Neo Financial 4+

Spend. Save. Earn cashback‪.‬

Neo Financial

    • Free

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Get cashback at thousands of businesses with an average 5%¹ cashback with Canada’s best cashback card².

Create your free Neo profile today to explore our diverse network of brands. Neo is the new way to get cashback, spend, save, and invest.

Earn instant cashback in-person and online at thousands of local and national businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops, and more with the Neo Card, Neo Secured Card or Hudson’s Bay Mastercard.

With the Neo Secured card.

Unlike many other cards, there are no monthly or annual fees³.

Reach your goals faster and earn 2.25%⁵ on every dollar with Neo Money. That’s up to 225x⁴ more interest than at a traditional bank.

Get portfolios tailored to each of your goals, risk tolerances and time horizons with Neo Invest.

Pay bills, make deposits, withdraw and transfer, all from one place. No fees or minimum deposits required.

Never miss a credit card payment again with Auto-Pay to pay off your card automatically each month.

Stay protected against fraud with Mastercard Zero Liability protection⁶. Keep your deposits secure with Canadian Deposit Insurance Corporation.

For more information, please visit




¹Average based on current offers at select partners. Cashback varies per plan, offer, and partner.

²As awarded on October 19, 2021 by votes cast in the Canada’s Choice awards.

³Monthly Statements; No monthly or annual fees; 21 day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (21.99%-26.99%).

⁴Based on research comparing high-interest savings rates of Canada’s ‘Big 5’ banks, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at August 10, 2022.

⁵Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

⁶Pay only for purchases that you have authorized on your Mastercard. Conditions and exceptions apply.

Card issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

The Annual Percentage Rate (APR) on the Neo Mastercard® is 19.99%-24.99%.

The Cash Advance Interest Rate on the Neo Mastercard® is 22.99%-26.99%.

The Neo Money account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Money accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor.

® Trademark of Interac Inc. Used under license.

Neo Financial (“Neo”) is a strategic partner of OneVest Management Inc. (“OneVest”). Through its Wealth Management-as-a-Service platform, OneVest provides wealth management products and services to Neo customers.

OneVest Management Inc. is a registered Portfolio Manager in each province and territory of Canada and an Investment Fund Manager in the provinces of Alberta, Newfoundland and Labrador, Ontario and Quebec. Assets in your OneVest accounts are held with CI Investment Services (CIIS), a registered investment dealer in each province and territory of Canada, a member of the Investment Industry Regulatory Organization of Canada (IIROC). OneVest is a wholly owned subsidiary of One Wealth Technologies. Copyright @ 2021, One Wealth Technologies Inc. All rights reserved.

Neo Invest is not available in French or in Quebec.

What’s New

Version 2023.22

We’ve fixed some bugs and improved performance to make spending and saving as simple as possible.

Ratings and Reviews

4.8 out of 5
18.8K Ratings

18.8K Ratings

Doug14231423 ,

Get this card!

Currently the top option in Canada. Highly recommended!

simcityfan12601 ,

Seems to be good but no available in Ontario?

I was able to make an account but it then let me know it’s not açai or in my region. I hope it didn’t affect my credit as I entered my information only to find that it’s not here in Ontario, Canada.

Micheal7002646 ,

Favourite Card

1% Cash back at many retailers, plus Hudson’s Bay points!

App Privacy

The developer, Neo Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics
  • Other Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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