Neo World Elite Mastercard®

Get up to $1,400 in first-year value*

Premium cashback¹: Choose from three rewards cards designed for how you spend

Gas & Grocery: 5% on groceries¹, 3% on gas & EV charging¹, 4% recurring payments⁹
Shop & Dine: 5% on food & drink¹, 3% on shopping¹
Everywhere: 2% cashback everywhere

Choose your card

Up to 15% cashback at thousands of Neo Partners - on top of base cashback rates²
World Elite Mastercard Benefits including discounting with participating partners and DragonPass airport lounge access.¹¹
See if you qualify first—no hard credit check, no impact to your credit score†

Annual Fee

$149

Minimum Income

80k

Purchase interest

19.99% - 29.99%

Your Cashback Card, Your Way

Annual Fee: $149 | Personal Income: $80k | Household Income: $150k

Neo World Elite Mastercard® - Gas & Grocery

Grocery¹

Gas & EV charging¹

Recurring payments⁹

Everything else

Get up to $1,400 value in your first year*

Earn cashback on your everyday spending. Premium insurances included.⁶

Get this card

Neo World Elite Mastercard® - Shop & Dine

Food & Drink¹

Shopping¹

Everything else

Get up to $1,200 value in your first year*

Earn cashback on your shopping & dining. Premium travel insurance included.⁶

Get this card

Neo World Elite Mastercard® - Everywhere

2%¹²

Everywhere

Get up to $800 value in your first year*

Earn cashback everywhere.

Get this card

Find the right Neo card for you with no hard credit check

You may have more options than you think. See what’s available to you first‡.

Start with your details

Even if you began on a specific Neo credit card page, the information you provide may show that other Neo credit cards are available to you.

Review your options

We’ll show you Neo credit cards you may be eligible for based on the details you provide. This is a pre-qualification step only—it is not an application and will not impact your credit score.

Choose and apply

Select the card that best suits you. A hard credit check and formal terms and conditions apply only if you choose to continue with an application.

Need cashback, not the annual fee? Compare our no-fee cashback cards.

Special features

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

Instant card access

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

Additional cashback offers

Shop at thousands of Neo 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.

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.

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.