$756 cashback with this no annual-fee card*
Additional card benefits
Extended Warranty & Purchase Protection
Your Potential Cashback2,3
Groceries, gas, recurring payments - 2%
Neo's partner
network - 5% avg⁷
Everything else - 0.5%
Total Cashback
Cashback
$40
$22
$3
$2000
$400
$600
Monthly spend
Monthly
Yearly
Annual fee | $0
Canada's fastest growing company
awarded by the Globe and Mail
4.8 ★★★★★ on App Store
10,000+ cashback partners coast to coast
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Experience the power of cashback
Automatically earn additional cashback when you spend at over 10,000 Neo partner locations.
Extends manufacturer’s warranty and provides protection for damaged or stolen items.2
Mastercard® Zero Liability
Protection from unauthorized transactions and real-time security alerts to keep your account safe.
Instant access to your virtual card
Protection from unauthorized transactions and real-time security alerts to keep your account safe.
Neo World Mastercard® at a glance
Annual Fee
Income Eligibility | $50,000 (personal) or $80,000 (household)
Purchase Interest
$0
19.99% - 29.99%4
EN / FR
Get 2% cashback on groceries, gas, and recurring payments²,³
Earn unlimited, instant cashback that doesn't expire
Access virtual card immediately upon approval
Frequently Asked Questions
How do I know if I am eligible for the Neo World Mastercard?
Eligibility for this card requires a minimum annual income: personal: $50,000; or household: $80,000.
What is the credit limit?
The credit limit is up to $20,000 on approval. For a Secured Neo World Mastercard, a minimum deposit of $200 is required, with a maximum credit limit of $10,000.
Do I have to pay fees?
There is no annual fee for the Neo World 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 Mastercard?
Yes – you can enjoy all the additional benefits of the Neo World Mastercard including boosted cashback, as long as it has been more than 12 months since you applied for your other Neo card.
Does Neo World Mastercard offer supplemental cards?
Currently, Neo World 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 Mastercard® is 19.99% - 29.99%.
In Newfoundland and Quebec, the Purchase Credit Rate on the Neo World Mastercard® is 19.99% - 23.99%.
The cash advance interest rate is 22.99% - 31.99%⁴
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.
* Based on $36,000 annual spend.
2 Cashback earn subject to monthly spend limit. When monthly spend limit is reached, subsequent spending earns 0.5%. Spend limit resets monthly. For more information, visit the Neo app.
3 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 Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions.
⁴ For Quebec: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-24.99%).
5 Based on $36,000 annual spend
* As awarded by Made in CA on February 5, 2025.
The Neo Everyday account is provided by Peoples Bank of Canada.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
EN / FR
Worldwide acceptance and convenience.
Accepted anywhere Mastercard® is.
NEO WORLD MASTERCARD®
Access your virtual card as soon as you're approved so you can start getting rewarded today.
Access your virtual card as soon as you're approved so you can start getting rewarded today.