The Most Comprehensive Neo Credit Card Partners List
Published Mar 13, 2026 3:52 PM • 5 min read
List was last updated Feb 2024
Neo credit cards have a cashback structure unlike any other credit card in Canada. The cashback you get is not only dependent on your purchase category (e.g., Food, Gas, etc.) but also based on whether Neo is a partner of that merchant.
Different partners can give you different percentages of cashback. More importantly, the cashback for each partner might have some extra conditions to release the cashback earned. For example, a Neo partner might require a minimum of $50 in order to qualify your purchase for the cashback bonus.
At the end of the blog, we will go into more detail about how we got the partner list and what happens if you buy from a merchant that is not a Neo Partner.
Neo Partners List - A Comprehensive List
The Neo credot card works in two different ways, depending on the store. In some stores, it's like a savings game. Here’s how it works: Imagine you get a small bonus, like 5% of your purchase price, each time you buy something. But you don't get this bonus right away. You must buy things a few times, like 2 or 3 times, from the same store. After you've done that, you get all your bonuses added up and given to you at once.
In other stores, it's much simpler. Every time you buy something, you immediately get a small bonus, like 5% of what you spent. No need to wait or buy more things to get it.
Top Fast Food Chains Partnered with Neo in Canada
Our choice for: High cash back on groceries & gas
on Neo Financial's website
Finly Special Offer
Welcome Bonus
$0 First-Year Annual Fee and $100 Welcome Bonus
Annual Fee
$149 $0
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
4.6/5
This card offers some of the highest cash back rates in Canada for gas, groceries, and recurring purchases, which is pretty hard to beat. While the cash back rates are very high, you need to mind the spend caps set for each category to see if your earning potential is really that high compared to most other credit cards. However, if you're the average person whose spending is generally below $12k per year in groceries, $6k per year in recurring bills and $12k per year in gas, then you'll be doing pretty well, especially with the great insurance and benefit offers.
Awards & Recognition
Best Cash Back Credit Card
2026
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Spending caps
- Annual fee
Rewards
- 5% cash back on grocery purchases up to $1,000 spending per month
- 4% cash back on recurring purchases up to $500 spending per month
- 3% cash back on gas purchases up to $1,000 spending per month
- 1% cash back on all other purchases with no spending caps
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to $1,000,000
Trip Cancellation
$1,000
Trip Interruption
$1,000
Flight Delay
$500Baggage Delay
$1,000
Hotel Burglary Insurance
$1,000
Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent Child.svg)
Car Rental Damage & Theft
Yes.svg)
Car Rental Personal Effects
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Lost or Stolen Baggage
$1,000
Mastercard Zero Liability Protection
Yes
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
No Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)
World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Top Restaurant Chains Partnered with Neo in Canada
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%
RECOMMENDED CREDIT SCORE
3.4/5
This card offers balanced rewards for everyday purchases. There's a secured version of this card too, which would be beneficial for those wanting to build credit and earn cash back at the same time at only $7.99/month.
Pros
- No annual fee
- Boosted partner cashback
- Instant approval and access
Cons
- Basic insurance coverage
- Spending caps
- Income requirements
Rewards
- 2% cash back on grocery purchases up to $1,000 spending per month
- 2% cash back on gas purchases up to $1,000 spending per month
- 2% cash back on recurring purchases up to $500 spending per month
- 0.5% cash back on all other purchases up to $2,500 spending per month
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMastercard Zero Liability Protection
Yes
Benefits
Details
No Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
FairAnnual Income
$50,000 personal or $80,000 household
Top Clothing Stores Partnered with Neo in Canada
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%□
RECOMMENDED CREDIT SCORE
3.2/5
The Neo Credit Card is special because it earns rewards based on whether the merchant is a partner or not. Most of the time, the cashback earned at these partners is the highest possible compared to all other credit cards. However, we don't recommend using this card as your main credit card and suggest using it only at partner merchants. This is because the rewards at non-partner merchants are very small, and most merchants are not partnered with Neo.
Pros
- No annual fee
- Instant approval and access
- Unique partner cashback program
- Unique benefit system
- Balance protection
Cons
- Insurance and benefit fees
- Spending caps
- Low cashback rates
Rewards
- Up to 15% cash back at thousands of partners across Canada
Eligibility
Credit Score
FairAnnual Income
N/A
Top Grocery Stores Partnered with Neo in Canada
Top Pharmacy Chains Partnered with Neo in Canada
Top Subscriptions Partnered with Neo in Canada
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$119.88
$9.99 Paid Monthly
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%□
RECOMMENDED CREDIT SCORE
4.8/5
Most secured cards give you very low to no rewards for using your card as you build your score over time. This card, however, offers balanced rewards for everyday purchases. This is a fantastic card to help build your score while you also get to earn solid cash back rates.
Pros
- Instant approval and access
- Credit building tools
- Booster partner cashback
- No credit score requirements
Cons
- Basic insurance coverage
- Spending caps
Rewards
- 2% cash back on grocery purchases up to $1,000 spending per month
- 2% cash back on gas purchases up to $1,000 spending per month
- 2% cash back on recurring purchases up to $500 spending per month
- 0.5% cash back on all other purchases
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMastercard Zero Liability Protection
Yes
Benefits
Details
World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
PoorAnnual Income
$50,000 personal or $80,000 household
Top Online stores Partnered with Neo in Canada
Our choice for: Guaranteed approval and earning cashback
on Neo Financial's website
Welcome Bonus
$25 bonus upon approval for new clients
Annual Fee
$119.88
$9.99 Paid Monthly
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%□
RECOMMENDED CREDIT SCORE
4.5/5
If you have a poor credit score and are looking to rebuild it with a secured card, then the Neo Financial Secured Credit Card is the best card to go for. This card offers so much more compared to other secured credit cards on the market, including no monthly fees, a low deposit amount needed to get started, and it is the only credit card that offers some rewards on your purchases!
Awards & Recognition
Best Secured Credit Card
2026
Pros
- Low minimum deposit
- High partner cashback rates
- Instant approval
- Credit-building tools
- No income requirements
- No credit score requirements
Cons
- Potentially high interest rates
- Monthly fee
Rewards
- Up to 15% cash back at thousands of partners across Canada
Eligibility
Credit Score
PoorAnnual Income
N/A
Top Gas Chains Partnered with Neo in Canada
What happens when you make a purchase at a Non-Neo Partner?
Not being a NEO partner does not mean you don't earn any cashback.
At first glance, nothing gets earned when someone uses their Neo Card with non-Neo partners, which is a false assumption.
If the place that you are purchasing from is a gas station or a grocery store and is a non-Neo partner, your cards also gives you cashback on those categories.
How we got the Comprehensive Neo Partner List
Unfortunately, Neo doesn't share the complete list of all their partners online, and you can only access the merchants on the app or website when you login case by case.
So what did we do?
We went through the list of top chains in Canada for different categories on the app and wrote the details of each merchant for you. We got a list of top merchants in each category, went through the app, and documented the merchants that had partnered with Neo.
So, any merchant that is not listed here either is not a partner or was not checked because they were not a top merchant.
Neo Partners List - Conclusion
Neo Credit cards don't have very high coverage on Restaurants and Fast Food chains, and their coverage is around 25% out of the top merchants that were checked. On clothing, subscription, and Gas purchases, on the other hand, they have a much higher coverage.
One important thing is that on some of the partners, the cashback rate is significant and can't be beat by using any other credit card so one of the best things to do is to use another card when the merchant is not a Neo partner and when the merchant is a Neo partner, you can check the cashback rate and if it makes sense use that card.
The Neo app is really great for checking for available cashback partners around you.
On this page
- Neo Partners List - A Comprehensive List
- Top Fast Food Chains Partnered with Neo in Canada
- Top Restaurant Chains Partnered with Neo in Canada
- Top Clothing Stores Partnered with Neo in Canada
- Top Grocery Stores Partnered with Neo in Canada
- Top Pharmacy Chains Partnered with Neo in Canada
- Top Subscriptions Partnered with Neo in Canada
- Top Online stores Partnered with Neo in Canada
- Top Gas Chains Partnered with Neo in Canada
- What happens when you make a purchase at a Non-Neo Partner?
- How we got the Comprehensive Neo Partner List
- Neo Partners List - Conclusion
About the author
Abid Salahi
Co-founder
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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Kevin Shahnazari
Co-founder
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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