Everywhere

Neo Everywhere Mastercards

Rated 4.8/5 on the app stores

If your spending can’t be pinned down to any one genre, the Everywhere card has your name on it. Earn up to 2% cashback on everything.

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Turn your card into a cashback card

Everywhere has options. Pick the best one for you.

choose the card that benefits you

Neo World Mastercard®

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Everything

1%

Annual fee

$0

$50,000 personal or $80,000 household income required

Get this card

Neo World Elite® Mastercard

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Everything¹²

2%

Annual fee

$149

$80,000 personal or $150,000 household income required

Get this card

Compare cards and find the best one for you

Pick the card that fits your life.

Neo World® Mastercard

Neo World® Mastercard

Neo World Elite® Mastercard

Neo World Elite® Mastercard

Cashback on everything

1%

2%¹²

Partner Cashback²

Up to 15%

Up to 15%

Annual Fee

$0

$149

Additional Cards⁵

$0

$49

Mastercard Zero Liability³

Extended Warranty & Purchase Protection⁶

Mastercard Benefits

Trip Interruption & Cancellation⁶

Auto Rental Collision/Loss Damage Insurance⁶

Emergency Medical Coverage⁶

Income Requirements

$50,000 personal or $80,000 household

$80,000 personal or $150,000 household

Purchase Rate⁴

19.99%–29.99%

19.99%–29.99%

Cash Advance Rate⁴

22.99%–31.99%

22.99%–31.99%

Get this card

Get this card

Special features

Benefits with serious range. Get more from your credit card.

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Instant card access

No more waiting. Get your digital card instantly upon approval.

Additional cashback offers

Shop at over 10,000 partners across Canada to earn additional, instant cashback.²

More from Mastercard

Access exclusive Mastercard offers from partners like H&R Block, FlexiRoam, Fubo & more

Schedule payments

Focus on what matters and never miss a monthly payment with auto-pay.

Financial insights

Take a bird’s eye view of your finances with a live, personalized view of your spending.

Costco® exclusive

Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.

Earn cashback, no credit score required.

If you’re starting out or rebuilding credit, every Neo credit card comes with a secured option, so you never have to sacrifice rewards to get there. Secured credit is one of the simplest ways to build or rebuild your credit.⁸

Guaranteed approval¹⁰, regardless of your credit score. Set your limit with a refundable security fund and start building your credit score from day one.

Apply now
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Security you can depend on

Advanced safety technologies working together with one simple goal: Keeping you secure and protected.

  • Neo uses AI to monitor for unusual activity while keeping your personal data private.

  • Freeze your card, view and change your pin, and dispute transactions, all from your phone.

  • Help protect your card from purchases you didn’t make.

Privacy and security at Neo
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Interested in other options?

Check out Neo’s other cashback credit cards to fit the card with how you spend.

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Shop & Dine

If you’re not strutting the mall you’re sitting down for a nice meal. Earn up to 5% back on food & drink and 3% on shopping.

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Gas & Grocery

Everyday shopping can be repetitive, but when it comes to cashback, repetition is good. Get up to 5% on groceries and 3% on gas.

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Rated 4.8/5 on the app stores

1.3+ million Canadians trust Neo

See how everyday effort turns into real progress

I’ve worked very hard to strengthen my credit history. Thank you Neo for giving me an opportunity to build.

Ryan Haughian

With Neo’s secured card, I’m learning to build my credit responsibly. It’s helping me grow my confidence with credit.

Garry Murphy

It’s helped me rebuild my credit, and I am ecstatic about it!

Eleanor Pye

I’ve had a great experience using Neo, especially with their high-yield savings account. The app is extremely user-friendly and intuitive. I really appreciate the lack of withdrawal fees and the competitive interest rates, which make it easy to grow my savings.

Romina

Extremely easy to set up an account. Neo even pays interest for deposit transfers that are pending!

Dean

Frequently asked questions

Here’s some common questions about the Neo Mastercard.