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Neo World Mastercard® – Shop & Dine Review
The Bottom Line
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.
Our choice for: Customers who spend heavily on dining, takeout, and retail shopping
APPLY NOW
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
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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% cash back at Neo Partners
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 days
Extended Warranty
1 year
Eligibility
Credit Score
FairAnnual Income
$50,000 personal or $80,000 household
Card Details
Interest Rates
Purchase APR
19.99% - 29.99%□
Cash Advance APR
22.99% - 31.99%
Balance Transfer APR
22.99% - 31.99%
□ Purchase rate for Quebec residents is 19.99% - 23.99%
Fees
Annual Fee
$0
Eligibility
Minimum Individual Income
$50,000
Minimum Household Income
$80,000
Credit Score Estimate
Fair
Type
Card Type
Credit
Reward Type
Cash BackPros & Cons
Pros
- No annual fee
- Boosted partner cashback
- Instant approval and access
Cons
- Basic insurance coverage
- Income requirements
On this page
Get personalized rewards estimates — see exactly how much you could earn.
Neo World Mastercard® – Shop & Dine Cash Back Calculator
APPLY NOW
on Neo Financial's website