Rewards
Base earn rate1% cashback on everything else
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$149
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Instant virtual card - Start spending before your physical card arrives
✈️
Mastercard Travel benefits and a membership for lounge access
⭐
Manage your card online - Freeze your card, check your PIN, and track spending
⭐
Add an additional cardholder - Share access with a partner, family member, or anyone you trust
⭐
Auto-Pay - Set it and forget it with automatic payments
⭐
Real-time alerts - Get notified when your card is used
⭐
Advanced fraud monitoring - Neo uses AI to monitor for unusual activity
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
travel medical
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident