You could win a
$500 Apple gift card* 

* Only eligible for new Neo customers approved for a Neo World Elite® Mastercard. Limited-time offer, contest ends on February 28, 2025. Prize will be in the form of a $500 Apple gift card. Open to residents of Canada, except Quebec, who are the age of majority and participate during the Contest Period. Skill-testing question required. Full rules here.

¹ Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases earn 1%. Spend limit resets monthly. Minimum balance in your Neo Everyday account required to earn the highest rate. For more information, visit the Neo app. 

² Recurring payments are payments made on a monthly or other regular basis automatically billed by the merchant to your credit card. Cashback earn on recurring payments subject to $500 monthly spend limit. When monthly spend limit is reached, earn rate for recurring payments decreases to 1% for Neo World Elite® Mastercard and 0.5% for Neo World Mastercard®. Spend limit resets monthly. Cashback not applicable to payments not considered recurring payments or to all merchants. Please check with your merchant for eligibility. Any refunds, rebates or similar credits will reduce or cancel the cashback earned on the original recurring payment. For more information, visit the Neo app. 

³ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice. 

⁴ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in each Certificate of Insurance, and for Quebec residents, each Product Summary. Travel insurances unavailable for Quebec residents. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://www.neofinancial.com/legal/plans

⁵ For Quebec and Newfoundland: Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%). 

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

The Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. 

Additional card benefits⁴

Extended Warranty & Purchase Protection

Extends manufacturer’s warranty and provides protection for damaged or stolen items.

Auto Rental Collision Loss Damage

Comprehensive Travel Insurance & Emergency Medical

Coverage for damages or theft in rental vehicles, providing additional financial protection for renters.

Neo World Elite^® Mastercard at a glance

Frequently Asked Questions

How do I know if I am eligible for the Neo World Elite® Mastercard?

Eligibility for this card requires a minimum annual income of personal: $80,000; or household: $150,000.

What is the credit limit?

The credit limit is up to $30,000 on approval. For a Secured Neo World Elite^® Mastercard, a minimum deposit of $200 is required, with a maximum credit limit of $10,000.

Do I have to pay fees?

There is an annual fee of $125 for the Neo World Elite^® Mastercard.

How do cashback rewards work?  

You earn instant cashback on your purchases, with the opportunity to earn even more cashback with select partner brands. The cashback you earn is instantly available for you in your wallet, to use however and whenever you’d like. 

If I already have a Neo Mastercard®, can I still get a Neo World Elite® Mastercard?  

Yes – you can enjoy all the additional benefits of the Neo World Elite® Mastercard including boosted cashback at your favorite brands by applying for this card directly in the Neo app. 

You could win a
$500 Apple gift card* 

Apply for the Neo World Elite^® Mastercard

Out of province or country emergency medical, delayed and lost baggage, flight delay, trip cancellation/interruption, and more!

Does Neo World Elite® offer supplemental cards?  

Currently, Neo World Elite® Mastercard does not offer supplemental cards. It is something we are working on! 

What’s the purchase rate and APR?

The Purchase Credit Rate on the Neo World Elite® Mastercard is 19.99% - 26.99%. 

The cash advance interest is 22.99% - 28.99%⁵   

In Newfoundland and Quebec, the Purchase Credit Rate on the Neo World Elite® Mastercard is 19.99% - 23.99%. 

The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Agreement and Disclosure Statement at time of application for your specific rate. 

Get automatically entered to win when you’re approved 

Hurry — Contest closes on February 28, 2025

Neo World Elite^® Mastercard at a glance

LIMITED-TIME OFFER

Annual Fee   |   $125 

Income Eligibility: Individual | Household 

$80,000 | $150,000 

Purchase Interest   |   19.99% - 26.99%⁵