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Card Details
Rewards Calculation Disclaimer
An additional cash back rate of 0.49% is added to the base rate on eligible spending categories (e.g. food and online shopping). This average is based on Neo Partners' historical data, where users earned $120 in extra cash back per year on $2,000 monthly spending.
Interest Rates
Purchase: 19.99% - 29.99%□
Cash Advance: 22.99% - 31.99%□
Balance Transfer: 22.99% - 31.99%
□ Quebec rates: Purchase 19.99% - 23.99%, Cash advance 22.99% - 24.99%
Annual Fees
Main Card: $96 ($8 Monthly)
Additional Cards: $10 (max 1 additional cardholder)
Annual Income
Personal: $50,000
Household: $80,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Finly Rating
4.8/5
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 over 10,000 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
- Instant approval and access to virtual card
- Guided credit building tools with built-in credit score tracking
- Additional cash back earning at over 10,000 Neo partners
- No minimum credit score requirement
Cons
- Basic insurance coverage
- Cash back spend caps can limit your rewards