Neo World Mastercard® – Everywhere
Earn unlimited 1% cashback. Everywhere you spend.
1% cashback on every purchase
5% average cashback with Neo partners²
$0 annual fee
Annual fee
$0
Additional cardholder fee⁵
$0
Minimum income
$50,000 personal or $80,000 household
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1% cashback on every purchase
5% average cashback with Neo partners²
$0 annual fee
Annual fee
$0
Additional cardholder fee⁵
$0
Minimum income
$50,000 personal or $80,000 household
Cashback that rewards how you’re already spending
A card that rewards you, no matter where you spend.
1% on everything
Get 1% cashback on every purchase.
Unlimited cashback
Earn everywhere with no monthly limit.
More at Neo partners
Get an average of 5% cashback at thousands of Neo partners.²
$0 annual fee
No monthly or annual fee. Just unlimited cashback.
Special features
Benefits with serious range. Get more from your credit card.
Instant virtual card access
Start spending and earning right after approval with instant access to your digital card.
Schedule payments
Remove stress 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
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 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® – Gas & Grocery
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Groceries¹
Gas & EV charging¹
Recurring payments¹
Everything else
Earn cashback on your everyday essentials. With no annual fee.
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
Everything
Earn 2% cashback¹¹ on everything, no matter how you spend.
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 Mastercard® – Everywhere in minutes
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Have a question?
Here’s some common questions about the Neo World Mastercard®.