Get $25¹ + earn cashback on your ATCOenergy bill with the Neo Card

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

Unlock exclusive rewards on your ATCOenergy bill when you pay with Neo

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

Earn cashback everywhere

High cashback at partners

Earn an average of 5%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.

Earn unlimited cashback at thousands of great brands like these — and more

Get $25 to start spending

Simple, instant, and catered to you

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.

The security and safety you expect, and deserve

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

Backed by the best

Pay with Neo anywhere Mastercard is accepted.

Canada’s most rewarding credit card

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

Start earning today

Have questions or want to chat?

Our friendly support team is on it

Visit the Neo Financial Help Centre for answers to commonly asked questions or contact support 7 days a week from 7:00 am to 8:00 pm MST.

Apply now to get $25 on us

See what Neo can do for you


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 at your favourite stores, and get real-time notifications when you spend and save, all without monthly or annual fees.

You need to live in Canada, have a Canadian photo ID, and be the age of majority in your province to apply for the Neo Card. A range of credit scores are accepted.

Earn an average of 5%+¹ cashback at thousands of local and national Neo partners, including most major gas stations, grocery stores, restaurants, gyms, coffee shops, and more. Simply pay with your Neo Card to earn cashback rewards automatically.

The Purchase Credit Rate / APR on the Neo Card 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.

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.

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

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 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.