Pros & Cons
Pros
- +Up to 5x on Restaurants
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
- –No purchase protection
Our Review
The JA Money card—powered by Neo, is ideal for teenagers. You can get this prepaid Mastercard from the age of 13 (14 in Quebec).
With the the JA Money card—powered by Neo, you get up to 5% cash back:
- Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
- Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
- Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
- Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
- Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
Rewards
All Spending
0.5x
Cash Back pts per dollar
Restaurants
5x
Entertainment
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$330
$/yr
Estimated Value
$330
After Fees
+$330
1st Year Value
$330
incl. welcome bonus
Annual rewards breakdown
Terms & Conditions
Card Features
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.
Exclusive cashback offers at Neo partners
- Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
- Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
- Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
- Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
- Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
- And more: Use the Neo app to discover over 10,000 places to earn rewards— it’s like the Google Maps of cashback.
Features and benefits
- Get notified in real time: 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.
- Safe, secure deposits: Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.
- Advanced app security: Protect your account with Face ID, fingerprint lock, and two-factor authentication.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Protégez-vous may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Neo. All trademarks are property of their respective owners.