Everywhere

Up to 2% Cashback everywhere.

Your spending habits don't fit in a box. Your credit card shouldn't either. Earn up to 2% cashback¹², everywhere. Take advantage of options with travel insurance, no annual fees and more.

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Rated 4.8/5 on the app stores
Everywhere

Choose the card that benefits you

Everywhere has options. Pick the best one for you.

Neo World Elite® Mastercard – Everywhere

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Annual fee

$149

Personal minimum income

$80,000/year

Household minimum income

$150,000/year

2%

Everything¹²

Earn cashback everywhere. Premium travel insurance included.

Get this card

Neo World Mastercard® – Everywhere

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Annual fee

$0

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

1%

Everything

Earn cashback everywhere. With no annual fee.

Get this card

Want 5% on groceries, shopping or dining? Explore more options

Compare cards and find the best one for you

Pick the card that fits your life.

Neo World Elite® Mastercard

Everywhere

Neo World Mastercard®

Everywhere

Cashback on everything

2%¹²

1%

Partner Cashback²

Up to 15%

Up to 15%

Annual Fee

$149

$0

Additional Cards⁵

$49

$0

Mastercard Zero Liability³

Extended Warranty & Purchase Protection⁶

Mastercard Benefits

DragonPass Lounge Access¹¹

Flight Delay⁶

–

Trip Interruption & Cancellation⁶

–

Hotel/Motel Burglary⁶

–

Comprehensive Travel Insurance⁶

–

Auto Rental Collision/Loss Damage Insurance⁶

–

Emergency Medical Coverage⁶

–

Income Requirements

$80,000 personal or $150,000 household

$50,000 personal or $80,000 household

Available with secured credit

Purchase Rate⁴

19.99%–29.99%

19.99%–29.99%

Cash Advance Rate⁴

22.99%–31.99%

22.99%–31.99%

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Special features

Benefits with serious range. Get more from your credit card.

Everywhere

Instant virtual card access

No more waiting. Get your digital card instantly upon approval.

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 credit card with a secured credit limit. Secured credit is one of the simplest ways to build or rebuild your credit.⁸

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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Everywhere

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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Everywhere

Interested in other options?

Check out Neo’s other cashback credit cards to fit the card with how you spend.

Everywhere

Gas & Grocery

Everyday shopping can be repetitive, but when it comes to cashback, repetition is good. Get up to 5% on groceries and 3% on gas.

Learn more
Everywhere

Shop & Dine

If you’re not strutting the mall you’re sitting down for a nice meal. Earn up to 5% back on food & drink and 3% on shopping.

Learn more

Rated 4.8/5 on the app stores

1.3+ million Canadians trust Neo

See how everyday effort turns into real progress

I’ve worked very hard to strengthen my credit history. Thank you Neo for giving me an opportunity to build.

Ryan Haughian

With Neo’s secured card, I’m learning to build my credit responsibly. It’s helping me grow my confidence with credit.

Garry Murphy

It’s helped me rebuild my credit, and I am ecstatic about it!

Eleanor Pye

I’ve had a great experience using Neo, especially with their high-yield savings account. The app is extremely user-friendly and intuitive. I really appreciate the lack of withdrawal fees and the competitive interest rates, which make it easy to grow my savings.

Romina

Extremely easy to set up an account. Neo even pays interest for deposit transfers that are pending!

Dean

Have a question?

Here’s some common questions about the Neo Mastercard.

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