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Cashback
Neo Mastercard®
Earn Cashback on Every Day Essentials ⁴
Borrowell Exclusive Offer
1% cashback on groceries, gas & electric vehicle charging
Average of 5% cashback at thousands of partner locations nation-wide—on top of the base cashback rates
Instant cashback that can be redeemed anytime
Annual fee
$0
Additional cardholder fee
$0
Purchase interest⁴
19.99% - 29.99%
TOP NEO MASTERCARD BENEFITS
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Instant virtual card access
Start spending as soon as you're approved with your virtual card.
Schedule payments
Set up auto-pay so you never miss a monthly payment.
Cashback
Earn 1% cashback on groceries and gas², and up to 15% at thousands of Neo partners across Canada.
Financial insights
Get a live, personalized view of your spending to track in real time.
Canada's best secured card
If you're building credit, you may receive an offer for a secured Neo Mastercard.
Costco® exclusive
Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.
Simplicity that doesn't sacrifice security
Every Neo Mastercard comes with advanced technologies to protect your privacy and help prevent unauthorized purchases.
- Real-time alerts
Never get surprised by unknown purchases with real-time notifications.
- Advanced fraud monitoring
AI keeps your personal data private while monitoring for unusual or unsafe activity.
- Mastercard Zero Liability⁶
Help protect your card from purchases you didn’t make.
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Interested in more options?
Explore other cashback credit cards.
Neo World Mastercard®
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
2%
Grocery⁸
2%
Gas⁸
2%
Recurring payments⁸
0.5%
Everything else
A no annual fee card with world class cashback.
Neo World Elite® Mastercard
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
5%
Grocery⁹
4%
Gas⁹
3%
Recurring payments⁹
1%
Everything else
A premium card with best-in-class cashback rates and comprehensive travel insurances.
HAVE A QUESTION?
Here's some common questions about the Neo Mastercard.