Neo Financial Canada Offers, Cash Back & High-Interest Savings

Neo Financial is a Canadian fintech offering no-annual-fee credit and secured cards with high cash-back potential, plus a market-leading interest rate on the Neo Money™ account.

Why Use Neo Financial Canada?

• Neo Card™ (Credit & Secured)
  Earn an average of 5%+ cash back at 10,000+ Canadian partners, plus a guaranteed 0.5% minimum base cash back everywhere else. No annual fees.

• Neo Secured Credit
  Build credit with a refundable security deposit starting at $50, no hard credit check to apply.

• Neo Money™ Account
  Earn 4% interest (rate subject to change) on all balances, with no monthly fees or minimum balance.

• Partner Offers
  Access exclusive merchant promos, flash offers, and bonus cash-back deals in the Neo app.

• Instant Approval & Digital Card
  Apply online, get approved in minutes, and start spending with a digital card while your physical one ships.

❓ Neo Financial Canada FAQs

Does Neo charge annual fees?
No — all Neo credit products have no annual fee.

What’s the difference between Neo Card™ and Neo Secured?
Both offer the same rewards; the secured version requires a refundable deposit and is designed for building credit.

How high is the Neo Money™ interest rate?
Currently 4%, applied to the entire balance; rate can change with market conditions.

Are there promo codes for Neo?
Occasional referral codes give cash bonuses for new accounts; these change frequently and are best found in-app.

Is Neo available everywhere in Canada?
Yes — available to residents of all provinces and territories meeting eligibility criteria.