A game changer card for teens†
A card designed for teens† and great for all. The JA Money card—powered by Neo—gives you the tools to manage your money, save smarter, and get rewarded.
Keep your money secure
Frequently Asked Questions
Legal Disclaimers
¹ Cashback earn subject to minimum spend threshold. Cashback may be subject to limits and varies by perk, offer and partner. Terms and conditions apply. For more information, visit the Neo App. The Neo RewardsTM Program, including cashback, is operated by Neo. Third-party merchants may have minimum age requirements
² The Neo Everyday account is provided by Peoples Bank of Canada, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Everyday accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.ca.
The JA Money card is a prepaid Mastercard® issued by Neo Financial pursuant to license by Mastercard International Incorporated. The JA Money card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.
The Neo High-Interest Savings account is provided by Peoples Bank of Canada.
Insights are operated by Neo.
†Account only available to Canadian residents. You must be at least 13 years of age if you reside outside of Quebec; if you reside in Quebec you must be at least 14 years of age.
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.
All product and company names are trademarks™️ or registered®️ trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Any product names, logos, brands, and other trademarks or images featured or referred to within the Neo website are the property of their respective trademark holders.
View the full terms and conditions: Neo Everyday Account and Access Card Disclosures and Fees and Neo Everyday Account and Access Card Agreement
By using this website, you accept our Terms and Conditions and Privacy Policy. © Neo Financial 2024
*Limited-time offer. Only new JA Money card applicants are eligible for this offer. Customer has 90 days to complete the card application process. Offer is subject to the Neo Rewards Policy, the Neo Platform Terms and Conditions, and any other applicable terms and conditions. Offer may be amended or cancelled at any time without notice.
The JA Money card is a prepaid card that has the rewards of a credit card and the functionality of a debit card, without incurring debt or spending beyond your account balance. Access cash and spend your money online and in-store without having to manually load funds onto your card.
What is a prepaid card and how does it differ from a debit card?
Cashback is exactly what it sounds like—money back in your pocket, through your Rewards Wallet, when you make a purchase with your JA Money card at any of the thousands of partners, or the brands and categories where cashback is offered.
How does cashback work and why should I care?
Know what’s happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.
Protect your account with Face ID, fingerprint lock, and two-factor authentication.
How do I use my cashback?
You can use your cashback for making purchases in the Neo Store, or cash out to your Neo Everyday account. Cashback is paid instantly and is accessible through your Rewards Wallet in the Neo app.
What is a high-interest savings account and why does it matter?
In addition to the JA Money card, you can open one or more Neo High-Interest Savings accounts, which help you easily earn interest on your savings. Interest is calculated daily and paid out monthly. When you want to save for specific goals, you can personalize your savings accounts with a goal name and amount to track your progress.
Meet the JA Money card
Meet the JA Money card
Spend
Earn cashback with your favourite brands, and manage your money with free transactions and no monthly fees.
Save
Access personalized high-interest savings accounts to plan and reach your savings goals.
Learn
Master your finances with insights and budgeting tools in the Neo app. Plus, access bite-sized lessons in the JA Knowledge Hub.
Cashback rewards, designed for teens†
Restaurants & Food Delivery Apps
Enjoy 5% average cashback¹ at select restaurants and Uber Eats.
Clothing & Footwear
Shop the latest styles and score 2% cashback¹ at stores like Dynamite, JD Sports, and Simons.
Bookstores & eBooks
Catch up on reading with 2% cashback¹ at select places like Chapters, Indigo, and Kobo.
Health & Fitness
Stay active with 2% cashback¹ at select places like GoodLife Fitness and Anytime Fitness.
And more!
Use the Neo app to discover over 10,000 places to earn rewards—it’s like the Google Maps of cashback.
Games & Entertainment
Level up with 2% cashback¹ at select spots like PlayStation, Xbox, Nintendo, and Steam.
Get notified in real time
Safe, secure deposits
Advanced app security
Join the new era of financial empowerment
Support Junior Achievement of Canada's mission by getting the JA Money card.
Purchase with purpose
Use your JA Money card and every purchase will contribute to JA’s mission at no cost to you.
Gain a wealth of knowledge
Start building your money independence
Who is JA Canada and how does the JA Money card support the organization?
Junior Achievement of Canada (JA Canada) is a non-profit educational organization committed to youth success. Learn more at jacanada.org.
Your JA Money card usage generates donations for JA Canada at no cost to you.
Who is Neo Financial™?
Neo Financial™ is a financial services company that’s helping Canadians build a better financial future with spending, savings, and rewards. Learn more at neofinancial.com.
Access and share the JA Knowledge Hub to build money management skills and confidence.
Spend
Earn cashback with your favourite brands, and manage your money with free transactions and no monthly fees.
Save
Access personalized high-interest savings accounts to plan and reach your savings goals.
Learn
Master your finances with insights and budgeting tools in the Neo app. Plus, access bite-sized lessons in the JA Knowledge Hub.
Restaurants & Food Delivery Apps
Enjoy 5% average cashback¹ at awesome restaurants and Uber Eats.
Clothing & Footwear
Shop the latest styles and score 2% cashback¹ at stores like Dynamite, JD Sports, and Simons.
Bookstores & eBooks
Catch up on reading with 2% cashback¹ at places like Chapters, Indigo, and Kobo.
Games & Entertainment
Level up with 2% cashback¹ at spots like PlayStation, Xbox, Nintendo, and Steam.
Health & Fitness
And more!
Stay active with 2% cashback¹ at places like GoodLife Fitness and Anytime Fitness.
Use the Neo app to discover over 10,000 places to earn rewards—it’s like the Google Maps of cashback.
