No minimum income required.
Compare Cards
A Neo card for every kind of Canadian
Rated 4.8/5 on the app stores
Build credit, borrow better, and get rewarded. Neo makes it easy to choose a card that fits your life—not the other way around.
Cashback
Neo Mastercard
Best for: Anyone looking to build or rebuild their credit, while earning cashback. Find out what you’re pre-approved for in seconds.
1% cashback on groceries, gas & EV charging
Instant access to virtual card
No minimum credit score required
Rewards type
Cashback
Annual Fee
$0
Purchase rate
19.99%-29.99%
Cash advance rate
22.99%-31.99%
Neo World Mastercard® – Shop & Dine
Best for: Earning cashback on your dining out, ordering in, or your shopping. Get it all without an annual fee.
2% cashback on food & drink
2% cashback on shopping
0.5% cashback on everything else
Rewards type
Cashback
Annual Fee
$0
Purchase rate
19.99 - 29.99%
Cash advance rate
22.99 - 31.99%
Get this card
Minimum $50,000 (individual) or $80,000 (household) annual income required.
Neo World Mastercard® – Gas & Grocery
Best for: Earning cashback on groceries, gas, EV charging, and recurring bill payments. Get it all without an annual fee.
2% cashback on groceries
2% cashback on gas & EV charging
2% cashback on recurring bill payments
0.5% cashback on everything else
Rewards type
Cashback
Annual Fee
$0
Purchase rate
19.99 - 29.99%
Cash advance rate
22.99 - 31.99%
Get this card
Minimum $50,000 (individual) or $80,000 (household) annual income required.
Neo World Mastercard® – Everywhere
Best for: When you want to earn cashback on every purchase without paying an annual fee.
1% on everything with no cap
Rewards type
Cashback
Annual Fee
$0
Purchase rate
19.99 - 29.99%
Cash advance rate
22.99 - 31.99%
Get this card
Minimum $50,000 (individual) or $80,000 (household) annual income required.
Travel & Premium
Neo World Elite® Mastercard – Shop & Dine
Earning with a premium credit card that rewards you on dining out, ordering in, and shopping. Plus comprehensive travel benefits.
5% cashback on food & drink
3% cashback on shopping
1% cashback on everything else
Rewards type
Cashback
Annual Fee
$149
Purchase rate
19.99 - 29.99%
Cash advance rate
22.99 - 31.99%
Get this card
Minimum $80,000 (individual) or $150,000 (household) annual income required.
★
Special Offer
United® MileagePlus® Neo World Elite® Mastercard
Best for: Earning United MileagePlus miles on every purchase and enjoying premium United perks every time you fly.
1.25x miles per $1 spent on United and Star Alliance flights
1x miles per $1 on dining and grocery purchases
0.75x miles on everything else
Premium travel benefits
Get up to 25,000 welcome bonus United MileagePlus miles
Rewards type
United MileagePlus miles
Annual Fee
$89
Purchase rate
19.99 - 29.99%
Cash advance rate
22.99 - 31.99%
Get this card
Minimum $80,000 (individual) or $150,000 (household) annual income required.
★
Special Offer
Cathay World Elite® Mastercard – Powered By Neo
Best for: Earning Asia Miles on every purchase and accessing premium travel benefits when you fly with Cathay Pacific.
4x miles per $1 spent on Cathay Pacific flights
2x miles per $1 spent on purchases made in foreign currencies
1x miles per $1 spent on everything else
Premium travel benefits
Get up to 35,000 welcome bonus Asia Miles
Rewards type
Asia Miles
Annual Fee
$180
Purchase rate
19.99 - 26.99%
Cash advance rate
22.99 - 28.99%
Get this card
Minimum $80,000 (individual) or $150,000 (household) annual income required.
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Get an instant virtual card
Start spending today with a virtual card or add it to your mobile wallet.
Purchase protection
Extend the manufacturer’s warranty and get coverage for theft or damage.
Secured credit available
Choose secured credit to help build your credit score.
Add an additional cardholder
Seamlessly share your credit with a partner, family member, or anyone you trust.
Put your payments on autopilot
Skip the reminders with Auto-Pay to automatically pay your balance every month.
View and change your PIN
Manage your card entirely from the Neo app.
No credit score? No problem.
Neo offers secured credit cards that reward too.
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Simplicity that doesn’t sacrifice security
Every Neo Mastercard comes with advanced technologies to protect your privacy and help prevent unauthorized purchases.
- Real-time alerts
Get notified when your card is used so you’ll never find a surprising purchase on your statement.
- Advanced fraud monitoring
Neo uses AI to monitor for unusual activity while keeping your personal data private.
- Mastercard Zero Liability
Help protect your card from purchases that you didn’t make.
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Not sure this is your card?
Explore what you’re pre-approved for with no hard credit check.