Choose your Neo Card
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 Mastercard - Easiest to get
Guaranteed approval¹
Minimum income
None
grocery²
gas²
Build your credit history, unlock more credit, and earn cashback.
Neo World Mastercard® - Best no fee
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 World Elite® Mastercard - Highest Cashback
Estimated Cashback
$1105
Cashback from groceries
$600
Cashback from gas
$370
Yaerly fee
-$125
grocery²
gas²
recurring payments²
everything else²
Plus purchase protection⁴ and travel benefits
Everything you need from a top-tier card with no tradeoffs. Minimum income $80,000/year.
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.
