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3.5
/5
Neo Financial
Mastercard
Neo World Mastercard® – Shop & DineCash Back Calculator
Our Take
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.
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
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3.5/5
Institution
Neo Financial
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
2 insurance
0 benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
No additional benefits listed for this card.
Pros & Cons
Pros
- No annual fee
- Boosted partner cashback
- Instant approval and access
Cons
- Basic insurance coverage
- Income requirements