Rewards
Base earn rate1% cashback on gas and grocery purchases
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
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Instant virtual card - Start spending before your physical card arrives
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Manage your card online - Freeze your card, check your PIN, and track spending
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Add an additional cardholder - Share access with a partner, family member, or anyone you trust
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Auto-Pay - Set it and forget it with automatic payments
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Real-time alerts - Get notified when your card is used so you'll never find a surprising purchase on your statement
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Advanced fraud monitoring - Neo uses AI to monitor for unusual activity while keeping your personal data private
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Balance protection - Optional coverage that can help cover your payments during tough times
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident