{"id":352964,"date":"2025-02-07T06:35:00","date_gmt":"2025-02-07T11:35:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=352964"},"modified":"2025-10-22T11:59:26","modified_gmt":"2025-10-22T15:59:26","slug":"maximizing-rewards-neo-credit","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/maximizing-rewards-neo-credit\/","title":{"rendered":"Maximize Your Rewards with the Neo Mastercard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/go\/neo\/\">Neo Financial<\/a> is a Canadian online bank specializing in savings and credit products. Among their products, the <a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a> allows you to earn cashback on your purchases. As of October 2025, cashback rates no longer depend on the balance of your <a href=\"https:\/\/milesopedia.com\/go\/neo-argent\/\">Neo Everyday account<\/a>, but rather on the type of card held (Neo, Neo World, or Neo World Elite). This new structure makes the program simpler and more transparent for <a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a> holders.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Neo Financial: A New Digital Bank&#8221; css=&#8221;&#8221; el_id=&#8221;neo_financial_a_new_digital_bank&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Based in Calgary, Canada, <a href=\"https:\/\/milesopedia.com\/go\/neo\/\">Neo Financial<\/a> is an online bank specializing in savings and credit products. It stands out for its direct partnership with merchants, offering access to a vast network of over 10,000 partners across Canada. This allows you to earn cash back based on the type of card you choose, rather than your account balance. These benefits are easily tracked using the Neo mobile application (Neo App), which now offers improved tools for expense and cashback tracking.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;351800&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Get a Neo Mastercard&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;get_a_neo_mastercard&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a> (formerly Neo Credit) is one of the <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/neo-financial-case-study\/\">many financial products offered by Neo<\/a>. It has no annual fees and no income requirement (unlike the <a title=\"Neo World Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo-world-mastercard\/\" rel=\"noindex\">Neo World Mastercard<sup>&reg;<\/sup><\/a> and <a title=\"Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/go\/neo-mastercard-world-elite\/\" rel=\"noindex\">Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> cards). As of October 2025, the application process has been simplified: applicants go through a single flow and immediately see which cards they can obtain, ensuring instant approval when they are eligible.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"166386\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Applying for a <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-neo\/\">Neo Mastercard<\/a> is now even simpler thanks to the new unified application flow, which is completed entirely online. The conditions for application are as follows:<\/p>\n<ul>\n<li>Be a Canadian resident; <\/li>\n<li>Have a valid Canadian photo ID;<\/li>\n<li>Have reached the age of majority in your province.<\/li>\n<\/ul>\n<p>Credit limits range from $500 to $10,000, subject to approval. Optional coverage is available, such as Balance Protection, which can cover minimum monthly payments of your credit card&#8217;s outstanding balance. <\/p>\n<p>Right now, the welcome offer is $25, with no spending requirements. Simply <a href=\"https:\/\/milesopedia.com\/go\/neo\/\">apply online<\/a> and the bonus will be credited directly to your account when the card is activated. Additionally, secured cardholders now benefit from Build membership ($7.99\/month) to access credit-building and score-tracking tools.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Other Neo Financial Products&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;other_neo_financial_products&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Neo Financial offers various <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/neo-financial-case-study\/\">financial products and services<\/a> such as credit cards, secured credit cards, checking accounts, and savings accounts. As of October 2025, some secured cards include Build membership ($7.99\/month), offering tools to track and improve your credit, along with detailed expense and cashback tracking. Find more details in our other guides:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"414004,179568,142781,348132,296399\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Neo Mastercard &#8211; Earning Cashback Rewards&#8221; css=&#8221;&#8221; el_id=&#8221;neo_mastercard_-_earning_cashback_rewards&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Neo has recently simplified the structure of its cashback program. From now on, cashback no longer depends on the balance of your <a href=\"https:\/\/milesopedia.com\/comptes-cheques\/compte-neo-argent\/\">Neo Everyday account<\/a>, but is determined solely by the type of card held (Neo, Neo World, or Neo World Elite), making the program clearer and more transparent for all customers.<\/p>\n<p>Balance-based cashback tables no longer apply. Here is a summary of cashback rates by card type:<\/p>\n<table style=\"border-collapse: collapse; width: 100.185%; height: 156px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 16.6667%; text-align: center; height: 24px;\"> <\/td>\n<td style=\"width: 66.6668%; text-align: center; height: 24px;\" colspan=\"4\">Cashback Rate by Neo Card Type<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 27px;\">\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><strong>Card<\/strong><\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><strong>Grocery<\/strong><\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><strong>Gas<\/strong><\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><strong>Everything else<\/strong><\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><strong>Neo Partner<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a><\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">1&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">1&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">0,5&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">Up to 15%<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><a title=\"Neo World Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo-world-mastercard\/\" rel=\"noindex\">Neo World Mastercard<sup>&reg;<\/sup><\/a><\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">2&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">2&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">0,5&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">Up to 15%<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\"><a title=\"Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/go\/neo-mastercard-world-elite\/\" rel=\"noindex\">Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a><\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">5&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">3&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">1&nbsp;%<\/td>\n<td style=\"width: 16.6667%; text-align: center; height: 27px;\">Up to 15%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393798\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here are the rewards with a balance of $5,000:<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;469073&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here are the rewards with a balance of $10,000:<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;469075&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Neo partners across Canada&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;neo_partners_across_canada&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Neo Financial has over 10,000 partners across Canada. These partners include gas stations, grocery stores, restaurants, gyms, cafes, and many others. Cashback at these partners is now calculated based on the type of card held, and no longer on the balance of the Neo Everyday account.<\/p>\n<p>For example, here is an overview of current Neo partner offers in the Rosemont district in Montreal:<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;352718&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;352720&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;352722&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Many independent restaurants have partnered with us, offering discounts of around 5%. Good news for those places that sometimes don&#8217;t take American Express and the <a href=\"https:\/\/milesopedia.com\/go\/amex-cobalt\/\">Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a>! <\/p>\n<p>Popular partners across the country include:<\/p>\n<ul>\n<li>A&amp;W App (up to 15%)<\/li>\n<li>Blaze Pizza (up to 15%)<\/li>\n<li>Second Cup Coffee Co (up to 10%)<\/li>\n<li>aloSIM (up to 10%)<\/li>\n<li>Harry Rosen (up to 10%)<\/li>\n<li>Pet Value (up to 10%)<\/li>\n<li>Oakley (up to 8%)<\/li>\n<li>The Keg Steakhouse (up to 8%)<\/li>\n<li>Jugo Juice (up to 8%)<\/li>\n<li>Ray Ban (up to 7%)<\/li>\n<li>ALDO (6%)<\/li>\n<li>Carter&#8217;s | OshKosh B&#8217;gosh (6%)<\/li>\n<li>JD Sports (up to 6%)<\/li>\n<li>Endy (up to 6%)<\/li>\n<li>Public Mobile (5%)<\/li>\n<li>Best Western (up to 5%)<\/li>\n<li>Boston Pizza (4%)<\/li>\n<li>DSW \/ The Shoe Company (4%)<\/li>\n<li>FlightHub (3%)<\/li>\n<li>La Maison Simons (3%)<\/li>\n<li>Roots Canada (3%)<\/li>\n<li>Hudson Bay (2%)<\/li>\n<li>Shell App (up to 2%)<\/li>\n<\/ul>\n<p>As of October 2025, cashback at these partners is calculated based on the type of Neo card held, and no longer on the balance of the Neo Everyday account.<\/p>\n<p>The full list of partners can be found on the Neo website and on the Neo App.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;469089&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-start=\"895\" data-end=\"1266\">Additionally, you receive cashback based on the type of card held: 1% for the Neo Mastercard, 2% for the <a title=\"Neo World Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo-world-mastercard\/\" rel=\"noindex\">Neo World Mastercard<sup>&reg;<\/sup>, <\/a>and up to 5% for the <a title=\"Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/go\/neo-mastercard-world-elite\/\" rel=\"noindex\">Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> at grocery stores and gas stations, across all chains in Canada, including <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/best-credit-cards-for-costco\/\">Costco<\/a>. There is no longer a monthly limit based on the Neo Everyday account balance.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Customize Your Rewards with Extras&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;customize_your_rewards_with_extras&#8221;][vc_custom_heading text=&#8221;Premium&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;premium&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Neo Financial offers a package that lets you accumulate even more rewards: Premium. For $9.99 a month, you get higher discount rates, exclusive offers and features, and&nbsp;: <\/p>\n<ul>\n<li>Boosted Cashback\n<ul>\n<li>Gas: 2% instead of 0%<\/li>\n<li>Groceries: 2% instead of 0%<\/li>\n<li>Everything else: 0.5% instead of 0%<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>Credit monitoring (provided by TransUnion, directly in the Neo App)<\/li>\n<li>Enhanced purchase protection and extended warranty<\/li>\n<li>$2,500 group life insurance<\/li>\n<li>24\/7 Legal assistance<\/li>\n<li>Cashback from 3% to 6% depending on partner type: partner retailers (3%), restaurants, bars, and cafes (6%), food delivery (4%), rideshare services (4%), streaming services (4%)<\/li>\n<li>Priority support from Neo (dedicated phone line)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;469108&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">The following table summarizes the cash back bonuses available with Premium:<\/p>\n<table>\n<thead>\n<tr>\n<td>Features<\/td>\n<td>Bonus<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Grocery<\/td>\n<td>+2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td>Gas<\/td>\n<td>+2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td>All other purchases<\/td>\n<td>+0,5&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td>Rideshare Services (Average Network Cashback)<\/td>\n<td>+4&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td>Restaurants (Average Network Cashback)<\/td>\n<td>+6&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td>Food Delivery (Average Network Cashback)<\/td>\n<td>+4&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td>Streaming (Average Network Cashback)<\/td>\n<td>+4&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td>Shopping (Average Network Cashback)<\/td>\n<td>+1&nbsp;%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Cashback with certain partners can be even higher.<\/p>\n<p>[\/vc_column_text][vc_message icon_fontawesome=&#8221;fas fa-calculator&#8221; css=&#8221;&#8221;]<\/p>\n<p>Is Premium worth it? It all depends on how much you spend and where you shop. To justify the <span class=\"nowrap\">$9.99<\/span> monthly fee, you need to spend <span class=\"nowrap\">$500<\/span> on groceries and gas every month.<\/p>\n<p>[\/vc_message][vc_custom_heading text=&#8221;Other plans&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;other_plans&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In addition to the Privilege Extra, Neo offers other extras available as monthly subscriptions, such as:<\/p>\n<ul>\n<li>Travel ($7.99) \u2013 Not available in Quebec<\/li>\n<\/ul>\n<p>These extras offer bonus cash rebates on certain expenses, plus special benefits such as insurance.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;469110&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Claiming Your Cash Rewards&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;claiming_your_cash_rewards&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To redeem cash rewards, simply go to the mobile app and tap on the rebate total in the top left-hand corner. Then tap on &#8220;Cash out&#8221;.  You can choose whether you want to cash out your rewards to the <a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a> or any eligible Neo account.<\/p>\n<p>You can claim your rewards at any time. No need to wait for a statement or the end of the month to cash out your rewards.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;352752&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;352754&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;352756&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Paying Your Neo Mastercard&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;paying_your_neo_mastercard&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Payment for the <a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a> can be made in two ways:<\/p>\n<ul>\n<li>Via the Neo App if you have a <a href=\"https:\/\/milesopedia.com\/comptes-cheques\/compte-neo-argent\/\">Neo Everyday account<\/a><\/li>\n<li>Via your banking institution<\/li>\n<\/ul>\n<p>If you do not have a Neo Everyday account, visit your bank&#8217;s website. Then, add Neo as a payee and make the payment as you would for any regular bill.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"179267\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Neo Mastercard Abroad&#8221; css=&#8221;&#8221; el_id=&#8221;neo_mastercard_abroad&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>As the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-neo\/\">Neo Mastercard<\/a> is a partner of the Mastercard network, it works almost anywhere in the world. Just use it like any other credit card, where Mastercard is accepted.<\/p>\n<p>However, Neo has no partners abroad. Therefore, it is not possible to earn cashback rewards abroad with the Neo card, unless you are subscribed to the Travel extra.<\/p>\n<p>Finally, Neo <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-currency-exchange-travel\/\">charges a 2.5% fee on foreign currency transactions<\/a>. This is also the case for the vast majority of credit cards in Canada, except for a few. Read <a href=\"https:\/\/milesopedia.com\/en\/avis\/cartes-credit\/best-no-foreign-transaction-fees-cards\/\">our guide to the best no-conversion-fee credit cards<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-foreign-currency\/\">our top tips for saving on foreign currency transactions<\/a>, and <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/card-wise-withdrawal-foreign-currency\/\">our tips for saving on ATM withdrawals<\/a>. <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"217813,88339,247123\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In summary, <a target=\"_blank\" href=\"https:\/\/get.neofinancial.com\/credit\/fr\/affiliate\/?utm_source=fintel&amp;utm_medium=affiliate&amp;utm_campaign=standard_credit&amp;utm_content=web&amp;utm_term=genericfrench&amp;nf_cv=F1NT3LN3O&amp;brand=generic&amp;product=neo_standard_credit&amp;=&amp;af_sub4=78298347\">Neo Financial<\/a> represents an attractive option for earning cashback, especially with their network of 10,000 partners across Canada. Among their products, the <a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a> offers instant cashback on your daily spending, calculated based on the card type rather than the balance of the <a target=\"_blank\" href=\"https:\/\/get.neofinancial.com\/money\/fr\/affiliate\/?utm_source=fintel&amp;utm_medium=affiliate&amp;utm_campaign=everyday_savings&amp;utm_content=web&amp;utm_term=genericfrench&amp;nf_cv=F1NT3LN3O&amp;brand=generic&amp;product=money_card&amp;=&amp;af_sub4=78298351\">Neo Everyday account<\/a>. Plus, earn enhanced rewards by adding the Privilege Extra or the Travel Extra.<\/p>\n<p>If you would like to learn more about Neo&#8217;s other financial products, please consult our guides:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"348132,179568,414004,142781\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Frequently Asked Questions About Neo Mastercard&#8221; css=&#8221;&#8221; el_id=&#8221;frequently_asked_questions_about_neo_mastercard&#8221;][vc_toggle title=&#8221;What is the Neo Mastercard?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/go\/neo\/\">Neo Mastercard<\/a> is one of the cards offered by Neo Financial. with no annual fees and no minimum income requirement, allowing you to earn instant cashback on your purchases, calculated based on the card type rather than the balance of the Neo Everyday account. To earn even more rewards, you can subscribe to packages such as the Privilege Extra or the Travel Extra.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Is Neo Financial available in Quebec?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, the <a href=\"https:\/\/milesopedia.com\/go\/neo\/\">Neo Mastercard<\/a> is offered in Quebec. However, the Travel extra is not offered in Quebec.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Can I use my Neo Mastercard anywhere?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-neo\/\">Neo Mastercard<\/a> is a partner of the Mastercard network, so you can use it anywhere Mastercard is accepted.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Which is Neo&apos;s best Mastercard?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Neo Financial offers several Mastercard cards: <a title=\"Neo Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo\/\" rel=\"noindex\">Neo Mastercard<\/a> (no annual fees or income requirement), <a title=\"Neo World Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/go\/neo-world-mastercard\/\" rel=\"noindex\">Neo World Mastercard<sup>&reg;<\/sup><\/a> (no annual fees), and <a title=\"Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/go\/neo-mastercard-world-elite\/\" rel=\"noindex\">NNeo World Elite<sup>&reg;<\/sup> Mastercard<\/a> (annual fee of $125). The best Neo Mastercard is the one that matches your financial situation and needs.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How can I contact Neo customer service?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>You can <a target=\"_blank\" href=\"https:\/\/www.neofinancial.com\/support\/contact\">chat with the support team<\/a> every day from 7 a.m. to 8 p.m. You must be logged in to your account to chat.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In this article, we explain how to maximize your rewards with the Neo Mastercard, which now offers a simplified and uniform cashback structure based on the card type, rather than on the balance of your Neo Everyday account.<\/p>","protected":false},"author":2468,"featured_media":351826,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-352964","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-neo-en","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":166386,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Maximize Your Rewards with the Neo Mastercard | Milesopedia<\/title>\n<meta name=\"description\" content=\"In this article, we explain how to maximize your rewards with the Neo Mastercard, which offers cash back on your purchases.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/maximizing-rewards-neo-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maximize Your Rewards with the Neo Mastercard\" \/>\n<meta property=\"og:description\" content=\"In this article, we explain how to maximize your rewards with the Neo Mastercard, which offers cash back on your purchases.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/maximizing-rewards-neo-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-07T11:35:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-22T15:59:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/02\/Neo-recompenses-2400x1260-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"840\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alexandrine Bertrand\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" 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