Apply now to get $25¹ and unlock exclusive rewards at ATCOenergy and thousands of other local and national Neo partners.

In only 3 minutes with zero paperwork

We’re partnered with leading financial institutions

Earn a minimum of 8% cashback on your next ATCOenergy bill, plus up to 2% back for the next 6 months.²

High cashback at partners

Earn an average of 4%³ unlimited cashback at thousands of local and national Neo partners.

Use it right away

There's no wait — add your card to Apple Wallet or Google Pay to use it as soon as you’re approved.

Get $25 to start spending

Stay on top with notifications

Get notified in real-time when you make a purchase, score cashback, or it's time to make a payment.

Your rewards, at your fingertips

See all your rewards, your Neo Card details, and your spending information in one tap.

Freeze a lost card

You’re in control. Freeze (and unfreeze) your card in one tap.

Protection against fraud

Mastercard Zero Liability protects you from unauthorized transactions.⁴

Pay with Neo anywhere Mastercard is accepted.

Earn instant cashback at the stores you love when you pay with Neo.

Start earning today

Contact support 7 days a week from 7:00 am to 8:00 pm MST.

What is Neo and how is it different?

Neo is a Canadian tech company that reimagines the way people spend, save and earn rewards. We’re helping you make the most out of your time and money by building from the ground up using today’s technologies.

You can open an account within minutes, earn instant cashback from your favourite stores, and get real-time notifications when you spend and save, all without monthly or annual fees

Who can apply for the Neo Mastercard?

You need to live in Canada, have a Canadian photo ID and be the age of majority in your province to apply for Neo. The Neo Mastercard accepts a range of credit scores.

What is the cashback amount and how do the rewards work?

Earn an average of 4%² cashback at thousands of local and national Neo Financial partners, including most major gas and grocery stores, restaurants, gyms, coffee shops, and more. Simply pay with your Neo Mastercard to earn cashback rewards automatically.

What is the Purchase Credit Rate / APR?

The Purchase Credit Rate / APR on the Neo Mastercard is 19.99%-24.99%.

The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.

Do I have to pay fees?

There are no annual or monthly fees. We’re here to give you the most out of your money, so you keep the extra cash and do what you want with it.

How do I earn the $25 bonus?

Apply now for a Neo Mastercard. Once you’ve been approved, we’ll add $25 to your rewards balance. Terms and conditions apply.

See what Neo can do for you

Terms & Conditions

Customers are free to purchase natural gas services or electricity services from a retailer of their choice. For a list of retailers, visit ucahelps.alberta.ca or call 310-4822 (toll-free in Alberta).

¹Limited time offer. Referral Credit is conditional on you: (i) being a resident of Canada, a new Neo customer, and applying for and being approved for a new Neo Card; and (ii) fulfilling and accepting all other conditions associated with the Referral Program, the Neo Platform, Neo Card and all other applicable terms and conditions.

²Terms and conditions apply.

³Average based on current offers, subject to change. Cashback varies per offer and partner. For further information, please see: Neo's Reward Program Terms & Conditions

⁴Pay only for purchases that you have authorized on your Mastercard. Conditions and exceptions apply.

Card issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.