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Fintech

Neo Financial credit cards & products

A Canadian fintech offering cashback-focused cards with tiered category rates and no traditional branch network.

Products covered
7
No annual fee
2
Top rated
4.2/5
Score range
300–725

What Neo Financial does well

  • Category cashback rates among the highest advertised in Canada
  • Fully digital sign-up with no branch visit
  • Card, savings and chequing products work together in one app

What to watch for

  • Top rates are subject to monthly spending caps that materially reduce the effective return
  • Some products are prepaid rather than true credit

All 5 Neo Financial credit cards

5 cards
Neo World Elite Mastercard
cash-backMastercard
Neo World Elite MastercardNeo Financial
5% Groceries
Annual fee $1494.2
Rec. score 725+Hard approval
DetailsApply
United MileagePlus Neo World Elite Mastercard
travelMastercard
United MileagePlus Neo World Elite MastercardNeo Financial
1.25x United Airlines & Star Alliance flights
Annual fee $894.0
Rec. score 725+Hard approval
DetailsApply
Neo Secured Mastercard
securedMastercard
Neo Secured MastercardNeo Financial
1% Groceries
Annual fee None3.9
Rec. score 300+Easy approval
DetailsApply
Neo World Mastercard
cash-backMastercard
Neo World MastercardNeo Financial
2% Groceries
Annual fee None3.8
Rec. score 640+Moderate approval
DetailsApply
Cathay World Elite Mastercard – Powered by Neo
travelMastercard
Cathay World Elite Mastercard – Powered by NeoNeo Financial
2x Cathay Pacific flights
Annual fee $1803.7
Rec. score 725+Hard approval
DetailsApply
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Neo Financial savings accounts

1 product
Neo Savings AccountNeo Financial

Pairs with Neo's chequing and card products, though the top rate needs a large balance.

2.75%
Interest rate
3.8
Monthly fee: None
Minimum balance: $20,000
CDIC insured: Yes

The 2.75% rate requires a $20,000 balance; lower balances earn less.

Rate verified August 3, 2026 · confirm with the institution before applying

Details

Neo Financial chequing accounts

1 product
Neo Money AccountNeo Financial

Fee-free everyday banking with cashback at Neo's partner network.

Free
Monthly fee
4.1
Transactions: Unlimited
Fee waived at: n/a
Free e-Transfers: Yes

Rate verified August 3, 2026 · confirm with the institution before applying

Details

Frequently asked questions about Neo Financial

What credit cards does Neo Financial offer?

We track 5 Neo Financial credit cards, 2 of which have no annual fee. Annual fees run from $89 to $180. They run on Mastercard. Neo Financial also offers 2 banking products we cover.

What credit score do you need for a Neo Financial card?

Across the Neo Financial cards we track, our recommended scores range from 300 to 725. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 725+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.

Compare Neo Financial against everything else

Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a Neo Financial card genuinely earns you the most, or browse every card we cover.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“Neo Financial Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/neo-financial, updated August 2026.

Sources
  • Neo Financial published product pages and cardholder agreements
  • VaultNerd products database