9 Best Neo Credit Cards in Canada for October 2026
Published Jul 16, 2026 8:29 AM • 6 min read
Neo Financial offers some of the best credit cards in Canada for cashback, Cathay Pacific travel, and credit building. Uncover this institution's leading contenders in this comprehensive breakdown.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Our choice for: Best Overall
on Neo Financial's website
Finly Special Offer
Welcome Bonus
$0 First-Year Annual Fee and $100 Welcome Bonus
Annual Fee
$149 $0
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
4.6/5
This card offers some of the highest cash back rates in Canada for gas, groceries, and recurring purchases, which is pretty hard to beat. While the cash back rates are very high, you need to mind the spend caps set for each category to see if your earning potential is really that high compared to most other credit cards. However, if you're the average person whose spending is generally below $12k per year in groceries, $6k per year in recurring bills and $12k per year in gas, then you'll be doing pretty well, especially with the great insurance and benefit offers.
Awards & Recognition
Best Cash Back Credit Card
2026
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Spending caps
- Annual fee
Rewards
- 5% cash back on grocery purchases up to $1,000 spending per month
- 4% cash back on recurring purchases up to $500 spending per month
- 3% cash back on gas purchases up to $1,000 spending per month
- 1% cash back on all other purchases with no spending caps
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to $1,000,000
Trip Cancellation
$1,000
Trip Interruption
$1,000
Flight Delay
$500Baggage Delay
$1,000
Hotel Burglary Insurance
$1,000
Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent Child.svg)
Car Rental Damage & Theft
Yes.svg)
Car Rental Personal Effects
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Lost or Stolen Baggage
$1,000
Mastercard Zero Liability Protection
Yes
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
No Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)
World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Secured Card
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$119.88
$9.99 Paid Monthly
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%□
RECOMMENDED CREDIT SCORE
4.8/5
Most secured cards give you very low to no rewards for using your card as you build your score over time. This card, however, offers balanced rewards for everyday purchases. This is a fantastic card to help build your score while you also get to earn solid cash back rates.
Pros
- Instant approval and access
- Credit building tools
- Booster partner cashback
- No credit score requirements
Cons
- Basic insurance coverage
- Spending caps
Rewards
- 2% cash back on grocery purchases up to $1,000 spending per month
- 2% cash back on gas purchases up to $1,000 spending per month
- 2% cash back on recurring purchases up to $500 spending per month
- 0.5% cash back on all other purchases
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMastercard Zero Liability Protection
Yes
Benefits
Details
World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
PoorAnnual Income
$50,000 personal or $80,000 household
Our choice for: Best for Dining
on Neo Financial's website
Finly Special Offer
Welcome Bonus
$0 First-Year Annual Fee and $100 Welcome Bonus
Annual Fee
$149 $0
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
4.6/5
This card offers some of the highest cash back rates in Canada on dining, takeout, and retail shopping. Cardholders can also boost these earn categories and more when shopping at thousands of Neo Partners. These reward opportunities are accompanied by comprehensive travel insurance and benefits, making it a well-balanced premium contender.
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Annual fee
Rewards
Earn 5% every time you dine out or order in, and 3% on retail shopping — the card built for how you actually enjoy spending.
Expect:
- 5% cash back on food & drink up to $1000 spending per month
- 3% cash back on shopping up to $1000 spending per month
- 1% cash back on everything else
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Eligible Cash Back Categories Explained:
- Food & drink: Fast food, restaurants, bars, cocktail lounges, nightclubs, caterers
- Shopping: Apparel, footwear, electronics, hardware, home & garden, sporting goods, cosmetics, pets, jewellery, and more
- Amazon and wholesale purchases are not eligible for the shopping cashback rate
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to $1,000,000Trip Cancellation
$1,000Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Hotel Burglary Insurance
$1,000Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
YesCar Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 yearLost or Stolen Baggage
$1,000Mastercard Zero Liability Protection
Yes
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visitNo Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
FairAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Flat Rate
on Neo Financial's website
Finly Special Offer
Welcome Bonus
$0 First-Year Annual Fee and $100 Welcome Bonus
Annual Fee
$149 $0
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
4.6/5
This card was designed for spenders who value reward simplicity alongside comprehensive travel coverage and premium perks. If you ever want to up your earnings, you can also purchase from thousands of partners to receive up to 15% in cash back.
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Annual fee
Rewards
- 2% cash back up to $4000 spending per month then 1% (unlimited) on everything else
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to $1,000,000Trip Cancellation
$1,000Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Hotel Burglary Insurance
$1,000Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
YesCar Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 yearLost or Stolen Baggage
$1,000Mastercard Zero Liability Protection
Yes
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visitNo Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Cathay Pacific Travel
on Neo Financial's website
Welcome Bonus
Up to 35,000 Asia Miles
Annual Fee
$180
Interest Rates
19.99% - 26.99%* / 22.99% - 28.99%*
RECOMMENDED CREDIT SCORE
4.2/5
The Cathay World Elite Mastercard is a top choice for frequent travelers to Asia, offering up to 35,000 bonus Asia Miles, high earn rates at Neo retail partners, and exclusive Cathay Pacific benefits like priority check-in and lounge access. With 12 types of insurance coverage, airport lounge access through DragonPass, and the ability to earn up to 15 miles per dollar spent at select partners, this card provides substantial value for those who regularly fly with Cathay Pacific and its partners. However, the card does require a higher income and comes with a $180 annual fee.
Pros
- Generous welcome bonus
- Discount on flights
- High earn rates
- Cathay Pacific perks
- Comprehensive coverage
- Airport lounge access
Cons
- High income requirements
- Annual fee
- Limited redemption opportunities
Rewards
- Earn 4x Asia Miles per $1 spent on Cathay Pacific flights
- Earn 2x Asia Miles per $1 spent on purchases made in foreign currencies
- Earn 1x Asia Miles per $1 spent in Canada
- Earn an average of 5x the Asia Miles when you spend at thousands of Neo partners nationwide
Insurance
Coverage
Car Rental Personal Effects
$1,000/person, $2,000 combinedCar Rental Accident
$100K for Cardholder, $10K spouse and childCar Rental Damage & Theft
48 daysBaggage Delay
$1,000 after 4 hoursLost or Stolen Baggage
$1,000Trip Cancellation
$5,000Trip Interruption
$5,000Travel Medical Insurance (64 & under)
14 daysFlight Delay
$250/day, $500 MaximumHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
DragonPass only. No Complimentary visits!
Priority Travel
Online priority check-in and extra baggage redemption for Cathay Pacific, and Cathay Pacific Business class lounge redemption accessPriority Travel
Airport Security Fast Track with and professional and punctual airport with Mastercard benefits
Boingo Wi-Fi hotspot
Discount
Save up to 15% off on flights to Asia and beyond when you pay with your Cathay World Elite Mastercard and enter the discount code CXNEO15OFF (valid until Dec 31, 2025)
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best United Airlines Travel
on Neo Financial's website
Welcome Bonus
Get up to 25,000 MileagePlus miles
Annual Fee
$89
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
4.2/5
With miles earned on everyday, branded, and partner purchases, the United® MileagePlus® Neo World Elite® Mastercard is ideal for frequent United Airline flyers who redeem their rewards towards future trips. Complete with decent coverage, exclusive perks, and an affordable annual fee, this card allows members to step into the premium travel landscape without breaking the bank.
Pros
- Low annual fee
- Generous intro offer
- Everyday and branded optimization opportunities
- Boosted partner purchase optimization
- Premium travel perks
- Comprehensive coverage
Cons
- High income requirements
- Low base earn rate
Rewards
- 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 (varies by offer)
- Miles are calculated monthly and issued to the cardholder's United MileagePlus account.
Insurance
Coverage
Travel Medical Insurance (64 & under)**
Up to $1,000,000Trip Cancellation**
$1,000Trip Interruption**
$1,000Flight Delay**
$500Baggage Delay**
$1,000Hotel Burglary Insurance**
$1,000Car Rental Accident**
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft**
YesCar Rental Personal Effects**
$1,000Purchase Protection
90 daysExtended Warranty
1 yearLost or Stolen Baggage**
$1,000Mastercard Zero Liability Protection
yes
Benefits
Details
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Free first checked bag
Your first checked bag is covered on all your future United flights.Priority Travel
Be among the first to board with group 2 priority boarding for you and your family.
Nexus Program Rebate
Up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal. Nexus gives Canadian travellers expedited border crossing between Canada and the U.S.Airport Lounge - Dragon Pass
Access to 1,400+ airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit fee will apply.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best No-Fee Gas & Groceries
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%
RECOMMENDED CREDIT SCORE
3.4/5
This card offers balanced rewards for everyday purchases. There's a secured version of this card too, which would be beneficial for those wanting to build credit and earn cash back at the same time at only $7.99/month.
Pros
- No annual fee
- Boosted partner cashback
- Instant approval and access
Cons
- Basic insurance coverage
- Spending caps
- Income requirements
Rewards
- 2% cash back on grocery purchases up to $1,000 spending per month
- 2% cash back on gas purchases up to $1,000 spending per month
- 2% cash back on recurring purchases up to $500 spending per month
- 0.5% cash back on all other purchases up to $2,500 spending per month
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMastercard Zero Liability Protection
Yes
Benefits
Details
No Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
FairAnnual Income
$50,000 personal or $80,000 household
Our choice for: Best Flat-Rate No Fee
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%
RECOMMENDED CREDIT SCORE
3.5/5
This card offers a solid flat-rate of cash back on all purchases, plus partner boosted cash back opportunities. There's a secured version of this card too, which would be beneficial for those wanting to build credit and earn cash back at the same time at only $7.99/month.
Pros
- No annual fee
- Boosted partner cashback
- Instant approval and access
Cons
- Basic insurance coverage
- Income requirements
Rewards
- 1% unlimited cash back on everything
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)Mastercard Zero Liability Protection
YesWorld Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
FairAnnual Income
$50,000 personal or $80,000 household
Our choice for: Best No-Fee Shopping
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
19.99% - 29.99%□ / 22.99% - 31.99%
RECOMMENDED CREDIT SCORE
3.5/5
This card offers solid cash back for customers who spend a lot of money on dining, takeout, and retail shopping. These cash back categories and more can be boosted even further with partner purchases. There's a secured version of this card too, which would be beneficial for those wanting to build credit and earn cash back at the same time at only $7.99/month.
Pros
- No annual fee
- Boosted partner cashback
- Instant approval and access
Cons
- Basic insurance coverage
- Income requirements
Rewards
The Shop & Dine plan delivers industry-leading earn rates in restaurants and shopping.
Cardholders Receive:
- 2% cash back on food & drink up to $500 spending per month
- 2% cash back on shopping up to $500 spending per month
- 0.5% cash back on everything else
- Up to 15% boosted cashback at thousands of Neo Partners across Canada - on top of base cashback rates
Eligible Cash Back Categories Explained:
- Food & drink: Fast food, restaurants, bars, cocktail lounges, nightclubs, caterers
- Shopping: Apparel, footwear, electronics, hardware, home & garden, sporting goods, cosmetics, pets, jewellery, and more
- Amazon and wholesale purchases are not eligible for the shopping cashback rate
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMastercard Zero Liability Protection
Yes
Benefits
Details
No Foreign Transaction Fees1
You can get all FX fees rebated up to $10K spending per month with a Neo Grow membership ($12.99/month cost or $0 with $20K across your Neo accounts)World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
FairAnnual Income
$50,000 personal or $80,000 household
From our editors: The full list of Best Neo Financial Credit Cards in Canada
Best Overall: Neo World Elite Mastercard – Gas & Grocery
Known as one of the top cashback credit cards in Canada and one of the best credit cards in Canada overall, the Neo World Elite Mastercard – Gas & Grocery is also the leading contender within the Neo Financial catalogue. This card earns you competitive points per dollar spent on common categories like groceries, recurring purchases, and gas. The best part? Collect even more cashback when you purchase from Neo Partners, boosting both categorical and non-categorical spending. Cardholders also receive strong coverage, including protections like trip interruption, trip cancellation, travel medical, and car rental insurance. For benefits, expect an airport lounge Dragon Pass membership, minus any complementary visits.
To qualify for this card, note that you'll need to meet some high annual income requirements. Learn more in our Neo World Elite Mastercard Review.
Best Secured Card: Secured Neo World Mastercard – Gas & Grocery
If you're looking to improve or build credit, you may want to consider a secured credit card instead. The best overall secured credit card from Neo Financial is the Secured Neo World Mastercard – Gas & Grocery, which is also considered one of the best secured credit cards in Canada. This contender provides decent cash back rates on grocery, gas, and recurring purchases. While there are no benefits on this card, it includes standard coverage like purchase protection and extended warranty insurance. This competitor also has a low annual fee and low annual income requirements. Read more in our Secured Neo World Mastercard – Gas & Grocery Review.
Best for Dining: Neo World Elite Mastercard – Shop & Dine
The Neo World Elite Mastercard – Shop & Dine not only optimizes dining at an extremely high rate, it also uniquely earns cash back on shopping. You can boost these categories (and others) further when you purchase from Neo partners. This rewards program is accompanied by comprehensive coverage and a Dragon Pass membership. Note, however, that earn categories come with monthly spending caps and that you'll need to meet some high annual income requirements to qualify. Get all the details in our Neo World Elite Mastercard – Shop & Dine Review.
Best Flat Rate: Neo World Elite Mastercard – Everywhere
If you want a premium Neo cash back card that doesn't overcomplicate optimization, check out the Neo World Elite Mastercard – Everywhere. This contender offers a simple flat rate of cash back on all purchases. Just keep in mind that once you meet this category's monthly spending cap, the earn rate decreases by a percentage. That said, you can still pocket additional cash back on Neo partner purchases. Like other Neo World Elite cards, expect extensive insurance and a Dragon Pass membership, alongside high annual income requirements. See more in our Neo World Elite Mastercard – Everywhere Review.
Best Cathay Pacific Travel: Neo Cathay World Elite Mastercard
For those who fly frequently to destinations within Asia, the Neo Cathay World Elite Mastercard may be your perfect travel companion, after all, it's featured in our best travel credit cards in Canada blog. This card earns you strong Asia Miles per dollar spent on Cathay Pacific flights and foreign currency purchases, plus extra miles on Neo partner purchases. You'll also receive plenty of travel protections, like trip interruption and trip cancellation insurance, hotel burglary insurance, and travel medical insurance. This contender also comes with a few more travel benefits, such as an airport lounge Dragon Pass, priority travel perks, and access to the Boingo Wi-Fi hotspot. See more in our Neo Cathay World Elite Mastercard Review.
Best United Airlines Travel: United MileagePlus Neo World Elite Mastercard
Do you constantly fly with United Airlines? If so, consider the United MileagePlus Neo World Elite Mastercard. This card collects decent miles on United and Star Alliance flights, dining, and groceries. You can also boost your earnings by purchasing from Neo partners. On top of comprehensive travel insurance, expect premium perks like free first checked bags, a Nexus Program rebate, priority travel benefits, and a Dragon Pass membership. For the complete rundown, check out our United MileagePlus Neo World Elite Mastercard Review.
Best No-Fee Gas & Groceries: Neo World Mastercard – Gas & Grocery
Now we enter no-fee territory. For the most affordable Neo credit card for common expenses like gas, groceries, and recurring purchases, apply for the Neo World Mastercard – Gas & Grocery. Like most Neo credit cards, these categories and others can be boosted even further when you purchase from Neo partners. Read all about it in our Neo World Mastercard – Gas & Grocery Review.
Best Flat-Rate No Fee: Neo World Mastercard – Everywhere
To keep things simple and affordable, try the Neo World Mastercard – Everywhere. This competitor offers a truly unlimited flat rate of cash back on all purchases, plus Neo partner boosts. Discover more in our Neo World Mastercard – Everywhere Review.
Best No-Fee Shopping: Neo World Mastercard – Shop & Dine
In all honesty, this isn't the best no-fee dining credit card in Canada, but it is the most notable affordable credit that optimizes shopping, a rare earn category. However, the best rates are earned within low spending thresholds, which may be easy for many Canadians to meet. Once these limits are met, earnings are much lower for the rest of the month. Thankfully, cardholders can always boost cash back when purchasing from Neo partners. Find out more in our Neo World Mastercard – Shop & Dine Review.
Neo Credit Card Reward Programs
As mentioned above, there are two reward programs associated with Neo Financial. Most cards allow you to collect cash back on common spending categories like gas, groceries, recurring payments, and Neo Partner purchases. That said, there are a couple of Neo credit cards that are co-branded with Cathay Pacific, earning cardholders Asia Miles on specialized purchases.
To learn more about the Asia Miles reward program, check out our Asia miles credit card points value calculator.
Neo cash back rewards can be withdrawn at anytime. Your rewards are instantly deposited into your "Rewards Wallet", which can ultimately be turned into a statement credit, transferred to your Neo Everyday account, or used to purchase merchandise at the Neo Store.
Pros and Cons of Neo Credit Cards
To help you get a better idea of whether or not Neo Credit Cards are a good idea for you, let's take a look at their pros and cons:
Pros | Cons |
|---|---|
|
|
Ideal Applicants for Neo Credit Cards
You might consider applying for a Neo credit card if you:
- Want to optimize your gas, grocery, and recurring payments with cash back
- Want to optimize dining and shopping
- Prefer a simplified flat-rate cash back system
- Shop frequently at Neo Partner retailers
- Travel often to Asia
- Fly with United Airlines
- Want to build credit
How to Apply for a Neo Credit Card
To apply for one of the Neo credit cards above, hit the "Apply Now" button below your card of choice. Afterwards, you'll be redirected to the Neo Financial official website where you can begin the application process. Credit card applications typically ask for personal information (like your birthdate, email, and phone number) and financial information (such as your income, when applicable).
Frequently Asked Questions
Neo itself is a financial institution, but they offer plenty of credit cards. Whether you want a premium cashback card, a travel companion for trips to Asia, or a credit building contender, there's a Neo credit card for you.
Yes. You can apply for a Neo secured Mastercard regardless of whether you have poor credit or no credit history.
Objectively, Neo Financial offers some solid credit cards for earning cashback, travelling to Asia, and building credit.
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Sara Skodak
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Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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