Neo Financial Rewards Mastercard

An average 5% unlimited cashback with Neo Card partners. 15% cashback welcome bonus.

Updated: Aug 28, 2022

Advertiser Disclosure

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.




19.99% - 24.99% Variable



14 User Ratings

Neo Financial Rewards Mastercard

at Neo Card's Secured website

Apply Now

Introductory APR


Intro APR Period


Recommended Credit


Key Features

  • LIMITED TIME: Sign up now and receive a $25 welcome offer!
  • 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 sleek, silver Neo Card that allows users to make purchases and withdrawals anywhere in the world. It is the rewards Mastercard from ATB Financial. With the Neo rewards credit card, you’ll enjoy unlimited 5 cashback at all Neo partners, as well as a 1 guaranteed reward point for any other 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.

How to Earn Neo Rewards in 3 Steps

  1. Discover ways to earn. Download the Neo rewards app, explore partners, and available rewards.
  2. Use the Neo Card. Use your new Neo Mastercard and average 5%+¹ cashback in a heartbeat.
  3. 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 a guaranteed 1% cashback
  • 5%+ With Partners – you can earn an average 5%+ unlimited cashback and more cashback at over 1,000 selected Neo Financial partners
  • 15% Welcome Bonus – huge welcome bonus on your first purchase at most partners.

NEO Financial Mastercard Alternatives

Apply Now
Basic Information
Issuer: ATB Financial
Network: Mastercard
Category: Consumer (Secured)
Best Used For:
  • Instant Decision
  • Every Day Purchases
  • EMV Chip
  • Sign-Up Bonus
  • New to Credit
  • Build Credit
Rewards: Yes
Reward Types:
  • CashBack Rewards
  • Universal Rewards
  • Other Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 19.99% - 24.99%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: No
APR on Cash Advances: 26.99%
Grace Period: up to 21 days
Other Fees:
  • Annual fee: None
  • Overlimit fee: None
  • Foreign Currency fee: 2.5%
  • Inactive fee: None

Neo Financial Rewards Mastercard Alternatives

Neo Financial Rewards Mastercard

Neo Financial Rewards Mastercard


Annual Fee


Regular APR


Intro APR


Rec. Credit Score


*The information provided for Neo Financial Rewards Mastercard is believed to be accurate at the time of evaluation or recent update on August 28, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Neo Financial Rewards Mastercard

Share your experience and rate the Neo Financial Rewards Mastercard
Neo Financial Rewards Mastercard

Neo Financial Rewards Mastercard

Rec. Credit Score: Fair

Save to Compare

My Saved Cards (0)

Compare Saved Cards

MarketProSecure® Canada has made it easy to find the best card offers for you. All you need to do is find the cards you like, click "Save Card", and compare side-by-side.


Advertiser Disclosure

MarketProSecure® Canada website supports advertisements and receives compensation from certain credit card issuers and advertisers. The partnership with a few financial product providers results in the coverage of their credit or debit related products. The content on the website is not provided or commissioned by any credit card issuers. The advertiser relationships do not affect the ratings and reviews nor our Best Card Picks. MarketProSecure® Canada makes an effort to provide accurate information. Clicking on the "Apply Now" button will present the most up-to-date information from the credit card issuer regarding the terms and conditions, rates, and fees. MarketProSecure® Canada may receive a commission from product providers and credit card issuers. Editorial Guidelines provides the full list of these issuers.