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Card Details
Interest Rates
Purchase: 19.99% - 29.99%□
Cash Advance: 22.99% - 31.99%□
Balance Transfer: 22.99% - 31.99%
□ Quebec rates: Purchase 19.99% - 24.99%, Cash advance 22.99% - 25.99%
Annual Fees
Main Card: $0
Additional Cards: $10 (max 1 additional cardholder)
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Finly Rating
2.7/5
Institution
Neo Financial
How You Earn Rewards
- 1% cash back on grocery purchases up to $500 spending per month
- 1% cash back on gas purchases up to $500 spending per month
- Up to 15% cash back at over 10,000 Neo Partners
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Balance Protection
optional add on
Benefits
Details
Neo Premium ($4.99/month)
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Neo Travel Benefits ($4.99/month)
Neo Food Cashback boost ($1.99/month)
Neo Mind and Body Perks ($9.99/month)
Pros & Cons
Pros
- Instant approval and access to virtual card.
- Unique cashback program which earns cashback based on partner instead of purchase category.
- Massive cashback at some partners that any other credit card couldn't beat.
- Unique benefit system where perks could be bought with a monthly fee and cancelled after use.
Cons
- No built-in purchase protection and extended warranty benefit.
- Low cash back rates on specialized categories.
- Spending caps limit reward-potential.