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Neo Financial card full review

Wondering if the Neo Financial card is right for you? Our Neo card review will help you decide if this unique credit card is a good fit for your lifestyle!

Neo Financial card: know all about this cash back rewards credit card

Check out our Neo card review! Source: Neo Financial
Check out our Neo card review! Source: Neo Financial

Do you ever feel like you’re stuck between a rock and a hard place when it comes to your finances? You want to save money, but at the same time you don’t want to miss out on opportunities to enjoy life. Well, have I got the solution for you! The Neo Financial card is a new kind of credit card that can help you manage your money better. Keep reading our Neo card review to know more!

Credit ScoreMinimum of 600.
Annual FeeNo annual or monthly fees.
Regular APR19.99% to 24.99% on purchases.
Welcome bonus*15% cash back bonus for your first purchase with eligible Neo partners.

*Terms apply.
Rewards*Average of 5% cash back for eligible purchases made with Neo partners.
New cardholders will receive a 0.5% cash back minimum on purchases.
Existing cardholders get 1% cash back for every purchase.

*Terms apply.
Neo Financial card and a smartphone with Neo Financial's app on the screen

How to apply for the Neo card?

Looking for a cashback rewards card? Keep reading our post to know all about the Neo Financial card application!

How does the Neo Financial card work?

You can earn excellent cash back rewards with your Neo card! Source: Unsplash
You can earn excellent cash back rewards with your Neo card! Source: Unsplash

Neo Financial is a new Canadian start-up that offers high-level financial services for Canadians. Also, the Neo card is one of those excellent financial services. Moreover, as a new cardholder, you can earn a 15% welcome bonus for your first eligible purchase at some partenered establishment. Plus, you can earn an average of 5% cash back at local and national partners.

Plus, every purchase earns you 1% cash back if you’re an existing cardholder. New members earn 0.5%. Also, you can join the Plus or Ultra plans for more cash back. For example, Plus is $2.99, and Ultra is $8.99. The Plus plan offers 5% cash back and is recommended for monthly spenders of over $750. Moreover, the Ultra plan is recommended for those who spend over $1,000 per month.

Neo Financial card benefits

The Neo card offers so many benefits, such as average 5% cash back for purchases made at Neo partners and for no monthly or annual fees. Also, there are excellent plans that can allow you to boost your cash back earnings. However, this card also has some drawbacks. So, check out our list below to see the pros and cons of this Neo card.

Pros

  • Relatively high cash back rewards rate.

Cons

  • This card offers some relatively low credit limits.
  • There could be different rewards other than cash back only.

Pre-approved credit cards for low credit score available now

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How good does your credit score need to be?

To become eligible for this card, you’ll need a credit score of 600 minimum.

How to apply for Neo Financial card?

You can easily apply for this Neo Financial card through their official website or mobile app. Therefore, check out our post below to know all you need about the application process for the Neo card!

Neo Financial card

How to apply for the Neo card

Looking for a cashback rewards card? Keep reading our post to know all about the Neo Financial card application!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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