Neo Financial Mastercard
MastercardFX: 2.5%No Annual FeeCash Back

Neo Financial

Neo Financial Mastercard

Neo Cash Back

First Year Bonus

~$275

Welcome Bonus

None

Annual Fee

$0

Spend Required

None

Apply via rebate portal

Get notified when this offer goes elevated

We'll email you if Neo Financial Mastercard runs a higher-than-normal welcome bonus.

Data verified Apr 1, 2026

Earn rates

5%+
Neo partner merchants
0.5%
everywhere else

Points value: 1¢ per cash back dollar

Lounge access

No lounge access

Additional perks

  • No annual fee
  • Variable cash back — averages 5%+ at Neo partners like Amazon, Loblaws & hundreds more
  • Instant cash back paid monthly

Insurance coverage

Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty

Card details

NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramNeo Cash Back