Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Hannah Logan, Courtney Reilly-Larke, ForbesThis secured credit card is not only a great way to build credit and one of the best Neo credit cards on the market, it’s accessible, has no annual fee—and offers cash-back rewards to rival conventional cards.
- Bridget Casey, Money.caThe Neo Credit is the most rewarding cashback credit card currently available on the Canadian market. If you’re looking for a rewarding cash-back card for everyday spending, Neo Financial is your best option. The card is especially rewarding if you frequent local restaurants and cafes that are most...
- Selin Oguz, HardbaconWhile there are several secured cards on the Canadian market, Neo’s Secured Card is one of a kind. With no annual fees, great perks and a low barrier to entry, it can be a good fit for most consumers in Canada. If you are struggling with your credit score or simply don’t want to deal with going thro...
- Rachel Cribby, Wealth RocketWhile Neo makes applying for a credit card easy, it is meant to help all Canadians alike to take control of their financials. Gone are the days when large banks had the last word. Neo Financial allows all its cardholders to be flexible with their accounts, allowing them to take responsibility for th...
- Yore OysterThe Neo Financial Mastercard is somewhat limited if you're looking for exclusive perks or travel benefits, but if you're looking for a simple credit card with a high cash back rate and no limits on how much you can earn every year, this is the card for you. You can check all the partner stores direc...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 19.99% ‐ 29.99% |
| Balance Transfer Interest Rate | |
| Cash Advance Interest Rate | 22.99% ‐ 31.99% |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | |
| Cash Advance Fee | |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 0.5% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | No |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Google Pay |
| Virtual Cards | Yes |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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