How do I use the Neo Financial referral code?

Click the referral link on this page or enter code E6B8C9Y7 when you complete the Neo Card application, which takes about 3 minutes.

Will I know right away if my Neo Card is approved?

Yes. Neo gives you an instant approval decision, and the application uses a soft credit check so your credit score is not affected. Your $25 bonus is credited after approval.

Does it cost anything to claim the Neo bonus?

No. The Neo Card has no annual fee, no monthly fee, and no foreign transaction fees, and Neo Money has no fees and no minimum balance. The extra $10 only requires a $50 deposit into your own Neo Money account.

Do I need a Neo Money account to get the bonus?

Not for the first $25, which is credited after Neo Card approval. The additional $10 requires opening a Neo Money account and depositing $50 into it.

Who can use the Neo Financial referral code?

The referral bonus is for new Neo customers only.

ReferralCodes.me

Get $35 Bonus

Neo Financial

Limited Time Offer

Get $35 when you sign up with Neo Financial

Get $25 on Neo Card approval plus $10 when you deposit $50 into Neo Money

Canada's smartest no-fee credit card with cashback at 10,000+ stores.

or use direct link

New Neo customers only. $25 bonus credited after Neo Card approval. Additional $10 credited after depositing $50 into a Neo Money account.

Visit Neo Financial website

How to Get Your $35 Bonus

Follow these simple steps to claim your referral bonus

Apply for the Neo Card

Click the referral link or enter code E6B8C9Y7 and complete the quick online Neo Card application — takes about 3 minutes

Get Approved Instantly

Receive an instant approval decision. A soft credit check is used during the application, so your credit score is not affected

Earn Your $35 Bonus

Receive $25 on approval, then open a Neo Money account and deposit $50 to collect an additional $10 — for a total of $35

Start Now

Why Choose Neo Financial?

Neo Financial is a Calgary-based fintech company founded in 2019 by the co-founders of SkipTheDishes.

It offers a no-fee Mastercard credit card (the Neo Card) with instant cashback at over 10,000 partner retailers across Canada, plus Neo Money — a high-interest savings account with no fees and no minimum balance.

Neo has grown rapidly to serve over 1 million Canadians and has expanded to offer mortgages and GICs (Guaranteed Investment Certificates) through Neo Mortgage and Neo Invest.

What sets Neo apart is its partnership network: rather than earning a fixed 1–2% on all purchases, Neo users earn differentiated cashback rates at specific partner stores, averaging 5% at places like Sport Chek, Mark's, Rexall, and thousands more.

The Neo Card application takes minutes and approval is often instant, with a soft credit check that does not impact your score.

Combined with the high-interest Neo Money savings account, Neo Financial positions itself as a comprehensive daily banking alternative for Canadians who want to earn more from their everyday spending.

Up to 5% Cashback

Earn instant, unlimited cashback at 10,000+ partner retailers across Canada — averaging 5% at top brands like Sport Chek, Mark's, Rexall, and more

No Annual Fee

The Neo Card has no annual fee, no monthly fee, and no foreign transaction fees — your cashback rewards are yours to keep in full

High-Interest Neo Money

Neo Money is a free high-interest savings account with no minimum balance. Earn competitive interest on every dollar you deposit with no lock-in period

Mortgages & GICs

Neo Mortgage offers competitive mortgage rates, and Neo Invest offers GICs for those who want guaranteed returns — all managed from the Neo app

1M+

Customers

10,000+

Partner Retailers

2019

Founded

Calgary, AB

Headquarters

Our Verdict

Neo Financial is one of the best no-fee credit cards in Canada for people who shop regularly at major Canadian retailers. The 5% cashback at partner stores is genuinely hard to beat, and the instant cashback model means you see your rewards immediately rather than waiting for a monthly statement. The $35 combined bonus (Neo Card + Neo Money) is one of the highest referral bonuses available for a no-fee credit card in Canada. If you want a rewards card that costs nothing and earns more than a traditional cashback card, Neo is an excellent choice.

Pros & Cons

What we like

No annual fee, no monthly fee, no foreign transaction fees

Up to 5% cashback at 10,000+ partner retailers

Instant cashback credited to your account after each purchase

Soft credit check on application — no score impact

Neo Money high-interest savings with no minimums

Expanding product suite: mortgages, GICs, and more

Things to consider

Base cashback rate on non-partner purchases is lower than partner rates

Premium Neo card options come with a monthly fee for higher base rates

Cashback redemption limited to statement credit — no gift card or transfer options

Customer support is digital only — no branch or phone support

Frequently Asked Questions

Everything you need to know about the Neo Financial referral program

The Neo Financial referral code is E6B8C9Y7. Use it when applying for the Neo Card to receive a $25 welcome bonus on approval. If you also open a Neo Money account and deposit $50, you receive an additional $10 bonus for a total of $35.