Best Cashback Credit Card from Neo financial 2022

Neo credit card is a unique cashback card that offers both great discounts and more flexibility. Instead of just having a fixed cashback rate, the Neo card offers a list of popular merchants with special cashback rates. The merchant community that Neo does business with offers an average of 5% unlimited cash back on all purchases made. This reward formula is more interesting than a classic cash back card.

Apply here to the Neo Mastercard

The Neo credit card is available with no annual fee! However, if you want to increase your cashback, you can opt for their different paid plans.


The Neo cashback card is competitive and provides more perks than traditional cashback cards issued by the big banks.

Rating: 4.5 out of 5.

Neo credit card: advantages

–Great cashback rates, especially if you make your purchases at thousands of partner brands, including (Canadian Tire, Sport Chek, Netflix, Amazon, Walmart, Loblaws, Dollarama, Petro-Canada…etc.). Even more interesting is that you can easily access current offers and check your cashback on the Neo mobile app.

No annual fee! If you opt for the plus and ultra packages, you will have to pay a monthly fee, but you can switch back to the standard plan at any time. I like the idea of ​​billing the fees monthly because when you cancel, you will only have to pay for the months used, unlike the case where you cancel a card that charges an annual fee;

The credit score required for this card is only 600. Most cashback credit cards require a higher score;

Apply here to the Neo Mastercard

Neo credit card rewards!

Purchase from Neo’s partner merchants: On average, you can get an average of 4% cashback. The offers are accessible on the Neo mobile application;

Welcome offers at most merchant partners: when you make your first purchase at most eligible merchants, you receive 15% cashback;

A guaranteed minimum cashback of 1%. Neo ensures that your cashback rate is at least 1%

-If buying local is a priority for you, know that the Neo mobile app has special cashback rate offers for businesses near you

Apply here to the Neo Mastercard

Neo Credit Card: list of partners

Neo does business with several brands for all types of purchases:

Furniture store: Structube, Kala Home, Aria Home Decor…etc
Clothing: Zara, Gap, Aritizia, lululemon..etc
Coffee: Second cup
Services: H&R Block, clearly, Netflix…etc
Department stores: Canadian Tire, Sport Chek, Netflix, Amazon, Walmart, Loblaws, Dollarama and Petro-Canada…etc

Hardbacon: compare popular financial products now!

How to boost your cashback

In addition to the standard plan discussed above, there are two additional options that might be more suitable for people spending more than $750 per month.

Neo Credit Card – Plus plan

  • 2,99 $/month
  • Avg 5% cashback at Neo partners
  • 1%² minimum cashback across overall spend

Neo Credit Card – Ultra plan

  • 8,99 $/month
  • Avg 6% cashback at Neo partners
  • 1%² minimum cashback across overall spend

How to Apply for the Neo cashback Card

To apply, you must meet two conditions:

be of legal age at the time of your application;
be a resident of Canada

use this secure link that takes you directly to the Neo Financial site to start your application.


The Neo card is a Mastercard, it comes with 0 liability which protects you against unauthorized transactions. You can also block or unblock your card whenever you want.

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