Get more from your money 

* Earnings for the Neo Cash account are derived from the interest Neo earns on the funds. Neo shares interest at the advertised rate of return for the Neo Cash account, and earnings are calculated daily on the total closing balance a paid monthly. Rates are per annum. Minimum combined balances across Neo Cash, Neo Everyday, and Neo High-Interest Savings accounts required to earn boosted rates, which will only be applied and paid to your Neo Cash account balance. The minimum combined balance required to qualify and the corresponding rates are subject to change without notice. Balances in Neo Invest are not included in the increased rate calculation. See the Neo app for details. 

¹ When you make payments in full and on time each month.

² Cashback earn subject to monthly spend limit. When monthly spend limit is reached, earn rate decreases for subsequent spending. Spend limit resets monthly. Minimum balance required to earn the highest rate. For more information, visit the Neo app. 



³ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Value increase is an average and depends on card use. Offer is subject to the Rewards Policy. Offer may be amended or cancelled at any time without notice.

⁴ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.

⁵ Except in Quebec where the amount of the security funds is a variable amongst others, which helps establish your credit limit.

⁶ For Quebec: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-24.99%).

⁷ The primary cardmember is eligible to receive one (1) standard checked bag free per reservation. To qualify, you must (i) be the primary cardmember at the time of check-in, (ii) include the United MileagePlus® Loyalty Program Account Number in the reservation, and (iii) use the United® MileagePlus® Neo World Elite® Mastercard to purchase the applicable ticket(s). Additional users and travelling companions are not eligible for this benefit. This benefit is only available on flights operated by United or United Express; codeshare flights are not eligible. Unpublished fares, such as those purchased through third-party discount platforms (including but not limited to priceline.com and Hotwire), are not eligible. Checked bags must meet applicable weight and size restrictions and may be subject to additional fees. Offer subject to change or cancellation at any time without notice. Other restrictions may apply. Neo Financial® is not responsible for the provision of, or failure to provide, the stated benefits and services. 

⁸ The primary cardmember and companions traveling on the same reservation are eligible for priority boarding; additional cardholders are only eligible if they are on the same reservation as the account owner. To receive priority boarding, the account owner must include their MileagePlus® number in their reservation. Priority boarding is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. MileagePlus® members can board the plane before general boarding, after MileagePlus Premier® members, customers with Premier Access® and travellers requiring special assistance. Neo Financial® is not responsible for the provision of, or failure to provide, the stated benefits and services.

† Conditions apply. Limited one-time offer for new customers who have not opened a Neo deposit account or credit card before the date of application approval. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and 4. for secured cards only, provide security funds. Initial 20,000 Asia Miles are issued once the card is activated. To earn additional 20,000 Asia Miles minimum spend of $5,000 net of refunds must be completed within 3 months from application start date. Asia Miles may be limited and vary by perks, offer, and partner. Offer is subject to the Asia Miles terms and conditions. Neo Financial™ and Cathay reserve the right to amend or withdraw this offer at any time.

* Limited time offer. Terms and conditions apply. See join.neo.cc/cathay15 for details.

Neo Mastercard®, Secured Neo Mastercard®, and Neo World Elite® Mastercard are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated



Mastercard, World Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.

The United® MileagePlus® Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to a license by Mastercard International Incorporated.

The Cathay World Elite® Mastercard® is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

The Cathay World Elite® Mastercard® is not available in Quebec. 

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Frequently Asked Questions

What do I need to join Neo?

You need to live in Canada, have a Canadian photo ID, and be the age of majority in your province to apply for a Neo card.

What is the annual percentage rate (APR)?

The Purchase Credit Rate on the Neo World Elite® Mastercard is 19.99% - 26.99%.

In Newfoundland and Quebec, the Purchase Credit Rate on the Neo World Elite® Mastercard is 19.99% - 23.99%.
The cash advance interest is 22.99% - 28.99%⁶

The Purchase Credit Rate on the Neo World Mastercard® is 19.99% - 29.99%.
In Newfoundland and Quebec, the Purchase Credit Rate on the Neo World Mastercard® is 19.99% - 23.99%.
The cash advance interest rate is 22.99% - 31.99%⁶

The Purchase Credit Rate on the Neo Mastercard is 19.99%-29.99% and the Cash Advance Rate is 22.99%-31.99%.
For Quebec, the Purchase Credit Rate is 19.99%-24.99% and the Cash Advance Rate is 22.99%-25.99%.

Is my money insured?

The Neo Everyday and Neo High-Interest Savings accounts are provided by Peoples Bank of Canada, a CDIC member institution, and are eligible for CDIC deposit protection. Deposits held in Neo Everyday and Neo High-Interest Savings accounts are combined with eligible deposits held at Peoples Bank of Canada, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website cdic.ca

What is the credit limit?

For the Neo World Elite® Mastercard the credit limit is up to $30,000 on approval.
For the Neo World Mastercard® the credit limit is up to $20,000 on approval.
For the Neo Mastercard the credit limit is up to $10,000 on approval.
 
For a Neo World Elite® Mastercard with a secured limit, a minimum deposit of $200 is required, with a maximum credit limit of $10,000.
For a Neo World Mastercard® with a secured limit, a minimum deposit of $50 is required, with a maximum credit limit of $10,000.
For a Neo Mastercard with a secured limit, a minimum deposit of $50 is required, with a maximum credit limit of $10,000.

Do I have to pay fees?

There is an annual fee of $125 for any Neo World Elite® Mastercard.
There is no annual fee for a Neo World Mastercard. There is a $7.99 membership fee for a Neo World Mastercard with a secured limit.
There is no annual fee for a Neo Mastercard. There is a $7.99 membership fee for a Neo Mastercard with a secured limit.

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Start with the some of most competitive cashback rates in Canada

Pick the card that fits your lifestyle

Cards with secured limits available to earn cashback and build credit history

You can redeem cashback rewards in a few ways. You can reduce the balance in your credit account, add the cashback to your Neo Everyday account, or redeem it for merchandise at the Neo Store.

How can I redeem my cashback rewards?

Find the right card for you

United® MileagePlus® Neo World Elite® Mastercard

Earn MileagePlus miles on every purchase

Access to Star Alliance network

Free checked bag⁷ and priority boarding⁸

EARN 3%* INTEREST TO GROW YOUR SAVINGS.

United® MileagePlus® Neo World Elite® Mastercard

Earn MileagePlus miles on every purchase

Access to Star Alliance network

Free checked bag⁷ and priority boarding⁸

United® MileagePlus® Neo World Elite® Mastercard