Earn instant cashback when you shop with your Neo card! Not only can you earn cashback from every purchase in popular categories (like grocery and gas), but you can get extra cashback from offers at thousands of Neo partners.
Go to Rewards to view the ways you can earn cashback and your latest cashback rates.
Ways to earn cashback
You can earn cashback when you use an eligible card on purchases in popular categories. And then earn extra cashback from offers at Neo partners! Simply use your card to instantly earn cashback and work towards cashback offers.
Cashback in popular categories: Earn cashback when you shop for gas and groceries. Depending on your card, you may also earn cashback from recurring payments (like utility bills and phone plans) and cashback from every purchase.
Extra cashback at Neo partners: Find cashback offers at thousands of Neo partners across Canada. Here's more information about earning cashback at Neo partners.
Eligible cards to earn cashback
Use an eligible card to earn cashback:
- Neo Mastercard (standard and secured)
- Neo World Mastercard® (standard and secured)
- Neo World Elite® Mastercard (standard and secured)
- Neo Money™ card and JA Money card
- Hudson’s Bay Mastercard
Use the same card for cashback offers
Cashback offers need to be started and completed using the same card. For example, if you start a cashback offer using your Neo Credit card, then you need to use the same card to complete the cashback offer.
Cashback in popular categories
Earn cashback whenever you shop in popular categories, including gas and groceries. Go to your Rewards to view your current cashback rates.
Cashback from groceries
Use your card for your groceries and earn cashback!
You’ll earn cashback from any merchant that is categorized as a grocery store or supermarket (Mastercard merchant code 5411), no matter if you shop in person or online! Please note that merchants are responsible for choosing their merchant code, so some merchants may not be categorized as a “grocery store” or “supermarket” (even though they may sell groceries).
We currently don’t have a list of all merchants that are considered grocery stores or supermarkets because merchant classifications may change. If you’re unsure if your favourite store is considered a grocery store, please ask them for their current merchant classification.
Wholesale stores (like Costco and Walmart) aren’t considered grocery stores under Mastercard’s merchant classification. You can still earn cashback at wholesale stores if you earn cashback from everything else.
Cashback from gas
Earn cashback whenever you fill up your tank or charge your electric vehicle!
You’ll earn cashback from any merchant that is categorized as a service station (Mastercard merchant code 5541), automated fuel dispenser (merchant code 5542), or electric vehicle charging station (merchant code 5552). Please note that merchants are responsible for choosing their merchant code, so some merchants may not be categorized as a “service station”, “automated fuel dispenser”, or “electric vehicle charging station” (even though they may sell fuel or are a charging station).
We currently don’t have a list of all merchants that are considered gas stations because merchant classifications may change. If you’re unsure if your favourite stop is considered a gas station, please ask them for their current merchant classification.
Cashback from recurring payments
Purchases made with the Neo World Elite® Mastercard and Neo World Mastercard® are also eligible for cashback from recurring payments (such as utility payments, gym memberships, and phone or Internet subscriptions).
Not all scheduled payments may be considered recurring by the merchant, so confirm with the merchant if the transaction is considered recurring. If the transaction isn't marked as recurring by the merchant, then the purchase isn't eligible for cashback. Contact the merchant to see if the merchant can mark an ongoing or scheduled payment as a "recurring payment".
Cashback from everything else
Depending on your card or plan, you may earn cashback from every purchase (unless the purchase is eligible for cashback from gas, groceries, or recurring payments – then you’ll earn at a higher cashback rate).
Log in and go to Rewards to view your current cashback rate for everything else.
Spending limits for cashback
There may be spending limits for cashback in popular categories (gas, groceries, and recurring payments) and cashback from every purchase. If you spend more than the limit within 1 month, then subsequent spending in that category isn't eligible for cashback (or eligible for cashback at a lower rate).
The spending limits reset at the beginning of each month.
Spending limits for cashback on the Neo Mastercard
- Gas: If you spend over $500 on gas in one month, the cashback rate is 0% for all future gas spending.
- Groceries: If you spend over $500 on groceries in one month, the cashback rate is 0% for all future grocery spending.
- Everything else: If you spend over $1,667 in all other categories in 1 month, the cashback rate is 0% for all future spending.
Spending limits for cashback on the Neo World Mastercard®
- Gas: If you spend over $1,000 on gas in one month, the cashback rate is 0.5% for all future gas spending.
- Groceries: If you spend over $1,000 on groceries in one month, the cashback rate is 0.5% for all future grocery spending.
- Recurring payments: If you spend over $500 on recurring payments in one month, the cashback rate is 0.5% for all future spending.
- Everything else: If you spend over $2,500 in all other categories in 1 month, the cashback rate is 0.5% for all future spending.
Spending limits for cashback on the Neo World Elite® Mastercard
- Gas: If you spend over $1,000 on gas in one month, the cashback rate is 1% for all future gas spending.
- Groceries: If you spend over $1,000 on groceries in one month, the cashback rate is 1% for all future grocery spending.
- Recurring payments: If you spend over $500 on recurring payments in one month, the cashback rate is 1% for all future spending.
Spending limits for cashback on the Neo Money™ card
- Gas: If you spend over $500 on gas in one month, the cashback rate is 0% for all future gas spending.
- Groceries: If you spend over $500 on groceries in one month, the cashback rate is 0% for all future grocery spending.
- Everything else: If you spend over $833 in all other categories in 1 month, the cashback rate is 0% for all future spending.
Spending limits for cashback on the Hudson’s Bay Mastercard card
- Gas: If you spend over $500 on gas in one month, the cashback rate is 0% for all future gas spending.
- Groceries: If you spend over $500 on groceries in one month, the cashback rate is 0% for all future grocery spending.
- Everything else: If you spend over $1,666 in all other categories in 1 month, the cashback rate is 0% for all future spending.
Extra cashback at Neo partners
Get extra cashback from offers at Neo partners across Canada! With thousands of partners across the country, there are many ways to earn more cashback.
Even if a purchase is eligible for cashback in popular categories (gas, groceries, and recurring payments) and cashback from every purchase, you can still earn more from any eligible offers.
Cashback offers are personalized to you and are different at each partner. Some merchants may even have multiple offers available! Go to Rewards to view the cashback offers that are available near you.
Use the same card for cashback offers
Cashback offers need to be started and completed using the same card. For example, if you start a cashback offer using your Neo World Mastercard®, then you need to use the same card to complete the cashback offer.
Boost your cashback rates
There are two ways to boost your cashback rates:
- Increase your boost level by adding funds to a Neo Everyday account
- Subscibe to the Premium plan or perks
Here's how to boost your cashback rates.
Increase your boost level
Neo’s products are designed to work together. By adding funds to a Neo Everyday account, you can boost the cashback rates for your Neo Mastercard, Neo Money card, Neo World Mastercard®, or Neo World Elite® Mastercard.
Get the Premium plan or perks
Subscribe to the Premium plan to boost your cashback rates. You can also subscribe to perks to boost your cashback rates at Neo partners or unlock more ways to earn cashback. Go to your perks to explore how to boost your cashback rates.
Cash out anytime
Any cashback you earn will be instantly added to your Rewards Wallet. Here’s how to view your earned rewards.
There are 3 ways to cash out:
- Use the cashback in the Neo Store to buy exclusive items or deals.
- Cash out to your credit card
- Transfer the cashback to your Neo Everyday account
Here’s how to cash out your cashback.