Cash Cowboy × Neo Financial

Compare Neo’s cashback cards and pick your plan

We’ve lined up all six Neo Mastercards and the Neo Savings account so you can match the base rates, the boosted partner cashback and the membership perks to how you actually spend.

Apply with Neo → Compare cards
Neo World Mastercard Neo World Elite Mastercard Neo Mastercard

Cashback

Neo World Mastercard
Neo World Mastercard®

Best for: flat 2% on everyday spending with no annual fee.

  • Up to 15% boosted cashback at partners
  • No annual fee
Rewards typeCashback
Annual fee$0
Groceries2%
Gas2%
Recurring bills2%
Food & drink2%
Everything else1%
Apply with Neo
Secured Neo World Mastercard
Secured Neo World Mastercard®

Best for: the same 2% earn rate while you build credit history.

  • Up to 15% boosted cashback at partners
  • Reports to the credit bureaus
Rewards typeCashback
Monthly fee$9.99
Groceries2%
Gas2%
Recurring bills2%
Food & drink2%
Everything else1%
Apply with Neo

Premium cashback

Neo World Elite Mastercard
Neo World Elite® Mastercard

Best for: the highest cashback where Canadians spend most.

  • Up to 15% boosted cashback at partners
  • Comprehensive travel insurance
Rewards typePremium cashback
Annual fee$125
Groceries5%
Gas3%
Recurring bills4%
Food & drink5%
Everything else2%
Apply with Neo

Minimum $80,000 individual or $150,000 household income required.

Secured Neo World Elite Mastercard
Secured Neo World Elite® Mastercard

Best for: premium cashback rates with no income requirement.

  • Up to 15% boosted cashback at partners
  • Comprehensive travel insurance
  • Reports to the credit bureaus
Rewards typePremium cashback
Monthly fee$9.99
Groceries5%
Gas3%
Recurring bills4%
Food & drink5%
Everything else2%
Apply with Neo

Credit builder

Neo Mastercard
Neo Mastercard

Best for: getting started with cashback and no minimum income.

  • Up to 15% boosted cashback at partners
  • 0.5% guaranteed minimum on everything else
  • No credit score required
Rewards typeCashback
Monthly fee$0
At partnersUp to 15%
Everything else0.5% min
Apply with Neo
Secured Neo Mastercard
Secured Neo Mastercard

Best for: rebuilding credit while still earning cashback.

  • Up to 15% boosted cashback at partners
  • 0.5% guaranteed minimum on everything else
  • Reports to the credit bureaus
Rewards typeCashback
Monthly fee$9.99
At partnersUp to 15%
Everything else0.5% min
Apply with Neo

Every Neo card earns up to 15% boosted cashback at thousands of partners across Canada, on top of the base rates above.

Neo Savings

A savings rate that scales with your membership

Your Neo Savings rate is set by the Neo membership you hold, not by your account balance. No minimum balance and no monthly fee.

Standard
2.00%
Base Neo membership
Build
2.50%
With a Neo Build membership
Grow
2.75%
With a Neo Grow membership

Every card includes

Perks that come with every Neo card

10,000+ partner offers

Earn boosted cashback with brands you already shop.

Up to 15% boosted cashback

Stacked on top of your everyday base rates.

Comprehensive travel insurance

Included on the Neo World Elite Mastercard.

Build credit while you earn

Every secured card reports to the credit bureaus.

Backed by Neo

A better way to bank, borrow and build wealth.

Ready to earn on every swipe?

Apply through Cash Cowboy and get matched with the Neo card that fits your spending.

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Cash Cowboy is an affiliate partner of Neo Financial and may earn a commission when you apply through the links on this page, at no additional cost to you. Cashback rates, fees and benefits are set by Neo Financial and ATB Financial and can change. Confirm the current details on Neo’s website before applying.