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
