Neo Financial Rewards Mastercard

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

Updated: Nov 04, 2021

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.

ANNUAL FEE

$0

ONGOING APR

19.99% - 24.99% Variable

INTRO APR

N/A

14 User Ratings

Neo Financial Rewards Mastercard

at Neo Card's Secured website

Apply Now

Introductory 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

StandardUltraPlus
Monthly PricingFREE for All$8.99/month$2.99/month
Guaranteed Rewards1% Cashback1% Cashback1% Cashback
Avg Cash Back 4% at Neo Partners 6% at Neo Partners 5% at Neo Partners
Bonus IncreaseNonebonuses increase in value by 1.5Xbonuses increase in value by 1.25X
Regular APR19.99% – 24.99%19.99% – 24.99%19.99% – 24.99%
Annual Fee$0$0$0
Inactivity fee$0$0$0
Recommendedif you spend less than $750/monthif you spend more than $1000/month if you spend more than $750/month
Contract LockedNo No No

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 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.
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Basic Information
Issuer: Other Issuers
Network: Mastercard
Category: Consumer (Regular)
Best Used For:
  • Instant Decision
  • Every Day Purchases
  • EMV Chip
  • Sign-Up Bonus
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

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Annual Fee

$0

Regular APR

24.99%

Intro APR

N/A

Min. Credit Level

Fair

IMPORTANT
*The information provided for Neo Financial Rewards Mastercard is believed to be accurate at the time of evaluation or recent update on November 04, 2021. 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

Reviews
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Neo Financial Rewards Mastercard

Neo Financial Rewards Mastercard

Min. Credit Required: Fair

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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.