Neo credit cards
The best Neo Financial credit cards in Canada for 2026.
Neo Financial issues its own Mastercard credit cards, from the no-annual-fee Neo Mastercard to the Neo World Elite Mastercard, plus co-branded Cathay and United travel cards. Neo advertises cash back of up to 15% at thousands of partner merchants; that's a maximum, not a typical rate.
Income range
Neo Mastercard: no minimum. Neo World Mastercard: $50,000 personal or $80,000 household. Neo World Elite Mastercard: $80,000 personal or $150,000 household.
Credit score
Neo says its pre-qualification step won't affect your credit score. A hard credit check applies only if you go on to apply.
Best for
Cash back at Neo partner merchants, a no-annual-fee starter card, building credit with the Secured Neo Mastercard
All 0 Neo cards we track.
Neo card lineup
No Neo cards currently tracked. Check back as we add more cards from this issuer.
About Neo cards
What to know before applying.
Neo Financial is a Canadian company whose cards you manage in the Neo app, and it issues its credit cards under licence from Mastercard. The Neo Mastercard has no annual fee and no income minimum. Neo advertises up to 15% cash back at thousands of partner merchants, and its World and World Elite cards also earn category cash back with monthly spending limits per category. For building credit, Neo offers a Secured Neo Mastercard with a monthly fee; Neo calls its approval guaranteed, with conditions that include providing security funds.
Best for
Cash back at Neo partner merchants, a no-annual-fee starter card, building credit with the Secured Neo Mastercard
Not for
People who want to manage their card at a bank branch (Neo says you manage its cards entirely from the Neo app), and anyone expecting the top partner cash-back rate on everyday spending
FAQ
Common questions about Neo cards.
Who issues Neo credit cards?
Neo Financial issues the Neo Mastercard, Neo World Mastercard and Neo World Elite Mastercard itself, under licence from Mastercard International, according to Neo's card page. For deposits, Neo says funds held in its Neo Chequing account are eligible for CDIC insurance up to $100,000.
How does Neo's partner cashback work?
Neo advertises up to 15% cash back at thousands of partner merchants when you pay with a Neo card. That's the top rate, not a typical one, and rates differ by partner, so check current offers in the Neo app. Neo's World and World Elite cards also earn cash back in set categories, with a monthly spending limit per category.
What's the credit score requirement for Neo?
Neo lets you pre-qualify first, which Neo says won't affect your credit score, and a hard credit check applies only if you continue with an application. Pre-qualifying shows which Neo cards you're likely to be approved for, but Neo says it doesn't guarantee approval. For people building credit, Neo offers a Secured Neo Mastercard, which it says has no minimum credit score; you provide security funds, and Neo's other conditions apply.
Is Neo safe?
Neo says funds held in the Neo Chequing account are eligible for CDIC insurance up to $100,000. Its cards come with Mastercard Zero Liability protection against purchases you didn't make, real-time alerts, and a card lock in the app. Our article Is Neo Financial safe? covers this in more detail.