Working hard in the background...
Side by Side Credit Cards Comparison
Neo Mastercard®VSNeo World Mastercard®
Which one is better?
Neo Mastercard®
2.7
Neo World Mastercard®
3.5
Welcome Bonus
N/A
Welcome Bonus
N/A
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$181.33
First Year Bonus Value
+
$0
Annual Fee
-
$0
Finly Rebate
+
$50Exclusive Offer
First Year Value
$231.33
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$358.4
First Year Bonus Value
+
$0
Annual Fee
-
$0
Finly Rebate
+
$50Exclusive Offer
First Year Value
$408.4
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 1% cash back on grocery purchases up to $500 spending per month
- 1% cash back on gas purchases up to $500 spending per month
- Up to 15% cash back at over 10,000 Neo Partners
How to Earn Rewards
- 2% cash back on grocery purchases up to $1,000 spending per month
- 2% cash back on gas purchases up to $1,000 spending per month
- 2% cash back on recurring purchases up to $500 spending per month
- 0.5% cash back on all other purchases up to $2,500 spending per month
- Up to 15% cash back at Neo Partners
Insurance Included
Balance Protection
optional add on
Insurance Included
Extended Warranty
1 year
Purchase Protection
90 days
Extra Benefits
Neo Premium ($4.99/month)
.svg)
Neo Travel Benefits ($4.99/month)
Neo Food Cashback boost ($1.99/month)
Neo Mind and Body Perks ($9.99/month)
Extra Benefits
N/A
Interest Rates
Purchase:
19.99% - 29.99%
Cash Advance:
22.99% - 31.99%
Balance Transfer:
22.99% - 31.99%
Interest Rates
Purchase:
19.99% - 29.99%
Cash Advance:
22.99% - 31.99%
Balance Transfer:
22.99% - 31.99%
Annual Fee
$0
Annual Fee
$0
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$50,000
Min Household Income:
$80,000
Is this card worth it?
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.
Is this card worth it?
This card offers balanced rewards for everyday 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.
Pros
- Instant approval and access to virtual card.
- Unique cashback program which earns cashback based on partner instead of purchase category.
- Massive cashback at some partners that any other credit card couldn't beat.
- Unique benefit system where perks could be bought with a monthly fee and cancelled after use.
Pros
- Additional cash back earning at over 10,000 Neo partners
- Instant approval and access to your virtual card
Cons
- No built-in purchase protection and extended warranty benefit.
- Low cash back rates on specialized categories.
- Spending caps limit reward-potential.
Cons
- Basic insurance coverage
- Cash back spend caps can limit your rewards
