Neo memberships

Smarter credit. Better tools. Accelerated progress.

Neo is built to meet you where you are. Memberships can get you more: higher credit limits, stronger tools, and rates that help you reach your next milestone

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Memberships

Find the best membership for you

Start with the membership that fits what you're working towards. Upgrade anytime to get more.

Memberships

Essentials

All you need to start streamlining your everyday finances and keep track of your money.

Memberships

Build

Powerful tools to build your credit history, accelerate your progress, and help maximize your limit.

Memberships

Grow

Maximize your credit limits, grow your savings with top rates, and manage your money with zero hassle and minimum fees.

Here’s what you get with every membership

Get the features and rates that match your financial goals.

Essentials

Free

Build

$0-9.99 / month

Grow

$14.99 / month

Neo Savings rate¹

2%

2.5%

2.75%

Neo Advance (coming soon)

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No FX fees⁶

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Premium support

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Credit score monitoring²

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Credit builder tool³

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Secured credit limit⁴

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Neo Money ATM fee reimbursement⁵

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Insights and spend tracking

Free everyday transactions

Your World Elite card comes with more

  • Get the Build membership included at no extra cost when you have the Neo World Elite® Mastercard, United World Elite® Mastercard, or Cathay World Elite® Mastercard.

Memberships

Take control of your financial future today

Get a membership when you get a Neo product. You can switch or upgrade your membership as your goals change.

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