Neo

Neo Money Card

MastercardCashback

Compare

on Neo's website

Annual Fee

Welcome Bonus

—

Bonus Value

—

Estimated value

1st Year Value

$120

✓

Pros

✓No annual fee

✗

Cons

✗Foreign Transaction Fee (2.5%)
✗No purchase protection

Our Review

With the Neo Money™ card, you get up to 6% cash back:

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

Rewards

All Spending

Cashback pts per dollar

Groceries

Gas

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries1x

$400/month

Gas1x

$300/month

Restaurants0x

$160/month

Recurring0x

$300/month

All other spending0x

$700/month

Points Earned

8,400

Cashback/yr

Estimated Value

$84

After Fees

+$84

1st Year Value

$84

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 1x

4,800 pts

Gas$3,600/yr × 1x

3,600 pts

Restaurants$1,920/yr × 0x

0 pts

Recurring$3,600/yr × 0x

0 pts

All other spending$8,400/yr × 0x

0 pts

Total annual spend$22,320

Monthly spend$1,860

Average earn rate0.38x

Total points earned8,400 pts

Terms & Conditions

Card Features

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

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Neo. All trademarks are property of their respective owners.

Terms & Conditions

Card Features

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