Best Neo Credit Cards in Canada - September 2026 | Sparks and Bloom

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Cathay World Elite Mastercard – powered by Neo

Cathay World Elite® Mastercard – powered by Neo

Neo Cathay Asia Miles

Annual fee: $180
Welcome offerAfter $5,000 in 3 months: Up to 35,000 miles

Features
Issuer: Neo
Network
Loyalty Program: Cathay Asia Miles

Fees and terms
Annual Fee: $180/yr
Min. annual income: $80,000+

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Rewards: Rate
Cathay Pacific flights: 4x

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Neo World Elite Mastercard

Neo World Elite® Mastercard - Gas & Grocery

Neo Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $149
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $249
Welcome offerAfter $1,500 in 3 months: $100 cash back; Ends Oct 12, 2026

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $149/yr
Min. annual income: $80,000+

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Rewards: Rate
Groceries: 5x
Bills & recurring payments: 4x
Gas & EV: 3x

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United MileagePlus Neo World Elite Mastercard

United® MileagePlus® Neo World Elite® Mastercard

Neo United MileagePlus

Annual fee: $89
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $400
Welcome offerAfter $3,000 in 3 months: Up to 25,000 miles

Features
Issuer: Neo
Network
Loyalty Program: United MileagePlus

Fees and terms
Annual Fee: $89/yr
Min. annual income: $80,000+

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Rewards: Rate
United flights: 1.25x
Groceries: 1x
Restaurants: 1x

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Neo World Elite Mastercard

Neo World Elite® Mastercard - Everywhere

Neo Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $149
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $249
Welcome offerAfter $1,500 in 3 months: $100 cash back; Ends Oct 12, 2026

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $149/yr
Min. annual income: $80,000+

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Neo World Elite Mastercard

Neo World Elite® Mastercard - Shop & Dine

Neo Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $149
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $249
Welcome offerAfter $1,500 in 3 months: $100 cash back; Ends Oct 12, 2026

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $149/yr
Min. annual income: $80,000+

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Rewards: Rate
Restaurants: 5x
Online purchases: 3x
Office: 3x

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Neo World Mastercard

Neo World Mastercard® - Gas & Grocery

Neo Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $50,000+

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Rewards: Rate
Groceries: 2x
Gas & EV: 2x
Bills & recurring payments: 2x

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JA Money card—powered by Neo

JA Money card—powered by Neo

Neo Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: —

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Rewards: Rate
Restaurants: 5x
Entertainment: 2x

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Neo World Mastercard

Neo World Mastercard® - Everywhere

Neo Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $50,000+

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Neo World Mastercard

Neo World Mastercard® - Shop & Dine

Neo Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $50,000+

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Rewards: Rate
Restaurants: 2x
Online purchases: 2x
Office: 2x

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Neo Money Card

Neo Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: —

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