Earn and redeem across United and the Star Alliance network — over 25 airlines, hundreds of destinations, all on one card.
Welcome Bonus: up to 20,000 MileagePlus miles
• 5,000 miles on card activation and first transaction • Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application
Renewal Bonus: 5,000 miles per year when account remains open and active with eligible spend within 365 days
FEATURES
Earn Rates
1.25 miles per $1 on United & Star Alliance flights
1 mile per $1 on dining & groceries
0.75 miles per $1 everywhere else
Bonus miles through Neo's merchant 10K+ partner network
How the Miles Work
Cardholders earn MileagePlus miles on every eligible purchase. Miles are calculated monthly and transferred to their United MileagePlus account. Miles can be redeemed through the United MileagePlus program for:
Flights on United Airlines and 25+ Star Alliance partner airlines
Flight upgrades
Hotel stays, car rentals, and more through MileagePlus partners
MileagePlus miles remain active as long as you earn or redeem at least once every 18 months
Card Benefits
Free first checked bag: Your first checked bag is covered on United-operated flights
Priority boarding: Be among the first to board with Group 2 priority boarding for you and your travel companions
Nexus fee credit: Up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal
Star Alliance Global Network: Earn and redeem MileagePlus miles across United Airlines and 25+ Star Alliance partner airlines worldwide, including Air Canada, Lufthansa, and more
Save at least 10% on every United award flight. Premier members with a United card save at least 15%
Access to additional Saver Award seat inventory in United Polaris Business Class — availability not open to non-cardholders
Earn more miles on standard United tickets, with additional miles stacked on top when you pay with the card
Insurances*
Emergency Medical Insurance
Comprehensive Travel Insurance
Extended Warranty & Purchase Protection
Auto Rental Collision Loss Damage
World Elite Benefits
Mastercard Zero Liability
Mastercard Global Service
Mastercard Travel Pass
Access to 1,400+ airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit fee will apply.
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
Quebec: Purchase rate (19.99%-25.24%) and cash advance rate (21.99%-25.24%)
* (Chubb | Travel insurance not available in Quebec)
Terms and conditions apply. See Neo app for details.
Legal Disclaimer
Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard 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 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.
Neo Financial™ and United Airlines are separate entities. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Benefits and offers are subject to change. See neofinancial.com/legal for full terms.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Welcome Bonus up to 20,000 MileagePlus miles + Renewal Bonus of 5,000 miles per year
On Going Rewards 1st: Redeem for flights, flight upgrades, hotel stays, car rentals, and more
On Going Rewards 2nd: Free first checked bag, Priority boarding, Nexus fee credit,
GCR Rebate: 100
GCR Rebate
$100
Initial Rewards
Up to 20,000 MileagePlus miles
Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.
NOTE: You must contact GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.
-
Neo World Elite® Mastercard - Shop and Dine
Earn 5% every time you dine out or order in, and 3% on retail shopping — the card built for how you actually enjoy spending.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
Cashback redeemable at anytime
Premium insurance coverage
Everyday Cashback
5% cashback on food & drink up to $1,000 spend per month, 1% thereafter*
3% cashback on shopping up to $1,000 spend per month, 1% thereafter*
1% cashback on everything else, unlimited*
Additional Card Benefits:
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Comprehensive Travel Insurance
Emergency medical, trip cancellation/interruption, delayed and lost baggage, flight delay coverage, and more (not available for Quebec residents)
Auto Rental Collision/Loss Damage Insurance
Coverage for damages or theft on rental vehicles
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Earn 5% every time you dine out or order in, and 3% on retail shopping
On Going Rewards 1st: Earn up to 15% at over 10,000 businesses across Canada through the Neo app
On Going Rewards 2nd: Comprehensive Insurance
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
5% on dining and 3% on retail
Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World Elite card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
-
Neo World Elite® Mastercard - Gas and Grocery
Earn 5% on groceries, 4% on recurring payments, and 3% on gas — the card that works hardest where Canadians spend the most.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
Cashback redeemable at anytime
Premium insurance coverage
Everyday Cashback
5% cashback on groceries up to $1,000 spend per month, 1% thereafter*
4% cashback on recurring payments up to $500 spend per month, 1% thereafter*
3% cashback on gas and EV charging up to $1,000 spend per month, 1% thereafter*
1% cashback on everything else, unlimited*
Additional Card Benefits:
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Comprehensive Travel Insurance
Emergency medical, trip cancellation/interruption, delayed and lost baggage, flight delay coverage, and more (not available for Quebec residents)
Auto Rental Collision/Loss Damage Insurance
Coverage for damages or theft on rental vehicles
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Earn 5% on groceries, 4% on recurring payments, and 3% on gas
On Going Rewards 1st: Earn up to 15% at over 10,000 businesses across Canada through the Neo app
On Going Rewards 2nd: Comprehensive Insurance
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
Up to 5% on groceries gas and recurring payments
Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World Elite card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
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Neo World Elite® Mastercard - Everywhere
2% cashback on everything. No categories to track. Just cashback.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
Cashback redeemable at anytime
Premium insurance coverage
Everyday Cashback
2% cashback on everything up to $4,000 spend per month, 1% thereafter, unlimited *
Additional Card Benefits:
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Comprehensive Travel Insurance
Emergency medical, trip cancellation/interruption, delayed and lost baggage, flight delay coverage, and more (not available for Quebec residents)
Auto Rental Collision/Loss Damage Insurance
Coverage for damages or theft on rental vehicles
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: 2% cashback on everything. No categories to track
On Going Rewards 1st: Earn up to 15% at over 10,000 businesses across Canada through the Neo app
On Going Rewards 2nd: Comprehensive Insurance
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
2% cashback
Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World Elite card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
-
Neo World Mastercard® - Gas and Grocery
Get 2% on gas, groceries, and recurring payments with no annual fee.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
No annual fee
Cashback redeemable at anytime
Everyday Cashback
2% cashback on groceries up to $1,000 spend per month, 0.5% thereafter*
2% cashback on recurring payments up to $500 spend per month, 0.5% thereafter*
2% cashback on gas and EV charging up to $1,000 spend per month, 0.5% thereafter*
0.5% cashback back on everything else, unlimited*
Additional Card Benefits
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Earn up to 15% at over 10,000 businesses across Canada
On Going Rewards 1st: Mastercard Zero Liability
On Going Rewards 2nd: Extended Warranty and Purchase Protection
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
Get 2% on gas, groceries, and recurring payments with no annual fee.
Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
-
Neo World Mastercard® - Shop and Dine
Earn 2% shopping and dining cashback rate, plus no annual fee.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
No annual fee
Cashback redeemable at anytime
Everyday Cashback
2% cashback on food & drink up to $500 spend per month, 1% thereafter*
2% cashback on shopping up to $500 spend per month, 1% thereafter*
0.5% cashback on everything else, unlimited*
Additional Card Benefits
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Earn 2% shopping and dining cashback rate, plus no annual fee.
On Going Rewards 1st: Earn up to 15% at over 10,000 businesses across Canada
On Going Rewards 2nd: Mastercard Zero Liability, Extended Warranty and Purchase Protection
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
Earn 2% cashback
Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
-
Neo World Mastercard® - Everywhere
Earn 1% cashback on everything and no annual fee.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
No annual fee
Cashback redeemable at anytime
Everyday Cashback
1% on everything with no spend limit*
Additional Card Benefits
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Earn 1% cashback on everything and no annual fee.
On Going Rewards 1st: Earn up to 15% at over 10,000 businesses across Canada
On Going Rewards 2nd: Mastercard Zero Liability, Extended Warranty and Purchase Protection
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
Earn 1% cashback
Credit Needed
NA
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
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Neo Mastercard®
Canada’s first credit card designed to grow with you.
Start today and get approved instantly. We’ll help you build your credit and borrow better.
FEATURES
Guaranteed*, instant approval and access to virtual card to start using immediately
Credit limit increases in as little as 3 months*
No annual fees, no overlimit fees and unlimited transactions
Add one additional cardholder and earn cashback twice as fast
Up to 15% back at over 10,000 Neo partners across Canada
Everyday cashback
1% cashback on groceries
1% cashback on gas & EV charging
Insurances/Other:
Mastercard Zero Liability
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
On Going Rewards 1st: Earn an average 5%+ cashback at thousands of partners and at least 1%² cashback guaranteed
On Going Rewards 2nd: No annual fees, no overlimit fees and unlimited transactions
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
Unlimited transactions, no annual fees
Credit Needed
Good
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.
• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Secured Neo Mastercard
Start building with Canada’s first credit card designed to grow with you.
Guaranteed, instant approval whether you’re just starting out, or looking to build or rebuild your credit. Plus get a $25 sign up bonus!
FEATURES
A physical and digital secured card that doesn't require a hard credit check
No income or credit score requirements
Guaranteed, instant approval* with access to your virtual card to start using immediately
Earns cashback on everyday spending
Up to 15% back at over 10,000 Neo partners across Canada
Security funds minimum of only $50
~ $7.99/month
Everyday cashback
1% cashback on gas & groceries
Insurances/Other:
Mastercard Zero Liability
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec: Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Initial Rewards: Earns cashback on everyday spending
On Going Rewards 1st: 1% cashback on gas & groceries
On Going Rewards 2nd: Up to 15% back at over 10,000 Neo partners across Canada
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
Build or rebuild your credit. No income or credit score requirements.
Credit Needed
NA
Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Minimum account funding of $50 required.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.
• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
GCR Rebate
Initial Rewards
Credit Needed
United® MileagePlus® Neo World Elite® Mastercard
$100
Up to 20,000 MileagePlus miles
Welcome Bonus up to 20,000 MileagePlus miles + Renewal Bonus of 5,000 miles per year
Earn and redeem across United and the Star Alliance network — over 25 airlines, hundreds of destinations, all on one card.
Welcome Bonus: up to 20,000 MileagePlus miles
• 5,000 miles on card activation and first transaction • Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application
Renewal Bonus: 5,000 miles per year when account remains open and active with eligible spend within 365 days
FEATURES
Earn Rates
1.25 miles per $1 on United & Star Alliance flights
1 mile per $1 on dining & groceries
0.75 miles per $1 everywhere else
Bonus miles through Neo's merchant 10K+ partner network
How the Miles Work
Cardholders earn MileagePlus miles on every eligible purchase. Miles are calculated monthly and transferred to their United MileagePlus account. Miles can be redeemed through the United MileagePlus program for:
Flights on United Airlines and 25+ Star Alliance partner airlines
Flight upgrades
Hotel stays, car rentals, and more through MileagePlus partners
MileagePlus miles remain active as long as you earn or redeem at least once every 18 months
Card Benefits
Free first checked bag: Your first checked bag is covered on United-operated flights
Priority boarding: Be among the first to board with Group 2 priority boarding for you and your travel companions
Nexus fee credit: Up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal
Star Alliance Global Network: Earn and redeem MileagePlus miles across United Airlines and 25+ Star Alliance partner airlines worldwide, including Air Canada, Lufthansa, and more
Save at least 10% on every United award flight. Premier members with a United card save at least 15%
Access to additional Saver Award seat inventory in United Polaris Business Class — availability not open to non-cardholders
Earn more miles on standard United tickets, with additional miles stacked on top when you pay with the card
Insurances*
Emergency Medical Insurance
Comprehensive Travel Insurance
Extended Warranty & Purchase Protection
Auto Rental Collision Loss Damage
World Elite Benefits
Mastercard Zero Liability
Mastercard Global Service
Mastercard Travel Pass
Access to 1,400+ airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit fee will apply.
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
Quebec: Purchase rate (19.99%-25.24%) and cash advance rate (21.99%-25.24%)
* (Chubb | Travel insurance not available in Quebec)
Terms and conditions apply. See Neo app for details.
Legal Disclaimer
Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard 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 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.
Neo Financial™ and United Airlines are separate entities. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Benefits and offers are subject to change. See neofinancial.com/legal for full terms.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.
NOTE: You must contact GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.
Neo World Elite® Mastercard - Shop and Dine
$125
5% on dining and 3% on retail
Earn 5% every time you dine out or order in, and 3% on retail shopping
Earn 5% every time you dine out or order in, and 3% on retail shopping — the card built for how you actually enjoy spending.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
Cashback redeemable at anytime
Premium insurance coverage
Everyday Cashback
5% cashback on food & drink up to $1,000 spend per month, 1% thereafter*
3% cashback on shopping up to $1,000 spend per month, 1% thereafter*
1% cashback on everything else, unlimited*
Additional Card Benefits:
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Comprehensive Travel Insurance
Emergency medical, trip cancellation/interruption, delayed and lost baggage, flight delay coverage, and more (not available for Quebec residents)
Auto Rental Collision/Loss Damage Insurance
Coverage for damages or theft on rental vehicles
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World Elite card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
Neo World Elite® Mastercard - Gas and Grocery
$125
Up to 5% on groceries gas and recurring payments
Earn 5% on groceries, 4% on recurring payments, and 3% on gas
Earn 5% on groceries, 4% on recurring payments, and 3% on gas — the card that works hardest where Canadians spend the most.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
Cashback redeemable at anytime
Premium insurance coverage
Everyday Cashback
5% cashback on groceries up to $1,000 spend per month, 1% thereafter*
4% cashback on recurring payments up to $500 spend per month, 1% thereafter*
3% cashback on gas and EV charging up to $1,000 spend per month, 1% thereafter*
1% cashback on everything else, unlimited*
Additional Card Benefits:
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Comprehensive Travel Insurance
Emergency medical, trip cancellation/interruption, delayed and lost baggage, flight delay coverage, and more (not available for Quebec residents)
Auto Rental Collision/Loss Damage Insurance
Coverage for damages or theft on rental vehicles
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World Elite card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
Neo World Elite® Mastercard - Everywhere
$125
2% cashback
2% cashback on everything. No categories to track
2% cashback on everything. No categories to track. Just cashback.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
Cashback redeemable at anytime
Premium insurance coverage
Everyday Cashback
2% cashback on everything up to $4,000 spend per month, 1% thereafter, unlimited *
Additional Card Benefits:
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Comprehensive Travel Insurance
Emergency medical, trip cancellation/interruption, delayed and lost baggage, flight delay coverage, and more (not available for Quebec residents)
Auto Rental Collision/Loss Damage Insurance
Coverage for damages or theft on rental vehicles
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World Elite card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
Neo World Mastercard® - Gas and Grocery
$50
Get 2% on gas, groceries, and recurring payments with no annual fee.
Earn up to 15% at over 10,000 businesses across Canada
Get 2% on gas, groceries, and recurring payments with no annual fee.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
No annual fee
Cashback redeemable at anytime
Everyday Cashback
2% cashback on groceries up to $1,000 spend per month, 0.5% thereafter*
2% cashback on recurring payments up to $500 spend per month, 0.5% thereafter*
2% cashback on gas and EV charging up to $1,000 spend per month, 0.5% thereafter*
0.5% cashback back on everything else, unlimited*
Additional Card Benefits
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
Neo World Mastercard® - Shop and Dine
$50
Earn 2% cashback
Earn 2% shopping and dining cashback rate, plus no annual fee.
Earn 2% shopping and dining cashback rate, plus no annual fee.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
No annual fee
Cashback redeemable at anytime
Everyday Cashback
2% cashback on food & drink up to $500 spend per month, 1% thereafter*
2% cashback on shopping up to $500 spend per month, 1% thereafter*
0.5% cashback on everything else, unlimited*
Additional Card Benefits
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
Neo World Mastercard® - Everywhere
$50
Earn 1% cashback
Earn 1% cashback on everything and no annual fee.
Earn 1% cashback on everything and no annual fee.
FEATURES
Earn up to 15% at over 10,000 businesses across Canada through the Neo app
No annual fee
Cashback redeemable at anytime
Everyday Cashback
1% on everything with no spend limit*
Additional Card Benefits
Mastercard Zero Liability
Full protection against unauthorized transactions
Extended Warranty
Coverage extends manufacturer warranties on eligible purchases
Purchase Protection
Coverage for damaged or stolen items
Mastercard Global Service
Emergency card replacement and cash advance access worldwide
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• Cash Back offered on only 1 Neo World card category.
NOTE: Please contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
Neo Mastercard®
$60
Unlimited transactions, no annual fees
Good
Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
Canada’s first credit card designed to grow with you.
Start today and get approved instantly. We’ll help you build your credit and borrow better.
FEATURES
Guaranteed*, instant approval and access to virtual card to start using immediately
Credit limit increases in as little as 3 months*
No annual fees, no overlimit fees and unlimited transactions
Add one additional cardholder and earn cashback twice as fast
Up to 15% back at over 10,000 Neo partners across Canada
Everyday cashback
1% cashback on groceries
1% cashback on gas & EV charging
Insurances/Other:
Mastercard Zero Liability
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.
• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
Secured Neo Mastercard
$60
Build or rebuild your credit. No income or credit score requirements.
Earns cashback on everyday spending
Start building with Canada’s first credit card designed to grow with you.
Guaranteed, instant approval whether you’re just starting out, or looking to build or rebuild your credit. Plus get a $25 sign up bonus!
FEATURES
A physical and digital secured card that doesn't require a hard credit check
No income or credit score requirements
Guaranteed, instant approval* with access to your virtual card to start using immediately
Earns cashback on everyday spending
Up to 15% back at over 10,000 Neo partners across Canada
Security funds minimum of only $50
~ $7.99/month
Everyday cashback
1% cashback on gas & groceries
Insurances/Other:
Mastercard Zero Liability
Interest Rates
Purchase Credit Rate: 19.99% – 29.99%
Cash Advance Rate: 22.99% – 31.99%
For Quebec: Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%)
* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.
Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Minimum account funding of $50 required.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.
• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
Get 25% Referral Bonus Get paid in cash 25% of all cash back rebates all your referrals collect
Great Canadian Rebates works in partnership with over 900 well known merchants. These outlets already offer great deals and savings, you save even more when you shop online as a member here. Once you register, you can save through Cash Back Rebates and even more using our coupons, deals, discounts and sales links.
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