Neo World Mastercard® – Shop & Dine
Earn 2% cashback on dining out, ordering in or shopping, with no annual fee.
2% cashback on food & drink¹
2% cashback on retail shopping¹
0.5% cashback on everything else
Annual fee
$0
Additional cardholder fee⁵
$0
Minimum income
$50,000 personal or $80,000 household
2% cashback on food & drink¹
2% cashback on retail shopping¹
0.5% cashback on everything else
Annual fee
$0
Additional cardholder fee⁵
$0
Minimum income
$50,000 personal or $80,000 household
Cashback that rewards how you’re already spending
Don’t compromise on shopping or eating out, get paid for it instead.
2% on food & drink
Get 2% cashback every time you dine out or order in.
2% on shopping
Get 2% cashback on retail purchases.
0.5% on everything else
Get 0.5% cashback on all other purchases.
$0 annual fee
No monthly or annual fee. Just unlimited cashback.
Special features
Benefits with serious range. Get more from your credit card.
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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
Grocery¹
Gas & EV charging¹
Recurring payments⁹
Everything else¹
Earn cashback on your everyday essentials. With no annual fee.
Neo World Mastercard® – Everywhere
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Everything¹
Earn unlimited 1% cashback on everything. With no annual fee.
Neo World Elite® Mastercard – Shop & Dine
Annual fee
$125
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 Mastercard® - Shop & Dine in minutes
Have a question?
Here’s some common questions about the Neo World Mastercard®.