| GCR Rebate |
|
Initial Rewards |
|
Annual Card Fee |
|
Purchase Rate |
|
Balance Transfer Rate |
|
Cash Advance Rate |
|
|
|
United® MileagePlus® Neo World Elite® Mastercard |
| $100 |
|
Up to 20,000 MileagePlus miles |
|
$89 |
|
19.99 |
|
|
|
22.99 |
| 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 Mastercard® - Everywhere |
| $50 |
|
Earn 1% cashback |
|
$0 |
|
19.99 |
|
|
|
22.99 |
| 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 World Mastercard® - Shop and Dine |
| $50 |
|
Earn 2% cashback |
|
$0 |
|
19.99 |
|
|
|
22.99 |
| 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® - Gas and Grocery |
| $50 |
|
Get 2% on gas, groceries, and recurring payments with no annual fee. |
|
$0 |
|
19.99 |
|
|
|
22.99 |
| 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 Elite® Mastercard - Everywhere |
| $125 |
|
2% cashback |
|
$149 |
|
19.99 |
|
|
|
22.99 |
| 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
- Mastercard Travel Pass (DragonPass)
Access to 1,400+ airport lounges worldwide (membership included; per-visit fee applies)
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 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 - Shop and Dine |
| $125 |
|
5% on dining and 3% on retail |
|
$149 |
|
19.99 |
|
|
|
22.99 |
| 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
- Mastercard Travel Pass (DragonPass)
Access to 1,400+ airport lounges worldwide (membership included; per-visit fee applies)
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 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 |
|
$149 |
|
19.99 |
|
|
|
22.99 |
| 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
- Mastercard Travel Pass (DragonPass)
Access to 1,400+ airport lounges worldwide (membership included; per-visit fee applies)
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 Elite 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 |
|
$0 |
|
19.99 |
|
|
|
22.99 |
| 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. |
|
$96 |
|
19.99 |
|
|
|
22.99 |
| 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.
|
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