Offer

2% cash back on restaurants, bars, and fast food (up to $500/month, then 0.5%)
2% on retail: clothing, footwear, electronics, home and garden, and more (up to $500/month, then 0.5%)
0.5% cash back everywhere else, with no cap
Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
Instant credit limit up to $30,000
No annual fee ($0)
Secured option to build credit history (same cash back rates)

Fees & Conditions

Personal Income $50,000

Household Income $80,000

Annual Fee $0

Foreign Transaction Fee 2.5%

Advantages

Costco

Earnings

Per dollar of purchases

All Spending 0.5 %

Groceries 0.5 %

Gas 0.5 %

Dining and Food delivery 0.5 %

Convenience Stores 0.5 %

Drugstores 0.5 %

Local Transport 0.5 %

Travel 0.5 %

Entertainment 0.5 %

Recurring Payments 0.5 %

Telecom/Internet 0.5 %

Streaming services 0.5 %

Online transactions 2 %

Office Supplies 2 %

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

Travel medical insurance up to 64 years old

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Extended Warranty

1 year

Purchase Protection

$1,000

90 day(s)

Mobile Device Insurance

Price Protection

Our review

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.