3.5
/5
Neo Financial
Neo World Mastercard® – EverywhereCash Back Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 19.99% - 29.99%□
Cash Advance: 22.99% - 31.99%
Balance Transfer: 22.99% - 31.99%
□ Purchase rate for Quebec residents is 19.99% - 23.99%
Annual Fees
Main Card: $0
Annual Income
Personal: $50,000
Household: $80,000
Credit Score Estimate
Card Type
Credit
Our Rating
3.5/5
Institution
Neo Financial
How You Earn Rewards
- 1% unlimited cash back on everything
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Extended Warranty
Benefits
Details
No Foreign Transaction Fees1
Mastercard Zero Liability Protection
World Mastercard Benefits
Pros & Cons
Pros
- No annual fee
- Boosted partner cashback
- Instant approval and access
Cons
- Basic insurance coverage
- Income requirements
Legal
1Foreign transaction fees are automatically rebated for Grow members and limited to the first CAD$10,000 in foreign spend each month. A 2.75% foreign transaction fee (2.5% on Neo Money™ cards) is applied at the time of purchase and automatically returned to your account once the transaction moves from pending to posted. Neo Money™ Card rebates are processed monthly, at the end of the month, and returned via your Neo Chequing or Neo Everyday account.