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CREDIT CARDS

CASH REBATES

Neo Credit Card Cash Back Calculator

$60 Cash Rebate From FinlyWealth*

Credit Score

Fair

Welcome Bonus

N/A

Annual Income

N/A

Our Rating

6.5/10

Credit Score

Fair

Welcome Bonus

N/A

Annual Income

N/A

Our Rating

6.5/10

NOTE: Accurately estimating rewards for the Neo Credit Card is near impossible since the full list of Neo partners is unknown. Based on our data, we are using an aggregate overall cash back rate of 1.2% in our calculations, however this may not reflect the real cash back rate you would earn, meaning it could be higher or lower depending on usage.

Details at a glance

Card Type

Cash Back

Annual Fee

$0

Interest Rates*

Purchase: 19.99% - 29.99%

Cash: 22.99% - 31.99%

Institution

Neo

Card Network

Mastercard

25% Referral Cash Bonus

Share your unique referral link to the Neo Credit Card and earn a 25% rebate bonus. Learn more about the Finly referral program.

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Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

How You Earn Rewards

  • • Average of 5% cashback at Neo Partners
  • • Up to 15% cashback on first purchases at Neo partners
  • • 1% cashback on gas and grocery
  • • 0% at Neo non-partners but with a 0.5% cashback guarantee on overall purchases
  • • With all these condition, the average estimated cashback on all purchases came to 1.2% by FinlyWealth.

Reward Insights

Based on average spending

Insurance & Benefit Details

  • • Unique benefit system where perks could be bought with a monthly fee and cancelled after use.
  • • For $4.99/month upgrade to premium to get some extra features such as purchase protection, extended warranty, more cashback, etc.
  • • For $4.99/month get travel benefits such as trip cancelation, trip interruption, cashback on all foreign transactions, etc.
  • • For $1.99/month get Food & Drink Perks for boosted cashback at food places
  • • For $9.99/month get Mind & Body Perks for boosted cashback on wellness services and products and free classes at some partners