Shop & Dine

Neo Shop & Dine Mastercards

Rated 4.8/5 on the app stores

Earn up to 5% cashback eating out or at the mall, with options for no annual fees and travel insurance.

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Choose the card that benefits you

Shop & Dine has options. Pick the best one for you.

Neo World Mastercard® - Shop & Dine

Annual fee

$0

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

2%

Food & drink¹

2%

Shopping¹

0.5%

Everything else

Earn cashback on your shopping & dining. With no annual fee.

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Neo World Elite® Mastercard - Shop & Dine

Annual fee

$149

Personal minimum income

$80,000/year

Household minimum income

$150,000/year

5%

Food & drink¹

3%

Shopping¹

1%

Everything else

Earn cashback on your shopping & dining. Premium travel insurance included.

Get this card

find the best one for you

Compare the Neo World Mastercard® with the Neo World Elite® Mastercard to see which one fits your lifestyle.

Neo World Elite® Mastercard – Shop & Dine

Earn more on food & retail

Neo World Mastercard® – Shop & Dine

Everyday cashback on dining & shopping

Food & Drink Cashback¹

5%

2%

Retail Shopping Cashback¹

3%

2%

Everything Else Cashback

1%

0.5%

Partner Cashback²

Up to 15%

Annual Fee

$149

$0

Additional Cards⁵

$49

$0

Mastercard Zero Liability³

Extended Warranty & Purchase Protection⁶

Mastercard Benefits

DragonPass Lounge Access¹¹

–

Flight Delay⁶

–

Trip Interruption & Cancellation⁶

–

Hotel/Motel Burglary⁶

–

Comprehensive Travel Insurance⁶

–

Auto Rental Collision/Loss Damage Insurance⁶

–

Emergency Medical Coverage⁶

–

Income Requirements

$80,000 personal or $150,000 household

$50,000 personal or $80,000 household

Available with secured credit

Purchase Rate⁴

19.99%–29.99%

Cash Advance Rate⁴

22.99%–31.99%

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Special features

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

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. 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.

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.

Apply Now →

Interested in other options?

Check out Neo’s other cashback credit cards to find the card that fits how you spend.

Gas & Grocery

Cashback on what you already buy every week. Up to 5% back, automatically.

Learn more

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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