Neo World Elite® Mastercard – Everywhere
Earn 2% cashback¹². Everywhere you spend.
2% cashback on everything¹²
5% average cashback with Neo partners²
Premium travel insurances
Annual fee
$149
Additional cardholder fee⁵
$49
Minimum income
$80,000 personal or $150,000 household
2% cashback on everything¹²
5% average cashback with Neo partners²
Premium travel insurances
Annual fee
$149
Additional cardholder fee⁵
$49
Minimum income
$80,000 personal or $150,000 household
Cashback that rewards how you’re already spending
A card that rewards you, no matter where you spend.
2% on everything¹²
Get 2% cashback¹² on all of your purchases.
Earn on all your spending
Get rewarded on everything.
More at Neo partners
Get an average of 5% cashback at thousands of Neo partners.²
Access anytime, anywhere.
Earn cashback in real time and use it whenever you want.
Special features
Benefits with serious range. Get more from your credit card.
Travel benefits
Premium travel benefits like DragonPass for worldwide lounge access.¹¹
Schedule payments
Remove stress and never miss a monthly payment with auto-pay.
Comprehensive insurances⁶
Includes emergency medical, auto rental collision, baggage delay, trip interruption, & more.
Financial insights
Get a live, personalized view of your spending to track in real time.
More Mastercard benefits
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, you may receive an offer for a Neo World Elite® Mastercard with a secured credit limit. Secured credit is one of the simplest ways to build or rebuild your credit⁸.
Guaranteed approval¹⁰, regardless of your credit score. Set your limit with a refundable security fund and start building your credit score from day one.
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Security you can depend on
Advanced safety technologies working together with one simple goal: Keeping you secure and protected.
Neo uses AI to monitor for unusual activity while keeping your personal data private.
Freeze your card, view and change your pin, and dispute transactions, all from your phone.
Help protect your card from purchases you didn’t make.
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Check out other Neo cashback credit cards
Neo World Mastercard® – Everywhere
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Everywhere
Earn cashback everywhere. No annual fee.
Neo World Elite® Mastercard – Gas & Grocery
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
Groceries¹
Gas & EV charging¹
Recurring payments¹
Everything else
Earn cashback on your everyday spending. Premium insurances included.
Neo World Elite® Mastercard – Shop & Dine
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
Food & Drink¹
Shopping¹
Everything else
Earn cashback on your shopping & dining. Premium travel insurance included.
Rated 4.8/5 on the app stores
1.3+ million Canadians trust Neo
See how everyday effort turns into real progress
Get the Neo World Elite® Mastercard – Everywhere in minutes
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Have a question?
Here’s some common questions about the Neo World Elite® Mastercard.