Neo World Elite Mastercard® – Everywhere

Get over $800 in

first-year value*

Get your first-year annual fee waived and earn $100 when you spend $1,500 in your first 3 months.

Exclusive Partner Offer

Get first-year annual fee waived ($149 value)
Earn $100 in your first 3 months

Apply now Log in

2% cashback everywhere¹²
See if you qualify first—no hard credit check, no impact to your credit score†
World Elite Mastercard Benefits including discounting with participating partners and DragonPass airport lounge access.¹¹

Annual Fee

$̶1̶4̶9̶ $0

Minimum Income

80k personal or 150k household

Purchase interest

19.99% - 29.99%

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

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.

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 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.

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 fund¹³ and start building your credit history.

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.