Best Neo Credit Cards in Canada - September 2026

• Exclusive offer (until October 12, 2026): $100 cash back after $1,500 in eligible purchases within the first 3 months
• $149 annual fee waived for the first year
• 5% cash back on groceries (up to $1,000/month, then 1%)
• 4% on recurring payments (up to $500/month, then 1%)
• 3% on gas and electric vehicle charging (up to $1,000/month, then 1%)
• 1% cash back everywhere else, with no cap
• Mastercard World Elite^® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history, ideal for newcomers to Canada (same cash back rates)

• Exclusive offer (until October 12, 2026): $100 cash back after $1,500 in eligible purchases within the first 3 months
• $149 annual fee waived for the first year
• 2% cash back on all purchases (up to $4,000/month, then 1% with no cap)
• No categories to manage
• Mastercard World Elite^® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history, ideal for newcomers to Canada (same cash back rates)

• Exclusive offer (until October 12, 2026): $100 cash back after $1,500 in eligible purchases within the first 3 months
• $149 annual fee waived for the first year
• 5% cash back on restaurants, bars and fast food (up to $1,000/month, then 1%)
• 3% on shopping: clothing, shoes, electronics, home and garden, and more (up to $1,000/month, then 1%)
• 1% cash back everywhere else, with no cap
• Mastercard World Elite^® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history, ideal for newcomers to Canada (same cash back rates)

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

• Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
• 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

• 2 Asia Miles for every $1 spent on purchases made in foreign currencies
• 4 Asia Miles per dollar on Cathay Pacific purchases
• 5 Asia Miles per dollar on average at thousands of Neo partners across the country
• 1 Asia Mile per dollar on purchases made in Canada
• Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
• Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
• Access over 1,300 airport lounges worldwide with DragonPass
• Avoid queues with Mastercard’s Fast Track service at security checkpoints

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

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 the account remains open and active with eligible spend within 365 days

Mile Earn Rates

• 1.25 miles per $1 on United and Star Alliance flights
• 1 mile per $1 on dining and groceries
• 0.75 miles per $1 everywhere else
• Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners

Benefits of the card

• Free First checked bag: Your first checked bag is covered on all your United-operated flights.
• Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
• Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
• Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.

World Elite Mastercard Benefits

• Mastercard Zero Liability
• Mastercard Global Service
• Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.

Insurance

• Emergency medical insurance
• Comprehensive Travel Insurance
• Extended Warranty and Purchase Protection
• Car Rental Collision and Damage Insurance

Chubb travel insurance is not offered in Quebec.

Maximize your travel: earn more miles on every flight

When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.

Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.

Get more value from your miles

As a United cardholder, your miles are worth more—and give you access to more options.

You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.

In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris^® business class, which are not always available to non-cardholders.

In practical terms, this means:

• You spend fewer miles on your flights
• You gain access to better seats and more options
• You can book travel experiences that are unavailable to other members

• 2% cash back on groceries (up to $1,000/month, then 0.5%)
• 2% on gas and EV charging (up to $1,000/month, then 0.5%)
• 2% on recurring payments (up to $500/month, then 0.5%)
• 0.5% cash back everywhere else, with no cap
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• No annual fee ($0)
• Secured option to build credit history (same cash back rates)

A game-changer card for teens

A card designed for teens and great for all. The JA Money card—powered by Neo gives you the tools to manage your money, save smarter, and get rewarded.

Exclusive cashback offers at Neo partners

• Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
• Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
• Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
• Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
• Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
• And more: Use the Neo app to discover over 10,000 places to earn rewards— it’s like the Google Maps of cashback.

Features and benefits

• Get notified in real time: Know what’s happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
• Safe, secure deposits: Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.
• Advanced app security: Protect your account with Face ID, fingerprint lock, and two-factor authentication.

• 1% cash back on all purchases, with no cap or categories to manage
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• No annual fee ($0)
• Secured option to build credit history (same cash back rates)

• 2% cash back on restaurants, bars, and fast food (up to $500/month, then 0.5%)
• 2% on retail: clothing, footwear, electronics, home and garden, and more (up to $500/month, then 0.5%)
• 0.5% cash back everywhere else, with no cap
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• No annual fee ($0)
• Secured option to build credit history (same cash back rates)

Everyday cashback

• 6% on average on restaurants, bars and cafés
• 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
• Up to 3% on gas and groceries

Features and benefits

• Personalized insights powered by generative chat AI (coming soon)
• Digital card available to use immediately
• Get cashback at thousands of local and national partners