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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%
□ Purchase rate for Quebec residents is 19.99% - 23.99%
Annual Fees
Main Card: $0
Additional Cards: $10 (max 1 additional cardholder)
Welcome Bonus
N/A
Annual Income
Personal: $50,000
Household: $80,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Finly Rating
3.5/5
Institution
Neo Financial
How You Earn 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% cash back at Neo Partners
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
No additional benefits available for this card.
Pros & Cons
Pros
- Additional cash back earning at over 10,000 Neo partners
- Instant approval and access to your virtual card
Cons
- Basic insurance coverage
- Cash back spend caps can limit your rewards