Apply online to get a credit card from Neo in minutes. If you're approved, you can start using a virtual credit card right away or you can add the card to your mobile wallet.
You can choose between a standard credit card or a secured credit to help build your credit. Here's how secured credit cards work.
How to apply for a credit card
To apply for a credit card, you’ll need to provide some personal details and verify your identity (if it’s your first Neo product). Most credit card applications are processed instantly, but sometimes it can take a few days to review and approve your application.
Neo app
- Go to the Neo app and tap Sign up to create your Neo account
- In the Accounts tab, select Credit
- Tap on Choose your card to start your application
Web
- Go to https://member.neofinancial.com/signup to create your Neo account
- Click on Credit from the left-side menu
- Click on Choose your card to start your application
You can only have one Hudson's Bay Mastercard and one Cathay World Elite® Mastercard, but you can have multiple Neo Credit cards.
Information you need to provide to apply for a credit card
When you apply for a credit card, you'll need to provide some personal details and financial information.
You may be asked to verify your identity by taking a picture or video of yourself and a valid photo ID. Here are the valid ID types you can provide to verify your identity.
FAQs about applying for a credit card
Here are the most frequently asked questions about applying for a credit card from Neo.
Why can’t I create a Neo account?
If you're unable to create a Neo account, your email or phone number may already be linked to an existing Neo account. Try logging in to your existing account. If you're unable to log in, call us at 1-855-636-2265 for assistance.
Will Neo do a credit check for my credit card application?
A standard credit card is subject to a hard credit check, including when you’re pre-approved for a credit card. Neo will use the information from credit bureaus to verify your identity and confirm you’re eligible for the credit card.
If you want to avoid a hard credit check, you can apply for secured credit card.
Can I switch to a different credit card?
You can request a switch to a different credit card between Neo Credit card and Hudson’s Bay Mastercard every 6 months. Chat with us to switch to a different card. You can’t switch to a different card if you've requested to switch your card within the past 6 months.
Can I change my credit type if I made a mistake in my application?
If you selected the wrong credit type in your application (such as secured credit instead of standard credit), chat with us to see if our team can restart the application. You can’t change the credit type after the application is submitted or if the application is under review.
Can I reopen my closed credit account?
Closed credit accounts can’t be reopened, but you can apply for a new credit card. Log in to apply for a credit card.
Can I have multiple credit cards with Neo?
To apply for another credit card with Neo and access multiple rewards programs, here’s the eligibility criteria you must meet:
- Your existing credit card must be in good standing
- Wait at least 6 months after you’ve been approved for your last Neo credit card
- If you’ve been declined in the past, wait at least 30 days before reapplying
How do I cancel an in-progress application?
If you start a credit card application but don't finish it, then the application will be automatically cancelled in 30 days. You can also chat with us to cancel your in-progress application.