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Neo Mastercard®

Flat-rate cash back

No annual fee

Real-time transaction alerts

About this card

The Neo Mastercard® is a no-annual-fee credit card designed for Canadians seeking straightforward cash back rewards, especially when shopping with Neo's extensive partner network. With instant approval and a digital-first approach, it's accessible to a broad range of users.


This card is well-suited for individuals who frequently shop within Neo's partner network and prefer immediate cash back rewards without the burden of annual fees. However, those who spend more broadly may find the rewards less competitive outside of partner merchants.

American Express Cobalt® Card

$155.88

/ per year

American Express
Cobalt® Card

The American Express Cobalt® Card is a top-tier choice for Canadians who prioritize earning rewards on everyday spending, particularly in categories like dining, groceries, and streaming services. Its flexible Membership Rewards program and strong earn rates make it especially appealing to those who can maximize its benefits.

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Rogers™ World Elite® Mastercard®

$0

/ per year

Rogers™ World Elite® Mastercard®

This card stands out for its high cash-back rates on U.S. dollar purchases and enhanced rewards for Rogers-affiliated customers. The inclusion of travel insurance and lounge access perks adds value, especially for frequent travelers. However, the benefits are most pronounced for those who meet the income criteria and are existing Rogers, Fido, or Shaw customers.

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Scotiabank Gold American Express® Card

$120

/ per year

Scotiabank Gold American Express® Card

This card is a standout for frequent shoppers and travelers. It offers up to 6x Scene+ points at Empire grocery stores and 5x at other grocery stores, with no foreign transaction fees. Ideal for those who spend heavily on groceries and dining.

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Latest cards


    • Cash Back Rates:
      Up to 15% cash back on first-time purchases at over 10,000 Neo partners
      Up to 5% average cash back at Neo partners
      Up to 4% on gas and groceries
      Up to 1% on all other purchases

    • Instant Rewards: Cash back is credited instantly to your Neo Rewards Wallet.

    • Digital Access: Immediate access to a virtual card upon approval.

    • Flexible Redemption: Redeem cash back as a statement credit, transfer to a Neo Everyday account, or use at the Neo Store.

    • Customizable Perks: Optional monthly subscriptions to boost rewards in specific categories like dining or travel.


    • Variable Interest Rates: High-interest rates apply, especially for cash advances.

    • Partner-Dependent Rewards: Higher cash back rates are primarily available through Neo's partner network; standard rates apply elsewhere.

    • Monthly Spend Limits: Cash back rates are subject to monthly spending caps; exceeding these limits may result in reduced rewards.


    • Welcome Bonus: Earn $25 upon approval.

    • Partner Offers: Up to 15% cash back on first-time purchases at select partners.

    • No set minimum personal income.

    • Suggested Credit Score: 660+

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