Neo World Elite® Mastercard – Shop & Dine
Earn up to 5% cashback on dining out, ordering in and shopping.
5% cashback on food & drink¹
3% on retail shopping¹
1% on everything else
Annual fee
$149
Additional cardholder fee⁵
$49
Minimum income
$80,000 personal or $150,000 household
5% cashback on food & drink¹
3% on retail shopping¹
1% on everything else
Annual fee
$149
Additional cardholder fee⁵
$49
Minimum income
$80,000 personal or $150,000 household
Cashback that rewards how you’re already spending
Don’t compromise on shopping or eating out, get paid for it instead.
5% on food & drink
Get 5% cashback when you dine out or order in.
3% on shopping
Get 3% cashback on retail purchases.
1% on everything else
Get 1% cashback on all other purchases.
Even more at Neo partners
Get an average of 5% cashback at thousands of Neo partners.²
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® – Shop & Dine
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Food & Drink¹
Shopping¹
Everything else¹
Earn cashback on your shopping & dining. With no annual fee.
Neo World Elite® Mastercard – Everywhere
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
Everything¹²
Earn cashback on everything. Premium insurances included.
Neo World Elite® Mastercard – Gas & Grocery
Annual fee
$149
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Grocery¹
Gas & EV charging¹
Recurring payments⁹
Everything else
Earn cashback on your everyday spending. Premium insurances 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 - Shop & Dine in minutes
Have a question?
Here’s some common questions about the Neo World Elite® Mastercard.