fee, no inactivity fee, and no over the limit fee. However, it does have an international transaction fee which is capped at 2.5%. The application process is very fast and smooth.
ANNUAL FEE
$0
ONGOING APR
19.99% - 24.99% Variable
INTRO APR
N/A

at Neo Card's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Fair
Key Features
- No annual fee
- Up to 15% welcome bonuses
- Unlimited up to 5% cash back at partners
- 1% guaranteed, unlimited cashback on everything else
- 3 rewards plans - 1 free, 2 paid
- Instant freeze/ unfreeze
- Mastercard Zero Fraud Liability
Our Take
The best known Neo Financial product is the Neo Card. It is the rewards Mastercard from ATB Financial. Neo rewards credit card offers unlimited 5% cashback at Neo partners and has a 1% guaranteed reward for any dollar spent. It comes with no inactivity and no annual fees and has full Mastercard benefits including Zero Liability protection from unauthorized purchases. Neo also offers a CDIC backed up Neo savings account that has a very high APY, too.
Membership Plans and Fees
Standard | Ultra | Plus | |
---|---|---|---|
Monthly Pricing | FREE for All | $8.99/month | $2.99/month |
Guaranteed Rewards | 1% Cashback | 1% Cashback | 1% Cashback |
Avg Cash Back | 4% at Neo Partners | 6% at Neo Partners | 5% at Neo Partners |
Bonus Increase | None | bonuses increase in value by 1.5X | bonuses increase in value by 1.25X |
Regular APR | 19.99% – 24.99% | 19.99% – 24.99% | 19.99% – 24.99% |
Annual Fee | $0 | $0 | $0 |
Inactivity fee | $0 | $0 | $0 |
Recommended | if you spend less than $750/month | if you spend more than $1000/month | if you spend more than $750/month |
Contract Locked | No | No | No |
How to Earn Neo Rewards in 3 Steps
- Discover ways to earn. Download the Neo rewards app, explore partners and available rewards.
- Use the Neo Card. Use your new Neo Mastercard and average 5%+¹ cashback in a heartbeat.
- Earn cashback. Earn rewards and cash out your accumulated earnings anytime – 24/7.
Neo Financial Rewards in Numbers
- 1% Guaranteed – every dollar you spend using Neo card will get you guaranteed 1% cashback
- 5%+ With Partners – you can earn average 5%+ unlimited cashback and more cashback at over 1,000 selected Neo Financial partners
- 15% Wecome Bonus – huge welcome bonus on your first purchase at most partners.
Issuer: | Other Issuers |
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Network: | Mastercard |
Category: | Consumer (Secured) |
Best Used For: |
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Rewards: | Yes |
Reward Types: |
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Reward Units: | Cash |
Regular APR: | 19.99% - 24.99% |
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Regular APR Type: | Variable |
Annual Fee: | $0 |
Balance Transfer: | No |
APR on Cash Advances: | 26.99% |
Grace Period: | up to 21 days |
Other Fees: |
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Neo Financial Rewards Mastercard Alternatives
![]() Neo Financial Rewards Mastercard |
APPLY NOW |
Annual Fee $0 |
Regular APR 24.99% |
Intro APR N/A |
Min. Credit Level Fair |
Neo Financial Rewards Mastercard
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