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Neo Mastercard
MASTERCARDCash back on everyday spending
Neo Mastercard
Annual fee No feePurchase APR 19.99%
Apply on Neo Financial →Why get this card
- ✓No annual fee
- ✓Earn 1% on gas
Earn rates
- gas1%
Cashback from gas
- grocery1%
Cashback from grocery
- partner_offers%
Cashback at over 10,000 partner merchants across Canada (varies by offer)
Welcome offer
No welcome offer captured.
Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
Purchase credit rate 19.99%-29.99% (Quebec 19.99%-24.99%); cash advance rate 22.99%-31.99% (Quebec 22.99%-25.99%). Build membership $7.99/month (ways to get it free).
Interest rates
- Purchase APR
- 19.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- —
Redemption & eligibility
- Reward currency
- cashback
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
Apply with any credit history or income. Offered as a traditional card (limit up to $10,000) or a secured-limit card depending on credit history.
Compare with similar cards
Frequently asked
- Is the Neo Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the Neo Mastercard?
- The annual fee is No fee. The purchase interest rate is 19.99% and the cash advance rate is 22.99%. These are sourced from Neo Financial's official page.
- What rewards does the Neo Mastercard earn?
- It earns up to 1% on gas, in cashback. See the full earn-rate breakdown above.
Official sources
Every figure on this page comes from Neo Financial's own pages. Last checked 2026-06-13.