The Most Comprehensive Neo Credit Card Partners List
Abid Salahi
Author3 min read
Neo Partners List - A Comprehensive List
Top Fast Food Chains Partnered with Neo in Canada
Neo World Elite® Mastercard®
4.6
Finly Rating
Welcome Bonus
N/A
Annual Fee
$125
Interest Rates
19.99% - 26.99% (or 19.99% - 23.99% in Newfoundland and Quebec) / 22.99% - 28.99%
Why we like it
Why we like it
This card offers one of the highest cash back rates in Canada for gas (up to 4%), grocery (up to 7%) and recurring purchases (up to 5%) which is pretty hard to beat. While the cash back rates are very high, you need to mind the spend caps set for each category to see if your earning potential is really that high compared to most other credit cards. However, for a typical person who's spending is generally below $12k per year in grocery, $6k per year in recurring bills and $12k per year in gas then you'll be doing pretty well, especially with the great insurance and benefit offers.
Pros & Cons
Pros & Cons
Pros
- Highest cash back rates in Canada for highest spending categories like Grocery (up to 7%), especially if you keep at least $5k in a Neo everyday account
- 12 different types of insurance coverage
- Airport lounge access with DragonPass with $32 USD per visit
- Additional cash back earning at over 10,000 Neo partners
Cons
- High income requirements of $80,000 personal or $150,000 household
- Cash back spend caps can limit your rewards
- Having to keep at least $5k in an everyday account to boost your cash back tier
Product Details
Product Details
Rewards
- 5% cash back on grocery purchases up to $12,000 spending per year (6% cash back if you have $5k in a Neo everyday account, or 7% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 4% cash back on recurring purchases up to $6,000 spending per year (4.5% cash back if you have $5k in a Neo everyday account, or 5% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 3% cash back on gas purchases up to $12,000 spending per year (3.5% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 1% cash back on all other purchases up to $40,000 spending per year
- 5% average cash back at Neo Partners
Insurance
Coverage
Emergency Out of province Medical
Up to $1,000,000Trip Cancellation
$1,000Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$1,000Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
YesCar Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Top Restaurant Chains Partnered with Neo in Canada
Neo World Mastercard®
3.5
Finly Rating
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 26.99% (or 19.99% - 23.99% in Newfoundland and Quebec) / 22.99% - 28.99%
Why we like it
Why we like it
This card offers balanced rewards for everyday purchases and with the cash back boost of up to 4% on groceries, it can easily beat most other no fee cash back credit cards as long as you're willing to keep 10k in a Neo everyday account. There's a secured version of this card too which would be beneficial for those wanting to build credit and earn a very high cash back at the same time at only $5/month.
Pros & Cons
Pros & Cons
Pros
- High cash back rate of 4% on grocery spending but only if you keep at least 10k in a Neo every day account
- Additional cash back earning at over 10,000 Neo partners
Cons
- Basic insurance coverage
- Cash back spend caps can limit your rewards
Product Details
Product Details
Rewards
- 2% cash back on grocery purchases up to $12,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 2% cash back on recurring purchases up to $6,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 2% cash back on gas purchases up to $12,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 0.5% cash back on all other purchases up to $30,000 spending per year
- 5% average cash back at Neo Partners
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Eligibility
Credit Score
GoodAnnual Income
N/A
Top Clothing Stores Partnered with Neo in Canada
Neo Mastercard®
2.7
Finly Rating
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 29.99% (for Quebec 19.99% - 24.99%) / 22.99% - 31.99% (for Quebec 22.99% - 25.99%)
Why we like it
Why we like it
The Neo Credit Card is special because it earns rewards based on whether the merchant is a partner or not. Most of the time, the cashback earned at these partners is the highest possible compared to all other credit cards. However, we don't recommend using this card as your main credit card and suggest using it only at partner merchants. This is because the rewards at non-partner merchants are very small, and most merchants are not partnered with Neo.
Pros & Cons
Pros & Cons
Pros
- High cash back on grocery and gas if you're willing to hold at least $5k in a Neo everyday account
- Unique cashback program which earns cashback based on partner instead of purchase category.
- Massive cashback at some partners that any other credit card couldn't beat.
- Unique benefit system where perks could be bought with a monthly fee and cancelled after use.
Cons
- Base Cash back is very low when you do not hold any money in a Neo everyday account
- No built-in purchase protection and extended warranty benefit.
Product Details
Product Details
Rewards
- 1% cash back on grocery purchases up to $6,000 spending per year (1.5% cash back with $1k in a Neo everyday account, 2% cash back with $3k in a Neo everyday account, 3% cash back with $5k in a Neo everyday account, and 4% cash back with $10k in a Neo everyday account) - drops to 0.5% cash back after hitting spend cap
- 2% cash back on gas purchases up to $12,000 spending per year (1.5% cash back with $1k in a Neo everyday account, 2% cash back with $3k in a Neo everyday account, 3% cash back with $5k in a Neo everyday account, and 4% cash back with $10k in a Neo everyday account) - drops to 0.5% cash back after hitting spend cap
- 0% cash back on all other purchases with $0 in a Neo everyday account, however you get 0.5% cash back with $1-3k in a Neo everyday account, and 1% cash back with $5k+ in a Neo everyday account - drops to 0% cash back again after spending $20,000 in this "other" category
- +5% earned on average at Neo Partners.
Insurance
Coverage
Balance Protection
optional add on
Benefits
Details
Neo Premium ($4.99/month)
Neo Travel Benefits ($4.99/month)
Neo Food Cashback boost ($1.99/month)
Neo Mind and Body Perks ($9.99/month)
Eligibility
Credit Score
GoodAnnual Income
N/A
Top Grocery Stores Partnered with Neo in Canada
Neo World Elite® Mastercard® Secured
4.4
Finly Rating
Welcome Bonus
N/A
Annual Fee
$125
Interest Rates
19.99% - 26.99% (for Quebec 19.99%-23.99%) / 22.99% - 28.99% (for Quebec 22.99%-24.99%)
Why we like it
Why we like it
This secured card offers the highest cash back rates in Canada for gas (up to 4%), grocery (up to 7%) and recurring purchases (up to 5%) which is pretty hard to beat. While the cash back rates are very high, you need to mind the spend caps set for each category to see if your earning potential is really that high compared to most other credit cards. However, for a typical person who's spending is generally below $12k per year in grocery, $6k per year in recurring bills and $12k per year in gas then you'll be doing pretty well, especially with the great insurance and benefit offers.
Pros & Cons
Pros & Cons
Pros
- Low to no credit score requirement, making approvals easy and helps to build your credit score over time
- Highest cash back rates in Canada for highest spending categories like Grocery (up to 7%), especially if you keep at least $5k in a Neo everyday account
- 12 different types of insurance coverage
- Airport lounge access with DragonPass with $32 USD per visit
- Additional cash back earning at over 10,000 Neo partners
Cons
- High income requirements of $80,000 personal or $150,000 household
- Cash back spend caps can limit your rewards
- Having to keep at least $5k in an everyday account to boost your cash back tier
Product Details
Product Details
Rewards
- 5% cash back on grocery purchases up to $12,000 spending per year (6% cash back if you have $5k in a Neo everyday account, or 7% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 4% cash back on recurring purchases up to $6,000 spending per year (4.5% cash back if you have $5k in a Neo everyday account, or 5% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 3% cash back on gas purchases up to $12,000 spending per year (3.5% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 1% cash back on all other purchases up to $40,000 spending per year
- 5% average cash back at Neo Partners
Insurance
Coverage
Emergency Out of province Medical
Up to $1,000,000Trip Cancellation
$1,000Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$1,000Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
YesCar Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
Eligibility
Credit Score
PoorAnnual Income
$80,000 personal or $150,000 household
Top Pharmacy Chains Partnered with Neo in Canada
Top Subscriptions Partnered with Neo in Canada
Neo World Mastercard® Secured
4.5
Finly Rating
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 26.99% (or 19.99% - 23.99% in Newfoundland and Quebec) / 22.99% - 28.99%
Why we like it
Why we like it
Most secured cards give you very low to no rewards for using your card as you build your score over time. This card however offers balanced rewards for everyday purchases and with the cash back boost of up to 4% on groceries, it can easily beat most other no fee cash back credit cards as long as you're willing to keep 10k in a Neo everyday account. This is a fantastic card to help build your score while you also get to earn a high cash back rate.
Pros & Cons
Pros & Cons
Pros
- Higher approval rate with the low to no credit score requirement to help you build your credit score
- High cash back rate of 4% on grocery spending but only if you keep at least 10k in a Neo every day account
- Additional cash back earning at over 10,000 Neo partners
Cons
- Basic insurance coverage
- Cash back spend caps can limit your rewards
Product Details
Product Details
Rewards
- 2% cash back on grocery purchases up to $12,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 2% cash back on recurring purchases up to $6,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 2% cash back on gas purchases up to $12,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 0.5% cash back on all other purchases up to $30,000 spending per year
- 5% average cash back at Neo Partners
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Eligibility
Credit Score
PoorAnnual Income
N/A
Top Online stores Partnered with Neo in Canada
Neo Secured Mastercard®
4.5
Finly Rating
Welcome Bonus
N/A
Annual Fee
$60
Interest Rates
19.99% - 29.99% (for Quebec 19.99% - 24.99%) / 22.99% - 31.99% (for Quebec 22.99% - 25.99%)
Why we like it
Why we like it
If you have a poor credit score and are looking to rebuild it with a secured card, then the Neo Financial Secured Credit Card is the best card to go for. This card offers so much more compared to other secured credit cards on the market, including no monthly fees, a low deposit amount needed to get started, and it is the only credit card that offers some rewards on your purchases!
Pros & Cons
Pros & Cons
Pros
- Best Secured Credit Card in Canada voted by FinlyWealth.
- Only Secured Card that you can earn rewards with!
- Option to add additional benefits with a monthly fee.
- Some benefits provided are exclusive to Neo Card holders.
- Deposit of only $50 required to get started
Cons
- Only reports credit activity to TransUnion® and not Equifax®
Product Details
Product Details
Rewards
- 1% cash back on grocery purchases up to $6,000 spending per year (1.5% cash back with $1k in a Neo everyday account, 2% cash back with $3k in a Neo everyday account, 3% cash back with $5k in a Neo everyday account, and 4% cash back with $10k in a Neo everyday account) - drops to 0.5% cash back after hitting spend cap
- 2% cash back on gas purchases up to $12,000 spending per year (1.5% cash back with $1k in a Neo everyday account, 2% cash back with $3k in a Neo everyday account, 3% cash back with $5k in a Neo everyday account, and 4% cash back with $10k in a Neo everyday account) - drops to 0.5% cash back after hitting spend cap
- 0% cash back on all other purchases with $0 in a Neo everyday account, however you get 0.5% cash back with $1-3k in a Neo everyday account, and 1% cash back with $5k+ in a Neo everyday account - drops to 0% cash back again after spending $20,000 in this "other" category
- +5% earned on average at Neo Partners.
Benefits
Details
Neo Premium ($4.99/month)
Neo Travel Benefits ($4.99/month)
Neo Food Cashback boost ($1.99/month)
Neo Mind and Body Perks ($9.99/month)
Eligibility
Credit Score
PoorAnnual Income
N/A
Top Gas Chains Partnered with Neo in Canada
What happens when you make a purchase at a Non-Neo Partner?
How we got the Comprehensive Neo Partner List
Should you get the Neo card?
Neo World Elite® Mastercard®
4.6
Finly Rating
Welcome Bonus
N/A
Annual Fee
$125
Interest Rates
19.99% - 26.99% (or 19.99% - 23.99% in Newfoundland and Quebec) / 22.99% - 28.99%
Why we like it
Why we like it
This card offers one of the highest cash back rates in Canada for gas (up to 4%), grocery (up to 7%) and recurring purchases (up to 5%) which is pretty hard to beat. While the cash back rates are very high, you need to mind the spend caps set for each category to see if your earning potential is really that high compared to most other credit cards. However, for a typical person who's spending is generally below $12k per year in grocery, $6k per year in recurring bills and $12k per year in gas then you'll be doing pretty well, especially with the great insurance and benefit offers.
Pros & Cons
Pros & Cons
Pros
- Highest cash back rates in Canada for highest spending categories like Grocery (up to 7%), especially if you keep at least $5k in a Neo everyday account
- 12 different types of insurance coverage
- Airport lounge access with DragonPass with $32 USD per visit
- Additional cash back earning at over 10,000 Neo partners
Cons
- High income requirements of $80,000 personal or $150,000 household
- Cash back spend caps can limit your rewards
- Having to keep at least $5k in an everyday account to boost your cash back tier
Product Details
Product Details
Rewards
- 5% cash back on grocery purchases up to $12,000 spending per year (6% cash back if you have $5k in a Neo everyday account, or 7% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 4% cash back on recurring purchases up to $6,000 spending per year (4.5% cash back if you have $5k in a Neo everyday account, or 5% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 3% cash back on gas purchases up to $12,000 spending per year (3.5% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 1% cash back on all other purchases up to $40,000 spending per year
- 5% average cash back at Neo Partners
Insurance
Coverage
Emergency Out of province Medical
Up to $1,000,000Trip Cancellation
$1,000Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$1,000Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
YesCar Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Neo World Mastercard®
3.5
Finly Rating
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 26.99% (or 19.99% - 23.99% in Newfoundland and Quebec) / 22.99% - 28.99%
Why we like it
Why we like it
This card offers balanced rewards for everyday purchases and with the cash back boost of up to 4% on groceries, it can easily beat most other no fee cash back credit cards as long as you're willing to keep 10k in a Neo everyday account. There's a secured version of this card too which would be beneficial for those wanting to build credit and earn a very high cash back at the same time at only $5/month.
Pros & Cons
Pros & Cons
Pros
- High cash back rate of 4% on grocery spending but only if you keep at least 10k in a Neo every day account
- Additional cash back earning at over 10,000 Neo partners
Cons
- Basic insurance coverage
- Cash back spend caps can limit your rewards
Product Details
Product Details
Rewards
- 2% cash back on grocery purchases up to $12,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 2% cash back on recurring purchases up to $6,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 2% cash back on gas purchases up to $12,000 spending per year (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to 1% cash back after hitting spend cap
- 0.5% cash back on all other purchases up to $30,000 spending per year
- 5% average cash back at Neo Partners
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Eligibility
Credit Score
GoodAnnual Income
N/A
Neo Mastercard®
2.7
Finly Rating
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 29.99% (for Quebec 19.99% - 24.99%) / 22.99% - 31.99% (for Quebec 22.99% - 25.99%)
Why we like it
Why we like it
The Neo Credit Card is special because it earns rewards based on whether the merchant is a partner or not. Most of the time, the cashback earned at these partners is the highest possible compared to all other credit cards. However, we don't recommend using this card as your main credit card and suggest using it only at partner merchants. This is because the rewards at non-partner merchants are very small, and most merchants are not partnered with Neo.
Pros & Cons
Pros & Cons
Pros
- High cash back on grocery and gas if you're willing to hold at least $5k in a Neo everyday account
- Unique cashback program which earns cashback based on partner instead of purchase category.
- Massive cashback at some partners that any other credit card couldn't beat.
- Unique benefit system where perks could be bought with a monthly fee and cancelled after use.
Cons
- Base Cash back is very low when you do not hold any money in a Neo everyday account
- No built-in purchase protection and extended warranty benefit.
Product Details
Product Details
Rewards
- 1% cash back on grocery purchases up to $6,000 spending per year (1.5% cash back with $1k in a Neo everyday account, 2% cash back with $3k in a Neo everyday account, 3% cash back with $5k in a Neo everyday account, and 4% cash back with $10k in a Neo everyday account) - drops to 0.5% cash back after hitting spend cap
- 2% cash back on gas purchases up to $12,000 spending per year (1.5% cash back with $1k in a Neo everyday account, 2% cash back with $3k in a Neo everyday account, 3% cash back with $5k in a Neo everyday account, and 4% cash back with $10k in a Neo everyday account) - drops to 0.5% cash back after hitting spend cap
- 0% cash back on all other purchases with $0 in a Neo everyday account, however you get 0.5% cash back with $1-3k in a Neo everyday account, and 1% cash back with $5k+ in a Neo everyday account - drops to 0% cash back again after spending $20,000 in this "other" category
- +5% earned on average at Neo Partners.
Insurance
Coverage
Balance Protection
optional add on
Benefits
Details
Neo Premium ($4.99/month)
Neo Travel Benefits ($4.99/month)
Neo Food Cashback boost ($1.99/month)
Neo Mind and Body Perks ($9.99/month)
Eligibility
Credit Score
GoodAnnual Income
N/A
Neo Partners List - Conclusion
What's on this Page
- Neo Partners List - A Comprehensive List
- Top Fast Food Chains Partnered with Neo in Canada
- Top Restaurant Chains Partnered with Neo in Canada
- Top Clothing Stores Partnered with Neo in Canada
- Top Grocery Stores Partnered with Neo in Canada
- Top Pharmacy Chains Partnered with Neo in Canada
- Top Subscriptions Partnered with Neo in Canada
- Top Online stores Partnered with Neo in Canada
- Top Gas Chains Partnered with Neo in Canada
- What happens when you make a purchase at a Non-Neo Partner?
- How we got the Comprehensive Neo Partner List
- Should you get the Neo card?
- Neo Partners List - Conclusion