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What are Neo Rewards?

  • Updated

Neo Rewards is a cashback ecosystem that includes over 11,000 partner locations across Canada. By shopping at Neo partners, you can earn rewards, get cashback, and save money.

When you pay with your Neo Credit card, Neo Money™ card, or Hudson’s Bay Mastercard® at one of our partners, you’ll automatically earn cashback.

How does Neo Rewards work?

The more you use Neo and encourage others to, the more you’ll be rewarded. Rewards are based on purchases you make at Neo partners and the people you refer to Neo. Rewards include cashback, perks, and referral bonuses. 


Cashback makes up a large part of Neo Rewards. You can earn an average of 5% cashback¹ at thousands of local and national Neo partners, including major gas stations, grocery stores, restaurants, gyms, coffee shops, and more. The cashback is unlimited and instant.

Some partners also offer first-time bonuses, where you can earn up to 15% cashback¹ on your first purchase. Through perks, you can also get access to unique cashback bonuses and offers.

Types of cashback offers

There are different types of cashback offers, depending on the brands you shop at, the current deals available, and your perks.

Cashback rewards can be based on several factors. Some of the most common ones include: 

  • How often you visit a store
  • How much you spend
  • How many purchases you make
  • Whether or not you’ve visited that location before

Explore all cashback offers near you for more details about how to earn cashback. 


Extra rewards are available through perks, which you can access when you open a Neo Credit account and activate a perks subscription. 

Perks let you customize your rewards by unlocking specific benefits that matter to you, like travel, everyday essentials, and more.

Through perks, you could get boosted cashback and unique rewards, which aren’t always available to other customers.


Neo offers rewards in the form of referral bonuses when you get friends and family to open a Neo Credit™ card or Neo Money™ account with your referral code. For every successful referral you make, you and the person referred could both get cashback. Referral bonuses are unlimited, so there’s no limit to the cashback you could potentially receive. 

If you’re interested in earning referral rewards, you may also be interested in Neo’s Ambassador program.

Start earning cashback

The more you use and share Neo, the more you'll be rewarded. From earning cashback at 11,000+ spots across Canada, to referral bonuses and perks, Neo rewards help you take your money further. 

To learn more about what rewards are available, start by exploring all cashback offers near you.

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¹Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Cashback, perks, insights, bill split, and other offers and rewards are operated by Neo.

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