Compare all Neo Financial credit cards. Secured cards, no-fee options, and high cash back at partner merchants.
It comes with a welcome bonus of 60,000 pts. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $930.
Annual Fee
$180
Rewards rate
1x
Asia Miles
Welcome Bonus
60,000 pts
1st Year Value
$930
It comes with a welcome bonus of 25,000 pts. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $805.
Annual Fee
$89
Rewards rate
0.75x
United Mileageplus
Welcome Bonus
25,000 pts
1st Year Value
$805
The Neo Money Card has no annual fee, making it risk-free to hold. You earn 1x on groceries and 0x at restaurants. Estimated first-year value is $120.
Annual Fee
$0
Rewards rate
0x
Cashback
Welcome Bonus
—
1st Year Value
$120
The JA Money card—powered by Neo has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 5x at restaurants. Estimated first-year value is $120.
Annual Fee
$0
Rewards rate
0.5x
Cashback
Welcome Bonus
—
1st Year Value
$120
The Neo Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 25 pts. Estimated first-year value is $109.
Annual Fee
$0
Rewards rate
0x
Cashback
Welcome Bonus
25 pts
1st Year Value
$109
It comes with a welcome bonus of 25 pts. You earn 1x on groceries and 0x at restaurants. Estimated first-year value is $49.
Annual Fee
$96
Rewards rate
0x
Cashback
Welcome Bonus
25 pts
1st Year Value
$49
The Neo World Mastercard® has no annual fee, making it risk-free to hold. You earn 2x on groceries and 0.5x at restaurants.
Annual Fee
$0
Rewards rate
0.5x
Cashback
Welcome Bonus
—
1st Year Value
—
You earn 5x on groceries and 1x at restaurants.
Annual Fee
$125
Rewards rate
1x
Cashback
Welcome Bonus
—
1st Year Value
—
Complete Guide
Compare all Neo Financial credit cards. Secured cards, no-fee options, and high cash back at partner merchants.
Neo Financial is a Canadian fintech offering innovative credit cards with high cash back rates at thousands of partner merchants. Their unique model earns you boosted rewards (up to 5%+) at participating stores and a guaranteed minimum on all purchases.
Neo offers a secured credit card ideal for building or rebuilding credit, requiring a refundable deposit. Their standard card has no annual fee, making it accessible to a wide range of Canadians.
8
Cards analyzed
May 2026
Last updated
100%
Independent
Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.
FAQ
Neo offers boosted cash back (up to 5%+) at partner merchants and a guaranteed minimum rate on all other purchases. Cash back is automatically applied.
Yes. The Neo Secured Mastercard requires a refundable deposit and reports to credit bureaus, making it an excellent option for building or rebuilding credit.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
Cash Back
Travel
No Fee
Students
Groceries
Restaurants
No FX Fee
1st Yr Free
Balance Transfer
Lounges
Aeroplan
PC Optimum
Scene+
Amex Membership Rewards
CIBC Aventura
RBC Avion
BMO Rewards
TD Rewards
WestJet Rewards
Marriott Bonvoy
RBC
CIBC
Scotiabank
BMO
American Express
TD
MBNA
National Bank
Capital One
Desjardins
Tangerine
Rogers Bank
Laurentian Bank
Visa
Mastercard
Amex (network)
