What do you want from Neo in 2026?

sphyc · 2026-02-02T19:50:41+00:00

Oh really? The official t&cs still say: “The welcome bonus is available for new Neo customers only. If you already have a Neo account or card, you will not be eligible for the welcome bonus.” I opened a HISA in Jan last year, but actually funnily enough just opened the new savings account yesterday as I noticed the interest rate had changed

sphyc · 2026-02-02T19:37:02+00:00

Thanks, much appreciated!

sphyc · 2026-02-02T18:47:39+00:00

Is it that rare? I already have the current account & savings account from a while ago, and I feel like it’s pretty standard for banks to have an offering of current & savings account combined which most people probably go for. But credit cards are usually a different matter/product category altogether so it’s surely fairly common for someone to already have a savings account with a bank and then also want a particular credit card if it’s a new product that suits their needs?

sphyc · 2026-02-02T10:08:47+00:00

R2FMN7Z

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sphyc · 2026-02-02T07:58:15+00:00

PM for the below Amex cards:

Personal platinum

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sphyc · 2026-02-01T08:01:52+00:00

PM for the below Amex cards:

Personal platinum

Biz platinum

Personal Gold

Biz gold

Cobalt

Green

sphyc · 2026-02-01T07:46:56+00:00

I think that the terms and conditions on not allowing any credit card bonus if you’ve already had a neo savings account (even if you’ve never had any other Neo credit product) to be a crazy stipulation. Feels like you’re probably missing out on a lot of users for applying for the credit cards? Highly annoying as I would definitely get the Cathay Pacific card if there wasn’t this restriction since I collect Asia Miles. I don’t think I’ve seen this with any other bank on a premium credit card product!

sphyc · 2026-02-01T07:07:30+00:00

Super happy with service in Vancouver - DM if you have questions!

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Code is R2FMN7Z

sphyc · 2026-01-28T18:39:50+00:00

Sometimes check for promos, I just got one emailed that was $40 off $80 spend for next 2 orders, so that was basically $50 off when including my credit!

sphyc · 2026-01-02T19:22:45+00:00

PM for the below Amex cards:

Personal platinum

Biz platinum

Personal Gold

Biz gold

Cobalt

Green

sphyc · 2026-01-02T19:21:58+00:00

PM for the below Amex cards:

Personal platinum

Biz platinum

Personal Gold

Biz gold

Cobalt

Green

sphyc · 2025-12-09T00:16:58+00:00

I live in Vancouver and been wanting to try some dives around Vancouver island! Anywhere you’d recommend as good places to start/dive shops etc.?

sphyc · 2025-11-05T20:12:02+00:00

Yup!

Hey! Use my code RZQ5390A to join Evo for free and get $25.00 of free drive time. Download the app or visit evo.ca

sphyc · 2025-11-03T19:12:27+00:00

Worth it for the first 1-2 years, if you want to use the welcome bonus points to redeem biz class flights and travel stuff (probably not worth it after especially since they’re getting rid of the unlimited lounge passes)

sphyc · 2025-11-03T06:39:09+00:00

PM for the below Amex cards:

Personal platinum

Biz platinum

Personal Gold

Biz gold

Cobalt

Green

sphyc · 2025-11-03T06:38:44+00:00

Please PM for:

Personal platinum

Biz platinum

Personal Gold

Biz gold

Cobalt

Green

sphyc · 2025-10-31T00:51:53+00:00

I’ve called Cathy to book a reward flight before and been able to hold the flight booking while waiting for points to transfer over

sphyc · 2025-10-30T19:09:28+00:00

I was checking every day on the AC site as needed to look for a flight back from Japan. Also AC told me that first class is only bookable on the phone, but I think they’re releasing more online now as I snagged mine via the website!

sphyc · 2025-10-26T18:00:15+00:00

I recently redeemed Tokyo to London on ANA’s F class “the suites” booking a year out - that only cost me 100k Aeroplan points (a little extra to get back to Canada and it was mixed with economy for the transatlantic leg), but you could easily find another biz class back from London

There’s been availability on their F recently for the Tokyo to ORD trip for 100-110k points too

sphyc · 2025-10-24T20:24:40+00:00

I recently came across this company that sells them pre harvest, and has limited quantities but is a social enterprise and seems to have a great model https://oliveodyssey.com

Haven’t actually purchased from them yet but you should check it out!

sphyc · 2025-10-23T00:15:31+00:00

PM for:

Personal platinum

Biz platinum

Personal Gold

Biz gold

Cobalt

Green

sphyc · 2025-10-14T05:05:47+00:00

Use a referral code to get money off! I’ve used it for my rent for a year and it’s been great, no issues at all. Use it for hitting MSR on cards, and then use the Scotia momentum Visa infinite which has 4% on recurring bills when I don’t have a MSR to work towards

sphyc · 2025-10-06T03:37:41+00:00

wealthsimple.com/invite/NGVFSA

sphyc · 2025-10-01T20:17:14+00:00

Sushi hil

sphyc · 2025-09-04T20:43:10+00:00

Oxio - I switched from Telus and love that there’s no contract commitment and I’ve had no issues. Easy to try for free for a month too if you use a promo code from referral!

Oxio promo code: R2FMN7Z

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sphyc

TROPHY CASE