Neo Financial Referral Code
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.
New Neo customers only. $25 bonus credited after Neo Card approval. Additional $10 credited after depositing $50 into a Neo Money account.
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
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
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
Earn More on Every Purchase
Join over 1 million Canadians earning cashback with Neo
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