Everywhere

Neo World Mastercard® – Everywhere

Earn unlimited 1% cashback. Everywhere you spend.

everywhere

  • 1% cashback on every purchase

  • 5% average cashback with Neo partners²

  • $0 annual fee

Annual fee

$0

Additional cardholder fee⁵

$0

Minimum income

$50,000 personal or $80,000 household

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Cashback that rewards how you’re already spending

A card that rewards you, no matter where you spend.

1% on everything

Get 1% cashback on every purchase.

Unlimited cashback

Earn everywhere with no monthly limit.

More at Neo partners

Get an average of 5% cashback at thousands of Neo partners.²

$0 annual fee

No monthly or annual fee. Just unlimited cashback.

Special features

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

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Instant virtual card access

Start spending and earning right after approval with instant access to your digital card.

Schedule payments

Remove stress and never miss a monthly payment with auto-pay.

Additional cashback offers

Shop at over 10,000 partners across Canada to earn additional, instant cashback.²

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.

Earn cashback, no credit score required.

If you’re starting out or rebuilding credit, you may receive an offer for a Neo World Mastercard® with a secured credit limit. Secured credit is one of the simplest ways to build or rebuild your credit⁸.

Guaranteed approval¹⁰, regardless of your credit score. Set your limit with a refundable security fund and start building your credit score from day one.

Apply now
everywhere

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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everywhere

Check out other Neo cashback credit cards

Neo World Mastercard® – Gas & Grocery

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Annual fee

$0

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

2%

Groceries¹

2%

Gas & EV charging¹

2%

Recurring payments¹

0.5%

Everything else

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

Get this card

Neo World Mastercard® – Shop & Dine

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Annual fee

$0

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

2%

Food & Drink¹

2%

Shopping¹

0.5%

Everything else¹

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

Get this card

Neo World Elite® Mastercard – Everywhere

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Annual fee

$149

Personal minimum income

$80,000/year

Household minimum income

$150,000/year

2%¹¹

Everything

Earn 2% cashback¹¹ on everything, no matter how you spend.

Get this card

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

Get the Neo World Mastercard® – Everywhere in minutes

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everywhere

Have a question?

Here’s some common questions about the Neo World Mastercard®.

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