Neo Financial Credit Card Applications

Neo World Elite^® Mastercard – Gas & Grocery

Apply for Neo World Elite<sup>®</sup> Mastercard – Gas & Grocery - Credit-Land.com

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Excellent/Good Credit

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Rating 4.1

5% cashback on grocery, 4% cashback on recurring payments, 3% cashback on gas and electric vehicle charging, and 1% everywhere else.³⁴⁶
Estimated cashback value of $1,800/yr.³⁴⁷
Additional Mastercard World Elite^® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances.³⁴⁸
Access 1,300+ airport lounges worldwide with DragonPass.³⁴⁹
Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates⁴¹³
Annual fee: $149 (First-year fee waived).
Income requirement: $80,000 (individual) or $150,000 (household).
Secured feature available to build credit history.
Additional Card: $49/year.

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Great Rewards

Rewards:

5% cashback on grocery, 4% cashback on recurring payments, 3% cashback on gas and electric vehicle charging, and 1% everywhere else.³⁴⁶
Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates⁴¹³

Up to

15%

Cash Back

Max. Rewards:

Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates⁴¹³

Rewards on everyday purchases:

1% cashback on everything else

Redemption Options:

Use earned cashback instantly anywhere.

World Elite Mastercard Benefits

Travel Benefits:

Additional Mastercard World Elite^® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances.³⁴⁸

Lounge Access:

Access 1,300+ airport lounges worldwide with DragonPass.³⁴⁹

Purchase Protection:

Additional Mastercard World Elite^® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances.³⁴⁸

Neo World Elite® Mastercard – Shop & Dine

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Excellent/Good Credit

our choice

Rating 4.1

Earn 5% cashback on food & drink (up to $1,000/mo)⁵⁰⁴, 3% cashback on retail shopping (up to $1,000/mo)⁵⁰⁴, and 1% on everything else (unlimited).
Additional Mastercard World Elite® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances³⁴⁸.
Access 1,300+ airport lounges worldwide with Mastercard Travel Pass (DragonPass)³⁴⁹.
Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates⁵¹².
Annual fee: $149.
Income requirement: $80,000 (individual) or $150,000 (household).
Secured feature available to build credit history.
Additional Card: $49/year.

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Great Rewards

Rewards:

Earn 5% cashback on food & drink (up to $1,000/mo)⁵⁰⁴, 3% cashback on retail shopping (up to $1,000/mo)⁵⁰⁴, and 1% on everything else (unlimited).
Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates⁵¹².

World Elite Mastercard Benefits

Travel Benefits:

Additional Mastercard World Elite® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances³⁴⁸.

Lounge Access:

Access 1,300+ airport lounges worldwide with Mastercard Travel Pass (DragonPass)³⁴⁹.

Purchase Protection:

Additional Mastercard World Elite® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances³⁴⁸.

Access to

1,300+

Lounges

Lounge Access:

Access 1,300+ airport lounges worldwide with Mastercard Travel Pass (DragonPass)³⁴⁹.

Neo World Elite® Mastercard – Everywhere

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Excellent/Good Credit

our choice

Rating 4.1

Earn 2% cashback on all purchases (up to $4,000/mo)⁵¹¹, and 1% on everything else (unlimited) thereafter.
Additional Mastercard World Elite® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances³⁴⁸.
Access 1,300+ airport lounges worldwide with Mastercard Travel Pass (DragonPass)³⁴⁹.
Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates⁵¹².
Annual fee: $149.
Income requirement: $80,000 (individual) or $150,000 (household).
Secured feature available to build credit history.
Additional Card: $49/year.

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Great Rewards

Rewards:

2% cashback on all purchases (up to $4,000/mo)⁵¹¹
1% on everything else (unlimited)
Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates⁵¹².

Access to

1,300+

Lounges

Lounge Access:

Access 1,300+ airport lounges worldwide with Mastercard Travel Pass (DragonPass)³⁴⁹.

World Elite Mastercard Benefits

Travel Benefits:

Additional Mastercard World Elite® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances³⁴⁸.

Lounge Access:

Access 1,300+ airport lounges worldwide with Mastercard Travel Pass (DragonPass)³⁴⁹.

Purchase Protection:

Additional Mastercard World Elite® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances³⁴⁸.

Neo World^® Mastercard – Gas & Grocery

Apply for Neo World<sup>®</sup> Mastercard – Gas & Grocery - Credit-Land.com

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Excellent/Good/Fair Credit

our choice

Rating 4.2

Get up to $600 in first-year value.
2% cashback on groceries, gas, recurring payments, and 0.5% cashback on everything else.³⁴⁶
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 anytime.

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Up to

15%

Cash Back

Max. Rewards:

Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates.

Rewards on everyday purchases:

0.5% cashback on everything else

Redemption Options:

Use earned cashback instantly anywhere.

Up to

$20,000

Credit Limit

Security Deposit:

Credit Line:

Up to $20,000 on approval

Credit Line Increase:

Yes

Annual Fee

Annual Fee:

Foreign Transaction Fee:

See terms

Late Payment Fee:

See terms

United® MileagePlus® Neo World Elite® Mastercard

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APPLY NOW

Excellent/Good Credit

our choice

Rating 4.4

Earn up to 25,000 MileagePlus miles with 5,000 miles on card activation, plus an additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application.⁴⁴⁶
Earn 1.25 miles per $1 on United & Star Alliance flights, 1 mile per $1 on dining & groceries, 0.75 miles per $1 everywhere else. Bonus miles through Neo's merchant 10K+ partner network.
Renewal Bonus: 5,000 miles per year when account remains open and active within 365 days. No minimum spend required — the card just needs to be active with one purchase.
Free first checked bag: On United-operated flights.
Priority boarding: Group 2 on United flights for primary cardholder and travel companions.
Nexus fee credit: Up to $120 USD every 5 years.
Earn and redeem MileagePlus miles across United Airlines and 25+ Star Alliance partner airlines worldwide, including Air Canada, Lufthansa, and more.
Save at least 10% on every United award flight. Premier members with a United card save at least 15%.
Access to additional Saver Award seat inventory in United Polaris Business Class — availability not open to non-cardholders.
Earn more miles on standard United tickets, with additional miles stacked on top when you pay with the card.
Secured card option available (with security funds).
Annual fee: $89.
Minimum income: $80,000 individual or $150,000 household.
Miles don’t expire.

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Great Reward Bonus

Bonus Offer:

Earn up to 25,000 MileagePlus miles with 5,000 miles on card activation, plus an additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application.⁴⁴⁶

Max. Rewards:

Earn 1.25 miles per $1 on United & Star Alliance flights

Rewards expiration:

Miles don’t expire.

Earn More
on Your

Daily Spending

Max. Rewards:

Earn 1.25 miles per $1 on United & Star Alliance flights

Rewards on everyday purchases:

0.75 miles per $1 everywhere else

Rewards expiration:

Miles don’t expire.

$89

Annual Fee

Annual Fee:

$89

Foreign Transaction Fee:

See terms

Late Payment Fee:

See terms

Neo Mastercard

Compare

APPLY NOW

Excellent/Good/Fair Credit

our choice

Rating 4.2

Guaranteed, instant approval⁴¹⁵ with access to your virtual card to start using immediately.
You can be eligible for higher credit limits in as little as 3 months.
Up to 15% boosted cashback at thousands of partners across Canada.
Instant virtual card to start spending before your physical card arrives.
Security at your fingertips – Freeze or unfreeze your card anytime and get real-time alerts on all spending.
Auto-Pay – Set-it-and-forget-it so you never miss a payment again.
Use the Neo app to track your spending habits and gain valuable insights into your day-to-day finances.
Mastercard Zero Liability

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Up to

$10,000

Credit Limit

Security Deposit:

Credit Line:

Up to $10,000

Credit Line Increase:

Yes

Earn

15%

Cash Back

Max. Rewards:

Up to 15% boosted cashback at thousands of partners across Canada.

Annual Fee

Annual Fee:

Foreign Transaction Fee:

Late Payment Fee:

See terms

Secured Neo Mastercard

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APPLY NOW

Any Credit

our choice

Rating 4.2

Get $25 when you fund your Secured Neo Mastercard⁵⁰³
No income or credit score requirements.
Guaranteed, instant approval⁴⁰⁹ with access to your virtual card to start using immediately.
You can be eligible for higher credit limits in as little as 3 months.
Up to 15% boosted cashback at thousands of partners across Canada.
Guided credit building tools with built-in credit score tracking.
Helps build or rebuild your credit history with comprehensive, guided tools.
Start with a $50–$10,000 credit limit.
Be considered for a higher credit limit in as little as 3 months, with no additional security funds needed.
International IDs accepted.
Get started with refundable security funds to set your credit limit.
Track your credit score in the Neo app.
Build your credit history with reporting to both major credit bureaus: Equifax & TransUnion.

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Great Rewards

Bonus Offer:

Get $25 when you fund your Secured Neo Mastercard⁵⁰³

Rewards:

Up to 15% boosted cashback at thousands of partners across Canada.

Build Your Credit

Build Credit:

Yes

Credit Bureau Reporting:

Yes

Credit Check:

Yes

Up to

$10,000

Credit Limit

Security Deposit:

Credit Line:

Up to $10,000

Credit Line Increase:

See terms

Junior Ambassador Money Card - Powered by Neo

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Any Credit

our choice

Rating 4.7

Earn cashback at popular teen brands (restaurants, clothing, games, etc.).
Access high-interest savings accounts.
Get budgeting tools and financial literacy lessons.
Real-time transaction notifications, card freeze/unfreeze, deposit insurance, and secure app.
No monthly fees.
Eligible for youth (13 years old, or 14 years old in Quebec).³²⁶

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Great Rewards

Rewards on Everyday Purchases:

Earn cashback at popular teen brands (restaurants, clothing, games, etc.).

Mastercard

Prepaid Card

Card Network:

Mastercard

Activation Fee:

See terms

Paper Statement Fee:

See terms

Get Rewarded

with Neo Financial Card Offers

Neo offers a variety of products to address most customers' needs, from daily spending to emergency funds or building a financial profile.

To offer highly competitive products to their customers, Neo partners with the top financial institutions in the industry, including Concentra Bank, EQ Bank, Peoples Trust, Mastercard and others.

Neo Financial offers several card options with lucrative cashback. Clients can earn rewards when making purchases with partner merchants, which include both nationwide chains and local retailers and restaurants. With thousands of retailers and online partners, cardholders have many opportunities to earn cashback on their spending.

Neo cards operate on the Mastercard network and come with low fees, and no inactivity fees. You can apply for and get approved for Neo cards in a few minutes via the Neo mobile app or apply online for the products above. The process is fully digital, fast, and convenient.

questionsABOUT
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No, checking your own credit score does not lower it. When you check your credit score or request a copy of your credit report, it generally results in a soft inquiry, which does not affect your credit score. There are...

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Annual percentage rate (APR) refers to the yearly interest rate you pay if you carry a balance on your credit card. The higher your APR and the longer you carry a balance, the more you'll pay in...

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