Neo Financial · Mastercard
Neo World Elite Mastercard – Everywhere
Cash back
Welcome offer
Verified · Oct 4No public welcome offer right now
A version with $100 cash back and first year free is offered through partner channels, but it is not on the public pages of the Neo website.
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $149
- Foreign transaction fee
- 2.5%
- Purchase rate
- 19.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $80,000 or Household $150,000
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 4, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 4, 2026No public welcome offerAnnual fee $149
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 2% |
| Dining and delivery | 2% |
| Gas and EV charging | 2% |
| Recurring bills | 2% |
| Transit | 2% |
| Drugstores | 2% |
| Travel | 2% |
| Entertainment | 2% |
| Phone and internet | 2% |
| Streaming | 2% |
| Online shopping | 2% |
| Convenience stores | 2% |
| Office supplies | 2% |
| Other spending | 2% |
Checked against the issuer's page on October 10, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $1,000,000, 14 day(s)
- Trip cancellation
- $1,000
- Trip interruption
- $1,000
- Flight delay
- $250
- Baggage delay
- $1,000
- Lost baggage
- Included
- Rental car collision
- $65,000, 48 day(s)
- Hotel burglary
- $1,000
- Extended warranty
- 1 year
- Purchase protection
- $1,000, 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.