No annual fee in the first year & earn $100
Neo World Elite Mastercard®
Up to 5% Cashback.¹
Three cashback cards for how you you actually spend.
Exclusive Offer
Up to 5% cashback¹ on top categories, including dining
Up to 15%² cashback at thousands of partners
Instant cashback
Annual Fee
$̶1̶4̶9̶ $0
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
5%
Grocery¹
3%
Gas & EV charging¹
4%
Recurring payments⁹
1%
Everything else
Earn cashback on your everyday spending. Premium insurances included.
Neo World Elite Mastercard® - Shop & Dine
5%
Food & Drink¹
3%
Shopping¹
1%
Everything else
Earn cashback on your shopping & dining. Premium travel insurance included.
Neo World Elite Mastercard® - Everywhere
Need cashback, not the annual fee? Compare our no-fee cashback cards.
Special features
Benefits with serious range. Get more from your credit card.
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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.
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.
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Need cashback, not the annual fee?
Compare our no-fee cashback cards and find the one that fits your spending habits.
Neo World Mastercard® - Gas & Grocery
2%
Grocery¹
2%
Gas & EV charging¹
2%
Recurring payments⁹
0.5%
Everything else
Earn cashback on your everyday spending. With no annual fee.
Neo World Mastercard® – Shop & Dine
2%
Food & Drink¹
2%
Shopping¹
0.5%
Everything else
Earn cashback on your shopping & dining. With no annual fee.
Neo World Mastercard® – Everywhere
HAVE A QUESTION?
Here's some common questions about Neo credit cards.