Working hard in the background...
4.6
/5
Neo Financial
Mastercard
Neo World Elite® Mastercard – EverywhereCash Back Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 19.99% - 26.99%□
Cash Advance: 22.99% - 28.99%
Balance Transfer: 22.99% - 31.99%
□ Purchase rate for Quebec residents is 19.99% - 23.99%
Annual Fees
Main Card: $149
Additional Cards: $49 (max 1 additional cardholder)
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
4.6/5
Institution
Neo Financial
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
12 insurance
1 benefit
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to $1,000,000
Trip Cancellation
$1,000
Trip Interruption
$1,000
Flight Delay
$500
Baggage 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){kind=small}
Car Rental Damage & Theft
Yes
.svg){kind=small}
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
Pros & Cons
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Annual fee