Upgrade your entire Neo experience with more features and enhanced offers. Unlock more cashback offers and new features with the all-new Premium plan.
When you spend more than $333 in gas and grocery within a month, you’ll earn 0.5% cashback on any new gas and grocery purchases. You earn 3% cashback on up to $333 for each gas and grocery transaction.
What benefits are included in the Premium plan?
Explore your perks to learn more about the Premium plan. Select the Premium plan to learn more about its benefits.
Here are the cashback offers, features, and benefits you’ll get from Premium.
Everyday cashback
Get cashback from all your purchases¹.
- Earn more cashback on all gas and grocery purchases
- Earn minimum cashback for all purchases
Benefit from cashback from every transaction with the Premium plan.
Exclusive cashback at Neo partners
Get more cashback based on where you shop at. With Premium, you can find exclusive cashback offers² at:
- Restaurants, bars, and cafes
- Popular streaming services
- Ride sharing services
- Food delivery services
- Retails shops (both online and in-store)
Here’s an article on how to find Neo cashback partners and the exclusive cashback offers.
Unlock additional features and benefits
- Credit score monitoring directly in the Neo app
- AI-powered insights with enhanced data
- $2,500 group life insurance³
- 24/7 legal assistance³
- Purchase protection with extended warranty⁴
- Dedicated priority support
These features are only available with the Premium plan. Explore Premium today.
FAQs about Premium
How do I start or cancel a plan?
You can add or cancel a plan at any time. Here’s an article on how to manage your perks.
How does the spending limit work?
When you spend up to $333 on gas and groceries each, you earn 3% cashback. Once you reach this spending limit, you’ll earn 0.5% on newer gas and grocery purchases.
For example: If you spend $333 on the 1st of the month at a grocery store in one transaction, you’ll earn 3% cashback. The next time you go to the store 1 week later within the same month and spend $100, you’ll earn 0.5% in cashback on your purchase.
This limit applies to gas and grocery purchases separately.
What happens if I cancel my plan mid-month?
If you decide to cancel your plan mid-month, the cancellation will take effect on the first day of the following month. You'll continue to enjoy all the benefits of your plan until the end of the current month.
Can I add multiple plans?
You can add as many plans as you would like. Subscriptions were specifically designed to allow you the flexibility to combine or “stack” them in any combination.
What’s happening with the Premium Access and Everyday Essentials perks?
The best benefits from both these plans are being combined to make the new Premium plan. In the past, you would need both Premium Access and Everyday Essentials to receive the same benefits that you’ll now receive with your Premium plan.
How much cashback can I get?
The cashback you receive will depend on your card as well as added perks. You can log in and select Perks from the header to compare our existing plans and find out what works best for you. You can also use this link instead to view the Perks on your Neo app or website.
¹Cashback earn subject to maximum spend threshold. Terms and conditions apply. For more information, visit the Neo App.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, bill split, and other offers and rewards are operated by Neo.
² Cashback earn subject to minimum spend threshold. There may be monthly limits for boosted cashback. Terms and conditions apply. For more information, visit the Neo App.
Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, bill split, and other offers and rewards are operated by Neo.³ Member insurance benefits underwritten by The Wawanesa Life Insurance Company under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the insurance booklet.
⁴ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in the Certificate of Insurance, and for Quebec residents the Summary and Fact Sheet. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://card.neofinancial.com/legal-bundles.