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® – Shop & Dine is for those who spend more on dining and retail. You earn 2% cash back on restaurant outings, takeout, and retail purchases, plus 0.5% on all your other purchases.
With no annual fee, it transforms your everyday meals and purchases into cash back, with no points to manage. Neo’s network of over 10,000 partners enhances your earnings, and the cash back accumulates in your Neo wallet, ready to be used at any time.
Please note: purchases on Amazon and at warehouse stores are not eligible for the retail rate.
Rewards
All Spending
0.5x
Cash Back pts per dollar
Entertainment
2x
Office
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$184
$/yr
Estimated Value
$184
After Fees
+$184
1st Year Value
$184
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
- 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
- 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.
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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.