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Neo World Elite® Mastercard – Everywhere Review
The Bottom Line
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 over 10,000 partners to receive up to 15% in cash back.
Our choice for: Customers who want simplicity with strong flat-rate cashback on all purchases
APPLY NOW
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$149
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Rewards
- 2% cash back up to $4000 spending per month then 1% (unlimited) on everything else
- Up to 15% cash back at over 10,000 Neo Partners
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?dpl=dpl_5kCgTkxzWFfVmG7SZ8w6MuK6W3Lz)
Car Rental Damage & Theft
Yes.svg?dpl=dpl_5kCgTkxzWFfVmG7SZ8w6MuK6W3Lz)
Car Rental Personal Effects
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Lost or Stolen Baggage
$1,000
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
Eligibility
Credit Score
FairAnnual Income
$80,000 personal or $150,000 household
Card Details
Interest Rates
Purchase APR
19.99% - 26.99%□
Cash Advance APR
22.99% - 28.99%
Balance Transfer APR
22.99% - 31.99%
□ Purchase rate for Quebec residents is 19.99% - 23.99%
Fees
Annual Fee
$149
Additional Cards
$49 (max 1 additional cardholder)
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Fair
Type
Card Type
Credit
Reward Type
Cash BackPros & Cons
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Annual fee
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Neo World Elite® Mastercard – Everywhere Cash Back Calculator
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on Neo Financial's website