Neo Credit Card
Neo Financial · Neo Points · Reward Points
This comprehensive guide covers the Neo Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Neo Credit Card from Neo Financial offers neo points rewards redeemable as reward points. Top earning categories include 5x points on groceries and more. This card has no annual fee.
Best for: Grocery, Dining, Fuel, General Online
Official product page → Official rules →
Annual fee: C$0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 5 pts/$100 5x points on groceries
- 5 pts/$100 5x points on dining
- 5 pts/$100 5x points on gas
- 1 pts/$100 1x points on all other purchases
Important Notes
- No foreign transaction fees
- Points value varies by redemption
- No annual fee
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Neo Credit Card vs Similar Cards
- Secured Neo Mastercard — 15% top rate · C$96
- Neo Travel Card — Neo Points · C$120
Maximize Your Rewards
To earn the highest rewards, use the Neo Credit Card for its bonus categories: Grocery, Dining, Fuel, General Online, Electronics Accessories.