Looking for the best Neo Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.
Compare the 10 cards in our selection below. Interested in a card? Click Read review to read our full analysis.
- Annual fee
- $120
- Our valuation
- $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Ends Nov 1, 2026
on Scotiabank's website
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| $89 | |||
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Exclusive offer (until October 12, 2026): $149 annual fee waived for the first year, plus $100 cash back after $1,500 in eligible purchases within the first 3 months.
Maximize your rewards with the Neo World Elite® Mastercard – Gas & Grocery. Earn up to 5% cash back on groceries, 4% on recurring payments, 3% on gas and electric vehicle charging, and 1% on everything else.
Benefit from comprehensive insurance coverage, including extended warranty, purchase protection, and travel insurance. In addition, receive a DragonPass membership for access to airport lounges worldwide.
With an instant credit limit of up to $30,000 and additional cash back at over 10,000 Neo partners, your essential spending becomes more rewarding.
Travel insurance is not available to Quebec residents. DragonPass membership is included; fees apply for each lounge visit.
- Annual fee
- $0 $149No annual fee the first year
- Our valuation
- $249Milesopedia first-year estimate First-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- $100 cash back
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
Ends Oct 12, 2026
on Neo Financial's website
Exclusive offer (until October 12, 2026): $149 annual fee waived for the first year, plus $100 cash back after $1,500 in eligible purchases within the first 3 months.
The Neo World Elite® Mastercard – Everywhere combines the simplicity of a single rate with the benefits of a premium card. Earn 2% cash back on all your purchases (up to $4,000 per month, then 1% thereafter), with no categories to track.
You keep all the World Elite® benefits: comprehensive travel insurance, collision coverage for car rentals, and a DragonPass membership for airport lounges. Add to that additional discounts at over 10,000 Neo partners.
With an instant credit limit of up to $30,000, it’s the premium option for those who want high cash back on every purchase, effortlessly.
Travel insurance is not available to Quebec residents. DragonPass membership is included; fees apply for each lounge visit.
- Annual fee
- $0 $149No annual fee the first year
- Our valuation
- $249Milesopedia first-year estimate First-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- $100 cash back
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
Ends Oct 12, 2026
on Neo Financial's website
Exclusive offer (until October 12, 2026): $149 annual fee waived for the first year, plus $100 cash back after $1,500 in eligible purchases within the first 3 months.
The Neo World Elite® Mastercard – Shop & Dine offers some of the highest cash back rates in the country for dining and shopping. Earn 5% cash back every time you dine out or order takeout, and 3% on in-store purchases, with 1% everywhere else.
Benefit from comprehensive insurance including extended warranty, purchase protection and travel insurance, as well as a DragonPass membership for airport lounges around the world.
Combined with additional cash back at over 10,000 Neo partners and an instant credit limit of up to $30,000, this is a card designed for those who spend at restaurants and in stores.
Purchases on Amazon and at warehouse stores are not eligible for the shopping rate. Travel insurance is not available to Quebec residents. DragonPass membership is included; fees apply for each lounge visit.
- Annual fee
- $0 $149No annual fee the first year
- Our valuation
- $249Milesopedia first-year estimate First-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- $100 cash back
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
Ends Oct 12, 2026
on Neo Financial's website
The Cathay World Elite Mastercard– powered by Neo is the only credit card in Canada that allows you to earn Asia Miles.
For a limited time, you can earn up to 60,000 Asia Miles as a welcome bonus:
- 35,000 Asia Miles on approval
- 25,000 Asia Miles after $5,000 in purchases in 3 months
With the Cathay World Elite Mastercard – powered by Neo, you earn:
- 2 Asia Miles for every $1 spent on purchases made in foreign currencies
- 4 Asia Miles per dollar on Cathay Pacific purchases
- 5 Asia Miles per dollar on average at thousands of Neo partners across the country
- 1 Asia Mile per dollar on purchases made in Canada, including at Costco
As it’s a World Elite Mastercard credit card, you benefit from numerous advantages, such as paid access to over 1,300 airport lounges worldwide.
When you travel with Cathay Pacific, you get priority online check-in, an extra bag and redeemable access to Cathay Pacific business class lounges.
Finally, you’ll receive a 15% discount on Cathay Pacific flights purchased with Cathay World Elite® Mastercard® – powered by Neo (promotional code required).
The United® MileagePlus® Neo World Elite® Mastercard® is the only credit card in Canada that allows you to earn United MileagePlus miles while enjoying exclusive airline benefits directly on your credit card.
For a limited time, you can earn up to 20,000 MileagePlus miles as a welcome bonus:
- 5,000 MileagePlus miles on card activation and first transaction
- 15,000 additional MileagePlus miles when you spend $3,000 net of refunds within 3 months of application
And 5,000 miles per year when the account remains open and active with eligible spend within 365 days This is an approximate $90 value based on our valuation of MileagePlus miles.
With the United® MileagePlus® Neo World Elite® Mastercard®, you earn MileagePlus miles on every purchase:
- 1.25 miles per dollar on United and Star Alliance flights
- 1 mile per dollar on dining and groceries
- 0.75 miles per dollar everywhere else
You can also earn bonus miles at over 10,000 Neo merchant partners across the country.
When travelling with United, you benefit from a first checked bag free on all your flights, as well as Group 2 priority boarding for you and your family.
With the United® MileagePlus® Neo World Elite® Mastercard, you automatically receive at least a 10% discount on award flights, and even 15% if you hold Premier MileagePlus status.
In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.
As a World Elite Mastercard, you also enjoy paid access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass, as well as comprehensive travel insurance coverage (insurance coverage not available in Quebec).
Finally, the card reimburses up to $120 USD every 5 years to cover your Nexus application or renewal fees — the expedited border crossing program between Canada and the U.S.
A secured version of the card is also available with a security deposit. It offers the exact same mile earn rates and travel benefits, while allowing you to build or rebuild your credit history in Canada.
- Annual fee
- $89
- Our valuation
- $400Milesopedia first-year estimate First-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 25,000 miles
Milesopedia first-year estimateFirst-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on Neo Financial's website
The Neo World Mastercard® – Gas & Grocery rewards your weekly spending. You earn 2% cash back on groceries, gas, EV charging, and recurring payments, and 0.5% on everything else.
With no annual fee, it is a card designed for households looking to maximize their essential purchases without the complexity of tracking points. You also earn additional rewards at over 10,000 Neo partners, and cash back is deposited directly into your Neo wallet with no minimums or expiration dates.
With an instant credit limit of up to $30,000 and a secured option to build your credit, your everyday spending works for you from the very first purchase.
The JA Money card—powered by Neo, is ideal for teenagers. You can get this prepaid Mastercard from the age of 13 (14 in Quebec).
With the the JA Money card—powered by Neo, you get up to 5% cash back:
- Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
- Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
- Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
- Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
- Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
The Neo World Mastercard® – Everywhere is designed for those who want simple and consistent cash back, without tracking categories. One single rate, 1% on every purchase, with no cap.
With no annual fee, it’s a « set it and forget it » card: no optimization required, no categories to activate. You also benefit from additional cash back at over 10,000 Neo partner merchants, and the cash back is deposited directly into your Neo wallet.
With an instant credit limit of up to $30,000, it’s a hassle-free option to earn rewards on every expense.
The Neo World Mastercard® – Shop & Dine is for those who spend more on dining and retail. You earn 2% cash back on restaurant outings, takeout, and retail purchases, plus 0.5% on all your other purchases.
With no annual fee, it transforms your everyday meals and purchases into cash back, with no points to manage. Neo’s network of over 10,000 partners enhances your earnings, and the cash back accumulates in your Neo wallet, ready to be used at any time.
Please note: purchases on Amazon and at warehouse stores are not eligible for the retail rate.
With the Neo Money™ card, you get up to 6% cash back:
- 6% on average on restaurants, bars and cafés
- 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
- Up to 3% on gas and groceries
Compare the terms specific to this selection
For Neo Financial, compare fees, eligible transactions and the benefits you need. Where rewards points are offered, check redemption options, transfer possibilities and program conditions.
Assess costs beyond the welcome offer
When choosing a credit card in this category, distinguish temporary incentives from ongoing terms. Compare annual fees, transaction charges and benefit requirements.
Use the table for an initial comparison. Read the review of the card that interests you, then the issuer’s terms before applying.
Frequently asked questions — Neo Financial
How do I compare cards in Neo Financial?
Compare each offer using the same budget and spending needs. Then review detailed terms to check limits, exclusions and the benefits you can actually use.
How should I choose from the Neo Financial selection?
Start with your spending and priorities, then compare fees and benefits relevant to your situation. The ranking helps identify options; the best choice can differ from person to person.
Can terms change after publication?
Yes. Offers, fees and eligibility requirements can change. Before applying, check the issuer’s terms linked from the application button, including dates and exclusions.
