Neo Financial Rewards Mastercard
An average 5% unlimited cashback with Neo Card partners. 15% cashback welcome bonus.
Updated: Aug 28, 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
Recommended Credit
Fair
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
- 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 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
- Simplii Financial Cash Back Visa – no annual fee, 6 months intro on purchases, and up to 10% cash back;
- National Bank Allure Mastercard – supports Quebec Breast Cancer Foundation and earns rewards. There is no annual fee;
- National Bank Platinum Mastercard – 20,000 bonus points, fee-free for 1 year, and an attractive travel insurance package.
Issuer: | ATB Financial |
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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 |
Rec. Credit Score Fair |
Neo Financial Rewards Mastercard
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