Neo World Mastercard®

Up to 2% Cashback.

Three cashback credit cards for how you actually spend. Instant access, no annual fee and up to 15%² additional cashback at thousands of partners.

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Rated 4.8/5 on the app stores
neo world mastercard

THREE choices. All cashback.

Annual Fee: $0 | Personal Income: $50k | Household Income: $80k

Neo World Mastercard® - Gas & Grocery

card
2%

Grocery¹

2%

Gas & EV charging¹

2%

Recurring payments⁹

0.5%

Everything else

Earn cashback on your everyday spending. With no annual fee.

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Neo World Mastercard® – Shop & Dine

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2%

Food & Drink¹

2%

Shopping¹

0.5%

Everything else

Earn cashback on your shopping & dining. With no annual fee.

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Neo World Mastercard® – Everywhere

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1%

Everything

Earn cashback everywhere. With no annual fee.

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Special features

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

Everywhere

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.²

Costco® exclusive

Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.

Financial insights

Take a bird’s eye view of your finances with a live, personalized view of your spending.

More from Mastercard

Access exclusive Mastercard offers from partners like H&R Block, FlexiRoam, Fubo & more.

Schedule payments

Focus on what matters and never miss a monthly payment with auto-pay.

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

Earn cashback, no credit score required.

If you're starting out or rebuilding credit, every Neo credit card comes with a secured option, so you never have to sacrifice rewards to get there. 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.

everywhere

Security you can depend on

Advanced safety technologies working together with one simple goal: Keeping you secure and protected.

  • Advanced fraud monitoring

    Neo uses AI to monitor for unusual activity while keeping your personal data private.

  • Stay in control

    Freeze your card, view and change your pin, and dispute transactions, all from your phone.

  • Mastercard Zero Liability³

    Help protect your card from purchases you didn’t make.

everywhere

HAVE A QUESTION?

Here's some common questions about Neo credit cards.