Neo Financial
Neo World Mastercard
Pick the cashback plan that matches how you actually spend and earn 2% where it counts, with no annual fee and credit limits up to $20,000. Get an instant virtual card, real-time alerts and Mastercard Zero Liability protection.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
19.99%-29.99% (purchases; 19.99%-23.99% in Quebec and Newfoundland)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- Choose a plan: Gas & Grocery 2% on gas/EV charging, groceries and recurring payments ($1,000/mo cap per category, $500/mo on recurring)
- Shop & Dine 2% on retail shopping and food/drink ($500/mo cap per category)
- or Everywhere 1% on everything. 0.5% on all non-bonus spend
- plus instant cashback at 10,000+ Neo partners
- purchase protection and extended warranty (Chubb)
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 |
| Purchase APR | 19.99%-29.99% (purchases; 19.99%-23.99% in Quebec and Newfoundland) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 22.99%-31.99% |
| Balance transfer fee | No BT offer |
| Cash advance | Cash advance APR 22.99%-31.99%; flat per-advance fee not publicly disclosed (see Neo Disclosure Statement, Rate & Fee Schedule) |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Mastercard (World) |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.