3.2
/5
Neo Financial
Neo Mastercard®Cash Back Calculator
Our Take
The Neo Credit Card is special because it earns rewards based on whether the merchant is a partner or not. Most of the time, the cashback earned at these partners is the highest possible compared to all other credit cards. However, we don't recommend using this card as your main credit card and suggest using it only at partner merchants. This is because the rewards at non-partner merchants are very small, and most merchants are not partnered with Neo.
Card Details
Interest Rates
Purchase: 19.99% - 29.99%□
Cash Advance: 22.99% - 31.99%□
Balance Transfer: 22.99% - 31.99%
□ Quebec rates: Purchase 19.99% - 24.99%, Cash advance 22.99% - 25.99%
Annual Fees
Main Card: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
3.2/5
Institution
Neo Financial
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
No insurance coverage is bundled with this card.
Benefits
No additional benefits listed for this card.
Pros & Cons
Pros
- No annual fee
- Instant approval and access
- Unique partner cashback program
- Unique benefit system
- Balance protection
Cons
- Insurance and benefit fees
- Spending caps
- Low cashback rates