- Get up to $600 in first-year value*
- Gas & Grocery: Get up to $600
- Shop & Dine: $330
- Everywhere: $300
- 2% cashback on groceries, gas, recurring payments, and 0.5% cashback on everything else
- Up to 15% boosted cashback at thousands of partners across Canada – on top of base cashback rates
- Unlimited, instant cashback
- Instant approvals and access to virtual card to start using right away
- Cashback redeemable at any time
- Minimum income: $50,000 personal or $80,000 household
- Secured option available
- Mastercard Zero Liability
- Extended Warranty
- Purchase Protection
- World Mastercard Benefits including discounting with participating partners and DragonPass airport lounge access
Annual Fee: $0
Rates:
- Purchase Rate: 19.99%–29.99%
- Cash Advance Rate: 22.99%–31.99%
- For Quebec
- Purchase Rate: 19.99%–25.24%
- Cash Advance Rate: 21.99%–25.24%
Categories: CASH BACK NO ANNUAL FEE
Min. Credit Score Range Recommended:
Good
Legal (from issuer):
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.
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: neofinancial.com/legal/plans
Cashback may be limited and varies by perks, offer, and partner. See the Neo Rewards™ Policy for additional terms and conditions.
For Quebec: Monthly statements; 21-day grace period; Minimum payment is the higher of $10 or 5% of total statement balance; Purchase rate is 19.99%–24.54% and cash advance rate is 22.99%–25.99%.
The Neo World Mastercard® is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard, World Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.