Canada · October 2026
Neo Financial credit cards
9 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Premium cashback card earning 5% on groceries, 4% on recurring bill payments, 3% on gas and EV charging and 1% on everything else.
Earn: base 1% · groceries 5% · gas 3% · everyday 1%
- Annual fee
- $149 ($149 annual fee)
- Est. net value / yr
- $535
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-25.24%)
- Foreign transaction fee
- 3%
Premium cashback card earning a flat 2% on all purchases up to $4,000 a month, then 1%.
Earn: base 2% · everyday 2%
- Annual fee
- $149 ($149 annual fee)
- Est. net value / yr
- $451
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-25.24%)
- Foreign transaction fee
- 3%
No-fee World Mastercard earning 2% cashback on groceries, recurring bill payments, and gas and EV charging, and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 2% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $312
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-24.50%)
- Foreign transaction fee
- 3%
Earns Asia Miles: 4 per $1 on Cathay Pacific flights, 2 on foreign-currency purchases, 1 on everything else in Canada, with Cathay lounge redemption access and travel insurance.
Earn: base 1 pts · travel 4 pts · everyday 1 pts
- Annual fee
- $180 ($180 annual fee per credit-cards index (Cathay page also says no monthly fees))
- Est. net value / yr
- $310
- Welcome offer
- Up to 35,000 Asia Miles: 15,000 on activation and first purchase, plus 20,000 after $5,000 spend within 3 months
- Purchase rate
- 19.99%-26.99%
- Foreign transaction fee
- 3%
No-fee World Mastercard earning a flat 1% cashback on all purchases.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $300
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-24.50%)
- Foreign transaction fee
- 3%
Premium cashback card earning 5% on food and drink, 3% on shopping and 1% on everything else, with comprehensive travel insurance and lounge access via Mastercard Travel Pass.
Earn: base 1% · dining 5% · everyday 1%
- Annual fee
- $149 ($149 annual fee)
- Est. net value / yr
- $295
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-25.24%)
- Foreign transaction fee
- 3%
Earns MileagePlus miles: 1.25 per $1 on United and Star Alliance flights, 1 on dining and groceries, 0.75 on everything else, with a free first checked bag and priority boarding on United.
Earn: base 0.75 pts · groceries 1 pts · dining 1 pts · travel 1.25 pts · everyday 0.75 pts
- Annual fee
- $89 ($89 annual fee)
- Est. net value / yr
- $239
- Welcome offer
- Up to 25,000 MileagePlus miles: 5,000 on first purchase, 15,000 after $3,000 spend in 3 months, plus 5,000 annual renewal bonus
- Purchase rate
- 19.99% - 29.99%
- Foreign transaction fee
- 3%
No-fee World Mastercard earning 2% cashback on food and drink and on shopping, and 0.5% on everything else.
Earn: base 0.5% · dining 2% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $204
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-24.50%)
- Foreign transaction fee
- 3%
- #9
Neo Mastercard Neo Financial
Entry Neo card (traditional or secured credit limit, approval with any credit history) earning cashback at Neo partners and on gas and groceries, with credit-building tools via the optional Build membership.
- Annual fee
- $0 (No annual fee; secured option requires refundable security funds (from $50) and optional Build membership $9.99/month)
- Purchase rate
- 19.99%-29.99% (Quebec 19.99%-24.99%)
- Foreign transaction fee
- 3%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.