The Most Comprehensive Neo Credit Card Partners List
Updated: Nov 10
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.
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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!
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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