Get over $1,400 in
first-year value*
Earn 5% cashback on groceries, 4% on recurring bill payments, and 3% on gas.
5% cashback on groceries¹
4% cashback on recurring bill payments¹
3% cashback on Gas & EV charging¹
1% on everything else.
Annual fee
$149
Additional cardholder fee⁵
$49
Minimum income
$80,000 personal or $150,000 household
Cashback that rewards how you’re already spending
Gas, groceries and recurring fees are a part of life. Make cashback a part of it, too.
5% on groceries
Get 5% cashback when you stock up on groceries.
4% on recurring bill payments
Get 4% cashback on your phone bill, streaming services, and more.
3% on gas
Get 3% cashback when you fill up the tank or charge the battery.
1% on everything else
Get 1% cashback on all other purchases.
Special features
Benefits with serious range. Get more from your credit card.
Travel benefits
Premium travel benefits like DragonPass for worldwide lounge access.¹¹
Schedule payments
Remove stress and never miss a monthly payment with auto-pay.
Comprehensive insurances⁶
Includes emergency medical, auto rental collision, baggage delay, trip interruption, & more.
Financial insights
Get a live, personalized view of your spending to track in real time.
More Mastercard benefits
Access exclusive Mastercard offers from partners like H&R Block, FlexiRoam, Fubo & more.
Costco® exclusive
Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.
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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Check out other Neo cashback credit cards
Neo World Mastercard® – Gas & Grocery
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Groceries¹
Gas & EV charging¹
Recurring payments¹
Everything else
Earn cashback on your everyday essentials. With no annual fee.
Neo World Elite® Mastercard – Everywhere
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
Everything
Earn 2% cashback on everything, no matter how you spend.
Neo World Elite® Mastercard – Shop & Dine
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
Food & Drink¹
Shopping¹
Everything else
Earn cashback on your shopping & dining with this premium cashback card.
Have a question?
Here’s some common questions about the Neo World Elite® Mastercard.