Gas & Grocery

Neo Gas & Grocery Mastercards

Rated 4.8/5 on the app stores

Filling the fridge and filling the tank are essentials. Get up to 5% on the things you’re already spending money on.

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Choose the card that benefits you

Gas & Grocery has options. Pick the best one for you.

Neo World Mastercard® - Gas & 











Grocery

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Annual fee²

$0

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

2%

Grocery¹

2%

Gas & EV charging¹

2%

Recurring payments⁹

0.5%

Everything else

Earn cashback on your everyday spending. With no annual fee.

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Neo World Elite® Mastercard - Gas & Grocery

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Annual fee²

$149

Personal minimum income

$80,000/year

Household minimum income

$150,000/year

5%

Grocery¹

4%

Gas & EV charging¹

3%

Recurring payments⁹

1%

Everything else

Earn cashback on your everyday spending. Premium travel insurance included.

Get this card

Compare cards and find the best one for you

Pick the card that fits your life.

Neo World® Mastercard

Neo World Elite® Mastercard

Neo Mastercard

Grocery Cashback¹

2%

5%

1%

Gas & EV Charging Cashback¹

2%

4%

1%

Recurring Payments Cashback⁹

2%

3%

--

Everything Else Cashback

0.5%

1%

--

Partner Cashback²

Up to 15%

Up to 15%

Up to 15%

Annual Fee

$0

$149

$0

Additional Card⁵

$0

$49

$0

Mastercard Zero Liability³

Extended Warranty & Purchase Protection⁶

Mastercard Benefits

Comprehensive Travel Insurance⁶

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%

19.99%–29.99%

Get this card
Get this card
Get this card

Special features

Get more out of every fill-up and grocery run with these special features.

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Instant card access

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

Schedule payments

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

Additional cashback offers

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

Financial insights

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

More from Mastercard

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

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.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
everywhere

Security you can depend on

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

  • Advanced fraud monitoring

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

  • Stay in control

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

  • Mastercard Zero Liability³

    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 find the card that fits how you spend.

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Shop & Dine

Cashback every time you eat out or hit the mall. Up to 5% back on food & drink and shopping.

Learn more
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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.

Learn more

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

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Here's some common questions about Neo credit cards.