Rewards
Base earn rate1% cashback on everything else
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$125
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Membership for lounge access
⭐
Instant virtual card - start spending before physical card arrives
⭐
Manage your card online - freeze card, check PIN, track spending
⭐
Add an additional cardholder
⭐
Auto-Pay - automatic payments
⭐
Free Neo membership - level up Neo products and unlock premium features
⭐
Balance protection - optional coverage to help cover payments during tough times
⭐
Thousands of cashback offers at over 10,000 partners across Canada
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
travel medical
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident