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The Most Comprehensive Neo Credit Card Partners List

Updated: Nov 10


Neo Credit Card partner list

Last Update: Nov 2023


Neo credit cards have a cashback structure, unlike any other credit card in Canada. The cashback you get is not dependent on your purchase category (e.g., Food, Gas, etc.) but is rather 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.


Our Special Offer


If you do decide to get the Neo Card, by applying from this page, you will be able to get an extra $25 signup bonus you wouldn't have gotten if you applied directly yourself!

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Neo Partners List - A Comprehensive List


Important note about the Neo partners list


The Neo credit 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

Fast Food Chain

First time purchase offer

Ongoing purchase offer

Subway

10% back up to $5

8% back up to $40

Boston Pizza

8% back up to $20

6% back up to $10 every 4 purchases

​Papa John's Pizza

10% back up to $10

8% back up to $9.5 every 3 purchases

Second Cup

10% back up to $5

4% back up to $4.25 every 3 purchases

Booster Juice

10% back up to $5

8% back up to $6 every 4 purchases

Five Guys

5% back up to $5

3% back Every $50 Spent

Freshii

10% back up to $10

5% back Every $40 Spent

Hero Certified Burgers

​​No First time purchase bonus

5% back Every $50 Spent

King of Donair

10% back up to $5

​4% back Every $50 Spent

Lafleur

​​No First time purchase bonus

5% back Every $50 Spent

Mary Brown's

10% back up to $5

9% back Every $50 Spent

Nubuger

10% back up to $5

9% back Every $50 Spent

OPA! of Greece

10% back up to $5

8% back Every $50 Spent

Osmow's Shawarma

​​No First time purchase bonus

5% back Every $50 Spent


Top Restaurant Chains Partnered with Neo in Canada

Restaurant

​First time purchase offer

Ongoing purchase offer

Joey's Seafood Restaurants

10% back up to $12

8% back up to $21 every 3 purchases

Earls (restaurant chain)

10% back up to $20

5% back up to $10 every 2 purchases

Freshii

10% back up to $5

8% back on every $50 spent

The Keg

8% up to $20

8% up to $40 every 3 purchases

Mikes (restaurant)

​No First time purchase bonus

3% up to $15 on any purchase

Montana's Cookhouse

10% back up to $15

8% up to $30 every 4 purchases

Nuburger

10% back up $5

9% back on every $50 spent

Chairmans

10% back up to $15

6% back up to $32 every 3 purchases

Cora Breakfast & Lunch

10% back up to $12

8% back up to $20 every 4 purchases

Eggsquis

​No First time purchase bonus

5% back on every $150 spent

Joey's Seafood Restaurants

10% back up to $12

8% back up to $21 every 3 purchases

Montana's BBQ & BAR

10% back up to $15

8% back up to $30 every 4 purchases

Royal Paan

10% back up to $6

8% back up to $14 every 3 purchases

Shoeless Joes Grill

​No First time purchase bonus

5% back on every $150 spent

Scores Rotisserie BBQ

​No First time purchase bonus

5% back on every $150 spent


Top Clothing Stores Partnered with Neo in Canada

Clothing Store

​First time purchase offer

Ongoing purchase offer

Zara

No first time purchase bonus

2% up to $20 on any purchase

Gap

No first time purchase bonus

3% up to $20 on any purchase

Old Navy

No first time purchase bonus

1% up to $50 on any purchase

Lululemon

No first time purchase bonus

2% up to $20 on any purchase

Roots

5% up to $5

4% up to $10 every 2 purchases

Hudson Bay

No first time purchase bonus

2% up to $50 on any purchase

Simons

No first time purchase bonus

1% up to $50 on any purchase

Dynamite

5% up to $20

3% up to $10 every 2 purchases

Ardene

No first time purchase bonus

1% up to $50 on any purchase


Top Grocery Stores Partnered with Neo in Canada

Grocery store

​First time purchase offer

Ongoing purchase offer

Loblaw Companies

No first time purchase bonus

1% up to $5 on any purchase

Walmart Supercentre

No first time purchase bonus

1% on every $45 spent

Real Canadian Superstore

No first time purchase bonus

1% up to $5 on any purchase

Top Pharmacy Chains Partnered with Neo in Canada

Pharmacy Chain

​​First time purchase offer

​Ongoing purchase offer

Shoppers Drug Mart

No first time purchase bonus

1% on every $25 spent

Pharmasave

15% up to $5

3% up to $5 every 3 purchases

PharmaChoice

7% up to $4

3% on every $75 spent

Remedy'sRx

7% up to $4

3% on every $75 spent

The Medicine Shoppe

7% up to $4

3% on every $125 spent


Top Subscriptions Partnered with Neo in Canada

Subscription

​​First time purchase offer

​Ongoing purchase offer

Netflix

No first time purchase bonus

1% up to $10 on any purchase

Amazon Prime

No first time purchase bonus

2% on every $30 spent

Spotify

No first time purchase bonus

1% up to $10 back on any purchase

Disney +

No first time purchase bonus

1% up to $10 back on any purchase

Crave

No first time purchase bonus

1% up to $10 back on any purchase


Top Online stores Partnered with Neo in Canada

Online Store

​​First time purchase offer

​Ongoing purchase offer

Amazon

No first time purchase bonus

2% on every $30 spent

Top Gas Chains Partnered with Neo in Canada

Gas

​​First time purchase offer

​Ongoing purchase offer

Shell

No first time purchase bonus

2% up to $8 on any purchase

Esso

No first time purchase bonus

1% up to $5 on any purchase

Petro Canada

No first time purchase bonus

1% up to $5 on any purchase


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, you earn 1% cashback on those purchases.


For purchases not from a Neo partner and not a grocery store or a gas station purchase, Neo looks at all your purchases in the month. If your overall cashback rate from all your purchases is less than 0.5%, then Neo will make up the difference and give extra cashback so you get the 0.5% cashback guarantee they promised. So rest assured, your cashback rate will never go below 0.5%


For a more detailed review of Neo's reward program, read here.


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 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.


Should you get the Neo card?


Now that you have seen the Neo Partner list, you might be thinking about whether you should get this card or not, considering there are some other factors you need to consider as well. Luckily for you, we have reviewed all Neo credit cards in great detail. You can learn in more detail in Neo Credit card review and Neo Secured Credit card review posts)


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.

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I hope you enjoy reading this article.

If you want to find your best credit cards and maximize rewards, book a session now.

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