The Best Neo Financial Credit Cards – June 2026

Q: Which Neo credit cards are accepted at Costco?

The Neo Mastercard®, the Neo World Mastercard, the Neo World Elite Mastercard, the United MileagePlus Neo World Elite Mastercard, and the Cathay World Elite Mastercard—powered by Neo all work at Costco. This means you can earn Neo cash back even when shopping at this retailer.

The Best Neo Financial Credit Cards - June 2026

Below, you will find the best Neo Financial credit card offers.

To compare two cash back cards, see our head-to-head Neo World Elite vs BMO Cash Back World Elite.

Here is a summary table of the different offers. For more details, continue reading or click on a card name.

Neo credit cards

Neo World Elite^® Mastercard – Everywhere

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.

Neo World Elite^® Mastercard – Gas & Grocery

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.

Neo World Elite^® Mastercard – Shop & Dine

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.

Neo World Elite^® Mastercard – Everywhere

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.

Neo World Mastercard^® – Gas & Grocery

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.

Neo co-branded cards

United^® MileagePlus^® Neo World Elite^® Mastercard

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.

Cathay World Elite^® Mastercard – powered by Neo

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).

JA Money card—powered by Neo

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.

Neo Financial credit cards – Frequently asked questions

Which Neo credit cards are accepted at Costco?

The Neo Mastercard^®, the Neo World Mastercard, the Neo World Elite Mastercard, the United MileagePlus Neo World Elite Mastercard, and the Cathay World Elite Mastercard—powered by Neo all work at Costco. This means you can earn Neo cash back even when shopping at this retailer.

How do you earn miles with the United MileagePlus Neo World Elite Mastercard?

You earn 1.25 miles per dollar on United and Star Alliance flights, 1 mile per dollar at restaurants and grocery stores, and 0.75 miles per dollar everywhere else. In addition, more than 10,000 Neo merchant partners offer bonus miles across the country.

What benefits does the Cathay World Elite Mastercard—powered by Neo offer with Cathay Pacific?

You receive priority online check-in, an extra bag, and a redeemable lounge access pass for Cathay Pacific’s business-class lounge. In addition, a promo code provides 15% off Cathay Pacific airfare purchased with the card.

Is the JA Money card—powered by Neo suitable for teenagers?

Yes. This prepaid Mastercard is available from age 13, or 14 in Quebec. In addition, it earns up to 5% cash back at restaurants, Uber Eats, and clothing, book, or video game brands.

What is the credit limit for the Neo World and World Elite cards?

Both cards offer an instant credit limit of up to $30,000. This limit applies to both the Neo World Mastercard and the Neo World Elite Mastercard.

What cash back do you get with the Neo Money Card?

You earn an average of 6% cash back at restaurants, bars, and cafés. In addition, 4% applies to apps such as Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash, and UberEats, and up to 3% on gas and groceries.

How many merchant partners offer rewards to Neo cardholders?

More than 10,000 Neo partners offer additional rewards across Canada. As a result, your everyday purchases earn more depending on the merchant you choose.

Does Neo Secured Credit help build your credit history?

Yes. The secured version requires a security deposit and works like a regular credit card. In addition, it helps you build or rebuild your credit history in Canada while keeping the same earn rates and benefits as the standard version.

Do Neo World Elite cards provide access to airport lounges?

Yes. The United MileagePlus Neo World Elite Mastercard provides paid access to more than 1,400 lounges via Mastercard Travel Pass powered by DragonPass. Meanwhile, the Cathay World Elite Mastercard—powered by Neo provides access to more than 1,300 lounges worldwide.

What cash back does the Neo World Elite Mastercard offer on everyday purchases?

You can earn up to 5% cash back on groceries, 4% on recurring payments, 3% on gas and electric vehicle charging, and 1% everywhere else. In addition, Neo partners add bonus cash back in several categories.

Does the United MileagePlus Neo World Elite Mastercard reimburse Nexus fees?

Yes. The card reimburses up to US$120 every 5 years to cover Nexus application or renewal fees. This allows you to cross the Canada–U.S. border faster without paying for the program out of pocket.