Independent ClearFin review · Neo Financial
Start with up to $100 Welcome Bonus.
Current new-cardmember offer
Confirm with the issuer
🚀 Fintech CashbackIts strongest published earn rate in our data is 2.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Available to new Neo World Mastercard cardholders. Terms and conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
The Neo World Mastercard is a World Mastercard product with minimum income requirements of $50,000 personal income or $80,000 household income, typically requiring a stronger credit profile than entry-level credit cards.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Neo Financial does not publish a minimum credit score requirement. Approval is based on multiple factors including income, credit history, debt obligations, payment history, and overall creditworthiness.
Reward limits: Neo does not publish any annual, monthly, or category spending caps on the base earn rates. Cardholders earn 2% cashback on groceries, gas, and recurring bill payments and 0.5% cashback on all other purchases. Cashback offers available through Neo partner merchants may vary by merchant and promotion.
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
Purchase Protection Insurance
Coverage against theft or accidental damage on eligible purchases, plus extended warranty protection.
Extended Warranty
Extends the manufacturer's original warranty on eligible purchases made with the card.
Mastercard Zero Liability
Protection against unauthorized transactions made with your card.
Instant Virtual Card
Start using your card immediately for eligible purchases before the physical card arrives.
Card Management Tools
Freeze or unfreeze your card, view your PIN, monitor spending, and manage your account through the Neo app.
Additional Cardholders
Add an additional cardholder at no extra cost to share access with a trusted family member or partner.
Real-Time Alerts
Receive instant notifications whenever your card is used.
Advanced Fraud Monitoring
AI-powered fraud monitoring helps detect unusual account activity while protecting your personal information.
Auto-Pay
Set up automatic payments to help avoid missed payment due dates.
Secured Credit Option
Option to secure the account with a refundable deposit to help build or strengthen credit history.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
2% on groceries, gas & recurring payments. 0.5% on everything else. Variable partner cashback. No fee.
Groceries, Gas receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
