Pros & Cons
Pros
- +Purchase protection included
- +Travel medical insurance included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
The Neo World Mastercard® – Everywhere is designed for those who want simple and consistent cash back, without tracking categories. One single rate, 1% on every purchase, with no cap.
With no annual fee, it’s a « set it and forget it » card: no optimization required, no categories to activate. You also benefit from additional cash back at over 10,000 Neo partner merchants, and the cash back is deposited directly into your Neo wallet.
With an instant credit limit of up to $30,000, it’s a hassle-free option to earn rewards on every expense.
Rewards
All Spending
1x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$223
$/yr
Estimated Value
$223
After Fees
+$223
1st Year Value
$223
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $1,000,000 / 14 days
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate19.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$50,000
Household Income
$80,000
Terms & Conditions
Card Features
- 1% cash back on all purchases, with no cap or categories to manage
- Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
- Instant credit limit up to $30,000
- No annual fee ($0)
- Secured option to build credit history (same cash back rates)
Legal
Conditions Apply. See the application for complete details.
Related Cards
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.