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NEO Financial Mastercard

This card isn't just your ordinary credit card—it's your key to unlocking a world of innovative features designed to boost your creditworthiness and transform how you manage your finances.

Neo Financial Mastercard
Source: Neo Financial Mastercard

Get ready to supercharge your credit journey with the NEO Financial Mastercard! Whether you’re new to building credit or aiming to elevate your score, NEO Financial has you covered with cutting-edge credit-building tools that empower you to take control of your financial future. Imagine gaining personalized insights into your spending habits and receiving valuable tips on how to improve your financial health—all at your fingertips with the NEO Financial Mastercard.

What’s more, the NEO Financial Mastercard comes with a fantastic rewards program that adapts to your lifestyle and preferences. Earn rewards on your everyday purchases and watch your points stack up towards exciting perks and benefits. And the best part? There’s no annual fee, making this card not only powerful but also cost-effective.

Earning rewards

With the NEO Financial Mastercard, earning rewards is both rewarding and straightforward. Here’s how you can maximize your rewards with NEO Credit:

  • Up to 5% Cash Back at Partner Retailers: Enjoy the flexibility of earning up to 5% cash back when you shop at select partner retailers. Whether you’re shopping for electronics, fashion, or home goods, earn substantial rewards on your purchases.
  • 1% Cash Back on Gas and Groceries: Fuel up your car or stock up on groceries and earn 1% cash back on these essential expenses. This cash back feature ensures that you earn rewards on everyday necessities, making your purchases even more rewarding.

By taking advantage of cash back opportunities at partner retailers and on gas and groceries, you can accumulate rewards effortlessly with every swipe of your card.

Redeeming rewards

Redeeming your rewards with the NEO Financial Mastercard is not only flexible but also convenient. Unlike many other cash back credit cards that limit your redemption options and timing, NEO Credit empowers you to redeem your rewards whenever you desire, with no minimum redemption thresholds. Here’s how you can make the most out of your rewards:

  • Redeem Whenever You Want: NEO Financial puts you in control of your rewards. Whether you prefer to redeem them frequently or save them up for a special occasion, the choice is yours.
  • No Minimum Redemption: Enjoy the freedom of redeeming your rewards without having to meet a minimum redemption requirement. Even if you have a small amount of rewards accumulated, you can still redeem them at any time.
  • Multiple Redemption Options: NEO offers flexibility in how you use your rewards. You can choose to apply your cash back as a statement credit, reducing your outstanding balance. Alternatively, explore other exciting redemption options such as merchandise or gift cards through NEO’s rewards platform.

Whether you prefer immediate savings on your credit card bill or want to treat yourself to something special, NEO Credit makes redeeming rewards simple and rewarding.

Neo Financial Mastercard Everyday Benefits

Unlimited Cashback

Earn unlimited cash back rewards with the NEO Financial Mastercard at partner locations, where there’s no cap on the rewards you can earn. This means the more you use your card at NEO partners, the more cash back you accumulate, making it perfect for frequent shoppers and everyday spenders.

Welcome bonus

When you sign up for a NEO Financial Mastercard, you can take advantage of exclusive offers with NEO’s partners, where you can earn up to 15% cash back on your initial purchases. Whether you’re shopping for essentials or treating yourself to something special, this introductory offer allows you to maximize your savings and experience the benefits of the NEO Financial Mastercard immediately.

Customizable Rewards

This feature allows you to tailor your rewards to fit your lifestyle. Whether it’s adjusting your cashback categories or opting into special offers, you have the flexibility to maximize your benefits based on your spending habits.

No Annual Fee

Enjoy the benefits of the NEO Financial Mastercard without any annual fee. Unlike many credit cards that charge yearly fees for membership, the NEO Financial Mastercard offers you the convenience and rewards without adding to your expenses. This means you can access credit-building tools, personalized insights, and a flexible rewards program at no additional cost, making it a budget-friendly choice for managing your finances.

Money Management Tools

The NEO Financial Mastercard includes intuitive money management tools that can transform how you handle your finances. These tools provide valuable insights into your spending habits, assist with budgeting, and help track savings goals, making it easier to achieve financial success.

Neo Financial Mastercard
Source: Neo Financial Mastercard

Low credit score requirement

The NEO Financial Mastercard offers a more accessible option for individuals with lower credit scores, requiring a minimum score of 600 for approval. This lower threshold makes the card attainable for a wider range of people compared to other credit cards that often require higher scores like 660 or 725. If you’re facing credit score challenges, NEO Financial provides a viable solution without compromising on the rewards you can earn on your purchases.

Flexible Plans

With options like the Base and Premium plans, you can choose a card that aligns with your financial goals. Whether you’re a minimal spender or a heavy user, there’s a plan that fits, making it a versatile choice for diverse financial needs.

Who can apply?

To qualify for the NEO Financial Mastercard, applicants must meet specific age, income, and credit score criteria. Generally, you need to be of legal majority in your province or territory to apply. Income requirements vary but are designed to ensure applicants can manage credit responsibly.

A good credit score is also crucial, as it reflects your creditworthiness and financial reliability, significantly influencing the approval decision. Meeting these requirements demonstrates your readiness to responsibly use the NEO Financial Mastercard and access its valuable benefits and features.

How to Apply for the NEO Financial Mastercard

Applying for the NEO Financial Mastercard is a user-friendly process:

  1. Visit the Website: Go to the NEO Financial website and navigate to the credit card section.
  2. Personal Information: Fill in the application form with your personal details, including your name, address, and contact information.
  3. Financial Information: Provide financial details such as your income and employment status.
  4. Credit Check: Consent to a credit check, which is a standard part of the process.
  5. Submit the Application: Review your information and submit the application.
  6. Wait for Approval: After submitting, wait for the approval, which is typically communicated via email or directly on the website.


Can I Apply for the NEO Financial Mastercard Without a Credit Score?

Yes, you can apply even with a limited credit history. NEO Financial offers options like secured credit cards, which can be a great starting point for building or rebuilding credit.

Can I Use the NEO Financial Mastercard at Any Establishment?

Yes, the Mastercard, it’s accepted globally at millions of locations, including retail stores, restaurants, online platforms, and more, providing you with the flexibility to use your card almost anywhere for your purchases.

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.