{"id":897893,"date":"2021-02-02T17:10:54","date_gmt":"2021-02-02T22:10:54","guid":{"rendered":""},"modified":"2026-05-08T05:17:57","modified_gmt":"2026-05-08T09:17:57","slug":"neo-financial-credit-card-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review","title":{"rendered":"Neo Mastercard review"},"content":{"rendered":"<p>Earn cashback at a rate that grows with your Neo Everyday Account balance, and get an average of 5% cash back at thousands of retail partners. Earn 1% cash back on gas and grocery purchases with the Neo Financial credit card, and enjoy a $0 annual fee.<\/p>Neo Financial is a fully online financial institution that competes with traditional banks by offering innovative, low-cost ways of spending and investing. But there are some drawbacks to the Neo credit card, which we break down in this review.<\/p><div class=\"\"><\/div><h3>Neo membership plans<\/h3>There are three Neo plans available:<br \/><ul><br \/> \t<li><strong>Essentials ($0):<\/strong> Earn 2.25% interest with Neo Savings, plus earn cash back at Neo partner retailers. Get free everyday transactions and insights into your spending.<\/li><br \/> \t<li><strong>Build ($0\u2013$7.99):<\/strong> Get 2.50% interest with Neo Savings and earn cash back at Neo partner retailers. In addition to the benefits of an Essentials membership, you'll get credit building and monitoring tools, Neo Money ATM fee reimbursements and an optional secured credit limit.<\/li><br \/> \t<li><strong>Grow ($0\u2013$12.99):<\/strong> Get 3.00% interest with Neo Savings and earn cash back at Neo partner retailers. In addition to the benefits of the Essentials & Build memberships, you'll get premium support. Foreign exchange fee rebates will soon be available with this tier.<\/li><br \/><\/ul><h3>Neo credit card perks<\/h3><ul class=\"list-1\"><li><strong>Cash back rewards.<\/strong> Earn an average of 5% cash back when you spend at Neo partner retailers. Earn 1 cash back on groceries, gas and EV charging.<\/li><li><strong>No monthly\/annual fees with an Essentials membership.<\/strong> Essentials members pay $0 maintenance fees for the Neo Mastercard.<\/li><li><strong>Highly rated mobile app.<\/strong> Available for Android and iOS, the Neo Financial app is well designed and gets great reviews from thousands of users.<\/li><li><strong>Easily control your card settings.<\/strong> No need to reach out to customer support to freeze your card, disable specific transactions (tap, chip, swipe, online or cash withdrawals) or request a card replacement. You can do all this directly in the app.<\/li><li><strong>High maximum credit limit.<\/strong> The Neo Mastercard credit card limit runs up to $10,000 (subject to approval).<\/li><li><strong>Neo insights.<\/strong> Track your spending and get AI-generated personalized financial insights, regardless of whether you have the standard or Premium plan.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/neo-financial\" style=\"text-decoration:underline; font-size:0.9em;\">Learn more about what Neo Financial offers<\/a>\n<\/div>\n<\/article><h3>What to watch out for with the Neo credit card<\/h3><ul class=\"list-3\"><li><strong>High interest rates for bad credit applicants.<\/strong> If you have poor credit, your Neo card interest rate could be high. For purchases, expect anywhere from 19.99% - 29.99% (up to 24.99% in QC). For cash advances, expect anywhere from 22.99% - 31.99% (up to 25.99% in QC).<\/li><li><strong>Limited cash back rewards.<\/strong> You can only earn cash back on groceries, gas, EV charging and purchases at retailers within Neo&#8217;s network. Higher-tier Neo Mastercards let you earn cash back on every purchase.<\/li><li><strong>Limited benefits with the Essential plan.<\/strong> You&#8217;ll be missing out on many of the perks you can get with other <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards\">rewards credit cards<\/a> like complimentary travel insurance, auto rental discounts, extended warranty coverage and purchase protection.<\/li><li><strong>No in-person service.<\/strong> Neo Financial operates entirely online, so you can&#8217;t go to a local branch for in-person support.<\/li><\/ul><p>The Neo Mastercard requires a hard credit check. If you&#8217;re looking for a cash back credit card with no credit check and no annual fee, check out the <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/neo-secured-card-review-ca-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%2223459%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22d07a3780-7217-4fef-81bb-ee48362b10bd%22%2C%22product_name%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22provider_id%22%3A%22dd309337-1cc7-41b3-b99d-2c495fe53daa%22%2C%22provider_name%22%3A%22Neo%2BFinancial%22%2C%22post_id%22%3A%22897893%22%2C%22post_path%22%3A%22credit-cards%252Fneo-financial-credit-card-review%22%2C%22post_country%22%3A%22ca%22%7D\">Neo Secured Mastercard<\/a>.<\/p><h3>Neo credit card interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase interest rate<\/td><td>19.99% - 29.99% (up to 24.99% in QC)<\/td><\/tr><tr><td>Cash advance rate<\/td><td>22.99% - 31.99% (up to 25.99% in QC)<\/td><\/tr><\/tbody><\/table><h3>What should I know before I apply for the Neo Mastercard?<\/h3><p>Thinking about applying for the Neo credit card in Canada? Here&#8217;s what you should know.<\/p><h4>Eligibility requirements<\/h4><p>To apply for the Neo Financial Mastercard you must:<\/p><ul><li>Be a resident of Canada<\/li><li>Be at least the age of majority in your province or territory (18 or 19 years old)<\/li><li>Have a credit score of 640 &#8211; 900<\/li><\/ul><h4>Required documents and information<\/h4><ul class=\"list-7\"><li>Your full name and contact information<\/li><li>Your Social Insurance Number (SIN) and date of birth<\/li><li>Your employment details<\/li><li>Your financial information, including any debts and assets<\/li><li>Canada-issued photo ID<\/li><\/ul><h3>How to apply for the Neo credit card<\/h3><ol><li>Go to the <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/neo-financial-credit-card-ca-credit-cards-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Neo%2BFinancial%2Bwebsite%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%2223457%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22061f95ac-7190-492c-b98b-0d085d3d99bc%22%2C%22product_name%22%3A%22Neo%2BMastercard%22%2C%22provider_id%22%3A%22dd309337-1cc7-41b3-b99d-2c495fe53daa%22%2C%22provider_name%22%3A%22Neo%2BFinancial%22%2C%22post_id%22%3A%22897893%22%2C%22post_path%22%3A%22credit-cards%252Fneo-financial-credit-card-review%22%2C%22post_country%22%3A%22ca%22%7D\">Neo Financial website<\/a>, or select the button below.<\/li><li>Create a Neo Financial profile, if you don&#8217;t already have one. Provide your name, email address and phone number.<\/li><li>Enter basic details such as your date of birth, address and employment information.<\/li><li>Verify your identity by taking a photo of yourself and your photo identification such as a driver&#8217;s license, provincial ID card or Canadian\/international passport.<\/li><li>Set your preferred credit limit and choose between one of the three membership plans (Essential, Build or Grow). Review and submit your application.<\/li><li>If approved, you&#8217;ll receive your card within 15 business days (3-5 business days with rush delivery).<\/li><li>Activate the Neo Mastercard online without signing into your account. Go to the account login page, select the <strong>Activate<\/strong> button and follow the prompts.<\/li><\/ol><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CACCF has-margin-top-small\">\r\n          <a\r\n            class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\"\r\n            rel=\"nofollow\"\r\n            href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/neo-financial-credit-card-ca-credit-cards-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22061f95ac-7190-492c-b98b-0d085d3d99bc%22%2C%22product_name%22%3A%22Neo%2BMastercard%22%2C%22offer_id%22%3A%2223457%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%22897893%22%2C%22post_path%22%3A%22credit-cards%252Fneo-financial-credit-card-review%22%2C%22post_country%22%3A%22ca%22%7D\"\r\n            target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><h3>How safe is the Neo credit card?<\/h3><p>As a Money Services Business, Neo Financial is subject to regulation by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada). The company partners with other well-known financial institutions to provide services, including Mastercard and Peoples Bank.<\/p><p>Neo uses verification codes as an added layer of protection for customer accounts. If an unauthorized user gains access to your card, you can easily login to your account and freeze your card, disable certain transactions or request a replacement card.<\/p><h3>Bottom line<\/h3><p>The Neo Mastercard offers cash back rewards averaging 5% at partner retailers and 1% on gas, EV charging and groceries. There&#8217;s no annual fee with the Essential plan, but if you upgrade to the Build or Grow membership, you&#8217;ll pay up to $12.99\/month\u2014but you&#8217;ll also get more benefits including a higher Neo Savings rate.<\/p><p>If you&#8217;re looking for a luxury credit card with lots of benefits and optional in-person service, the Neo credit card might not be a good fit. But it&#8217;s a great option if you want a low-cost card with cash back rewards and flexible mobile money management tools.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Explore more cash back credit cards in Canada<\/a>\n<\/div>\n<\/article><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How do I activate my Neo credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Once you're approved the Neo Financial credit card, you'll receive it in the mail within 15 business days (or 3 to 5 business days with rush service). Activate the Neo card online by going to the account login page, selecting <strong>Activate<\/strong> and following the prompts.<\/p><p>If you're using the Neo Financial app, go to the <strong>Accounts<\/strong> tab, select your credit card, go to <strong>Manage card<\/strong> and then follow the prompts to activate your card.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Where can I earn accelerated cash back with my Neo Credit Mastercard?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can earn accelerated cash back rewards with Neo's partners. There are different merchant offers for in-store and online purchases, so check the Neo Financial app to find out which deals are current and where you should target your shopping.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can I use my Neo credit card with Apple Pay and Google Pay?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. Neo Financial is partnered with both Google Pay and Apple Pay digital wallets, so even if you forget your physical wallet at home, you can still use your Neo card.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What other products does Neo Financial offer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Neo Financial offers more than a cash back credit card. You can also earn cash back rewards but bypass a hard credit check with the <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/neo-secured-card-review-ca-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%2223459%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22d07a3780-7217-4fef-81bb-ee48362b10bd%22%2C%22product_name%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22provider_id%22%3A%22dd309337-1cc7-41b3-b99d-2c495fe53daa%22%2C%22provider_name%22%3A%22Neo%2BFinancial%22%2C%22post_id%22%3A%22897893%22%2C%22post_path%22%3A%22credit-cards%252Fneo-financial-credit-card-review%22%2C%22post_country%22%3A%22ca%22%7D\">Neo Secured Mastercard<\/a>. If you're looking for a greater range of benefits, check out the Neo World Mastercard or the Neo World Elite Mastercard.<\/p><p>The <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/neo-financial-high-interest-savings-account-review\">Neo Savings Account<\/a> pays up to 3.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 2.25% interest on balances up to $4,999.99, 2.50% on balances between $5,000.00 and $19,999.99 and 3.00% interest on balances over $20,000.00. <br \/>Interest calculated: daily, Interest paid: monthly\" title=\"\" data-original-title=\"More info\"<\/span> interest on your balance. Earn cashback when you spend with the Neo Chequing Account. Neo also offers actively managed investment portfolios and mortgages.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\" >\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_965571749\" data-toggle=\"collapse\" data-target=\"#sources_965571749\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\" ><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_965571749\" data-accordion=\"details\" >\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.neofinancial.com\/credit\/standard\" target=\"_blank\">Neo Financial: Neo Mastercard Cashback Credit Card<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/fintrac-canafe.canada.ca\/msb-esm\/msb-eng\" target=\"_blank\">FINTRAC: Money services businesses<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Shop with partners retailers to earn accelerated cashback with the Neo Mastercard.<\/p>\n","protected":false},"author":685,"featured_media":1036895,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[91],"tags":[],"asset_tag":[],"class_list":["post-897893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Neo Mastercard Review 2026: Pros &amp; Cons | Finder Canada<\/title>\n<meta name=\"description\" content=\"With cash back rewards and no annual fee\u2014but limited additional perks\u2014is the Neo Mastercard good? Find out in our Neo credit card review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Neo Mastercard Review: Pros &amp; Cons | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"With cash back rewards and no annual fee\u2014but limited additional perks\u2014is the Neo Mastercard good? Find out in our Neo credit card review.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2021-02-02T22:10:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/NeoFinancial_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stacie Hurst\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stacie Hurst\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\"},\"author\":[{\"name\":\"Stacie Hurst\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\"},{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414\"}],\"headline\":\"Neo Mastercard review\",\"datePublished\":\"2021-02-02T22:10:54+00:00\",\"dateModified\":\"2026-03-23T22:06:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\"},\"wordCount\":1984,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/NeoFinancial_Supplied_1800x1000.jpg\",\"articleSection\":[\"Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Neo Financial: Neo Mastercard Cashback Credit Card\",\"url\":\"https:\/\/www.neofinancial.com\/credit\/standard\"},{\"@type\":\"CreativeWork\",\"name\":\"FINTRAC: Money services businesses\",\"url\":\"https:\/\/fintrac-canafe.canada.ca\/msb-esm\/msb-eng\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\",\"url\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\",\"name\":\"Neo Mastercard Review 2026: Pros & Cons | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/02\/NeoFinancial_Supplied_1800x1000.jpg\",\"datePublished\":\"2021-02-02T22:10:54+00:00\",\"dateModified\":\"2026-03-23T22:06:31+00:00\",\"description\":\"With cash back rewards and no annual fee\u2014but limited additional perks\u2014is the Neo Mastercard good? 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Activate the Neo card online by going to the account login page, selecting <strong>Activate<\/strong> and following the prompts.\\r\\rIf you're using the Neo Financial app, go to the <strong>Accounts<\/strong> tab, select your credit card, go to <strong>Manage card<\/strong> and then follow the prompts to activate your card.\\r\"}},{\"@type\":\"Question\",\"name\":\"Where can I earn accelerated cash back with my Neo Credit Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rYou can earn accelerated cash back rewards with Neo's partners. There are different merchant offers for in-store and online purchases, so check the Neo Financial app to find out which deals are current and where you should target your shopping.\\r\"}},{\"@type\":\"Question\",\"name\":\"Can I use my Neo credit card with Apple Pay and Google Pay?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rYes. 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You can also earn cash back rewards but bypass a hard credit check with the <a target=\\\"_blank\\\" rel=\\\"sponsored\\\" href=\\\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/neo-secured-card-review-ca-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%2223459%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22d07a3780-7217-4fef-81bb-ee48362b10bd%22%2C%22product_name%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22provider_id%22%3A%22dd309337-1cc7-41b3-b99d-2c495fe53daa%22%2C%22provider_name%22%3A%22Neo%2BFinancial%22%2C%22post_id%22%3A%22897893%22%2C%22post_path%22%3A%22credit-cards%252Fneo-financial-credit-card-review%22%2C%22post_country%22%3A%22ca%22%7D\\\">Neo Secured Mastercard<\/a>. If you're looking for a greater range of benefits, check out the Neo World Mastercard or the Neo World Elite Mastercard.\\r\\rThe <a href=\\\"https:\/\/www.finder.com\/ca\/savings-accounts\/neo-financial-high-interest-savings-account-review\\\">Neo Savings Account<\/a> pays up to 3.00%<span class=\\\"table-popover\\\" rel=\\\"popover\\\" data-content=\\\"Earn 2.25% interest on balances up to $4,999.99, 2.50% on balances between $5,000.00 and $19,999.99 and 3.00% interest on balances over $20,000.00. <br \/>Interest calculated: daily, Interest paid: monthly\\\" title=\\\"\\\" data-original-title=\\\"More info\\\"<\/span> interest on your balance. Earn cashback when you spend with the Neo Chequing Account. 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Activate the Neo card online by going to the account login page, selecting <strong>Activate<\/strong> and following the prompts.\r\rIf you're using the Neo Financial app, go to the <strong>Accounts<\/strong> tab, select your credit card, go to <strong>Manage card<\/strong> and then follow the prompts to activate your card.\r"}},{"@type":"Question","name":"Where can I earn accelerated cash back with my Neo Credit Mastercard?","acceptedAnswer":{"@type":"Answer","text":"\rYou can earn accelerated cash back rewards with Neo's partners. There are different merchant offers for in-store and online purchases, so check the Neo Financial app to find out which deals are current and where you should target your shopping.\r"}},{"@type":"Question","name":"Can I use my Neo credit card with Apple Pay and Google Pay?","acceptedAnswer":{"@type":"Answer","text":"\rYes. Neo Financial is partnered with both Google Pay and Apple Pay digital wallets, so even if you forget your physical wallet at home, you can still use your Neo card.\r"}},{"@type":"Question","name":"What other products does Neo Financial offer?","acceptedAnswer":{"@type":"Answer","text":"\rNeo Financial offers more than a cash back credit card. You can also earn cash back rewards but bypass a hard credit check with the <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/neo-secured-card-review-ca-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%2223459%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22d07a3780-7217-4fef-81bb-ee48362b10bd%22%2C%22product_name%22%3A%22Neo%2BSecured%2BMastercard%22%2C%22provider_id%22%3A%22dd309337-1cc7-41b3-b99d-2c495fe53daa%22%2C%22provider_name%22%3A%22Neo%2BFinancial%22%2C%22post_id%22%3A%22897893%22%2C%22post_path%22%3A%22credit-cards%252Fneo-financial-credit-card-review%22%2C%22post_country%22%3A%22ca%22%7D\">Neo Secured Mastercard<\/a>. If you're looking for a greater range of benefits, check out the Neo World Mastercard or the Neo World Elite Mastercard.\r\rThe <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/neo-financial-high-interest-savings-account-review\">Neo Savings Account<\/a> pays up to 3.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 2.25% interest on balances up to $4,999.99, 2.50% on balances between $5,000.00 and $19,999.99 and 3.00% interest on balances over $20,000.00. <br \/>Interest calculated: daily, Interest paid: monthly\" title=\"\" data-original-title=\"More info\"<\/span> interest on your balance. Earn cashback when you spend with the Neo Chequing Account. Neo also offers actively managed investment portfolios and mortgages.\r"}}]}]},"article_modified_time":"2026-03-23T22:06:31+00:00"},"custom_fields":{"_masthead_subheading":["{\"text\":\"Earn cash back when you shop at local and national businesses with the Neo Mastercard.\"}"],"_content_type":["niche-content\/recommendation\/product-review"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/897893"}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/685"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=897893"}],"version-history":[{"count":11,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/897893\/revisions"}],"predecessor-version":[{"id":1077560,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/897893\/revisions\/1077560"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1036895"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=897893"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=897893"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=897893"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=897893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}