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Neo World Mastercard®
Choose the card that benefits you
Shop & Dine has options. Pick the best one for you.
Neo World Mastercard® – Shop & Dine
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
2%
Food & drink¹
2%
Shopping¹
0.5%
Everything else
Earn cashback on your shopping & dining. With no annual fee.
Neo World Elite® Mastercard – Shop & Dine
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
5%
Food & drink¹
3%
Shopping¹
1%
Everything else
Earn cashback on your shopping & dining. Premium travel insurance included.
Compare cards and find the best one for you
Pick the card that fits your life.
Cashback on everything
1%
2%
Partner Cashback
Up to 15%
Up to 15%
Annual Fee
$0
$149
Additional Cards⁵
$10
$49
Mastercard Zero Liability³
Extended Warranty & Purchase Protection⁶
Mastercard Benefits
Trip Interruption & Cancellation⁶
Auto Rental Collision/Loss Damage Insurance⁶
Emergency Medical Coverage⁶
Income Requirements
$50,000 personal or $80,000 household
$80,000 personal or $150,000 household
Purchase Rate⁴
19.99% – 29.99%
19.99% – 29.99%
Cash Advance Rate⁴
22.99% – 31.99%
22.99% – 31.99%
Neo World Mastercard®
Neo World Elite® Mastercard
Cashback on everything
1%
2%
Partner Cashback
Up to 15%
Up to 15%
Annual Fee
$0
$149
Additional Cards⁵
$10
$49
Mastercard Zero Liability³
Extended Warranty & Purchase Protection⁶
Mastercard Benefits
Trip Interruption & Cancellation⁶
Auto Rental Collision/Loss Damage Insurance⁶
Emergency Medical Coverage⁶
Income Requirements
$50,000 personal or $80,000 household
$80,000 personal or $150,000 household
Purchase Rate⁴
19.99% – 29.99%
19.99% – 29.99%
Cash Advance Rate⁴
22.99% – 31.99%
22.99% – 31.99%
Special features
Benefits with serious range. Get more from every Neo credit card.
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Instant card access
No more waiting. Get your digital card instantly upon approval.
Additional cashback offers
Shop at over 10,000 partners across Canada to earn additional, instant cashback.
More from Mastercard
Access exclusive Mastercard offers from partners like H&R Block, FlexiRoam, Fubo & more.
Schedule payments
Remove stress and never miss a monthly payment with auto-pay.
Financial insights
Get a live, personalized view of your spending to track in real time.
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 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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Interested in other options?
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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.
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Everywhere
Earn cashback everywhere you spend. A flexible card that rewards every purchase, no matter the category.
Rated 4.8/5 on the app stores
1.3+ million Canadians trust Neo
See how everyday effort turns into real progress
Have a question?
Here’s some common questions about Neo Shop & Dine credit cards.