Neo Financial
Neo Credit
Apply with any credit history or income and get instant approval plus a virtual card you can use right away. Earn 1% cashback on gas and groceries and up to 15% at 10,000+ Neo partners, with no annual fee.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
19.99%-29.99% (purchases; 19.99%-23.99% in Quebec and Newfoundland)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1% cashback on gas/EV charging and groceries (up to $500/month per category)
- average ~5% (up to 15%) instant cashback at 10,000+ Neo partner merchants
- boosted rates available with a Neo Everyday account
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 |
| Purchase APR | 19.99%-29.99% (purchases; 19.99%-23.99% in Quebec and Newfoundland) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 22.99%-31.99% |
| Balance transfer fee | No BT offer |
| Cash advance | Cash advance APR 22.99%-31.99%; flat per-advance fee not publicly disclosed (see Neo Disclosure Statement, Rate & Fee Schedule) |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Mastercard |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.