A Neo card for every kind of Canadian.
Borrow better and get rewarded. Neo makes it easy to choose a card that fits your life—not the other way around. Get pre-approved in minutes. Check now without a hard credit check.
Neo World Elite® Mastercard
Annual fee
$149³
Minimum income
$80,000/year
You have the option to choose the card that best fits you: Gas and Grocery, Shop & Dine, or Everywhere.
You can choose your card category during application.
Neo World Mastercard®
Annual fee
$0³
Minimum income
$50,000/year
grocery²
gas²
recurring payments²
everything else²
Plus purchase protection⁴
Reward your everyday purchases and skip the annual fees.
Neo Mastercard
Guaranteed approval¹
Minimum income
None
grocery²
gas²
Build your credit history, unlock more credit, and earn cashback.
Pick your own cashback
Turn how you spend into how you earn. 2 Mastercard options — World and World Elite — and three varieties of cashback. Pick the one that pays and stop compromising.
Shop & Dine
Earn up to 5% back on food & drink and 3% on shopping. Make every meal and mall trip count
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Everywhere
You can’t pin down where you spend and we won’t ask you to. Get up to 2% on every purchase.
Your Cashback Card, Your Way
Annual Fee: $149 | Personal Income: $80k | Household Income: $150k
Neo World Elite® Mastercard - Gas & Grocery
Grocery¹
Gas & EV charging¹
Recurring payments⁹
Everything else
Earn cashback on your everyday spending. Premium insurances included.
Neo World Elite® Mastercard - Shop & Dine
Food & Drink¹
Shopping¹
Everything else
Earn cashback on your shopping & dining. Premium travel insurance included.
Neo World Elite® Mastercard - Everywhere
Neo World Elite® Mastercard
Annual fee
$125³
Minimum income
$80,000/year
grocery²
gas²
recurring payments²
everything else²
Plus purchase protection⁴ and travel benefits
Everything you need from a top-tier card with no tradeoffs.
Neo World Mastercard®
Annual fee
$0³
Minimum income
$50,000/year
grocery²
gas²
recurring payments²
everything else²
Plus purchase protection⁴
Reward your everyday purchases and skip the annual fees.
Neo Mastercard
Guaranteed approval¹
Minimum income
None
grocery²
gas²
Build your credit history, unlock more credit, and earn cashback.
Get pre-approved in minutes
Check now without a hard credit check.
MORE NEO MASTERCARD BENEFITS
Instant virtual card
Start spending before your physical card arrives.
Build your credit history
Secured credit cards are available and all Neo cards report to both TransUnion® and Equifax.
Manage your card online
Freeze your card, check your PIN, and track spending.
Add an additional cardholder
Share access with a partner, family member, or anyone you trust⁵.
Auto-Pay
Set it and forget it with automatic payments.
Next-gen security
Real-time alerts, advanced fraud monitoring, and Mastercard Zero Liability⁶.
Simplicity that doesn’t sacrifice security
Every Neo credit card comes with advanced technologies to protect your privacy and help prevent unauthorized purchases.
- Real-time alerts
Get notified when your card is used so you’ll never find a surprising purchase on your statement.
- Advanced fraud monitoring
Neo uses AI to monitor for unusual activity while keeping your personal data private.
- Mastercard Zero Liability
Help protect your card from purchases that you didn’t make⁶.
