canadacash backends in 3dyr 1 free

Neo World Elite Mastercard

5% groceries to $1k/mo is strong, $149 after year one. other variants exist.

annual fee

$149

welcome bonus

$100

first-year fee waived

foreign transaction fee

2.5%

earn rates

groceries · 1% after · up to $1,000/month5%

gas + ev · incl. ev charging · up to $1,000/month3%

everything else1%

at recurring payments · up to $500/month4%

store-only rates show here but aren't counted in your wallet math.

spend $1,500 in 3 months · $100 after $1,500 in 3 months$100

ends Oct 12, 2026

travel medical $1m/14 days, trip cancel/interrupt $1,000, baggage, flight delay $250, rental car

always confirm current terms with the issuer before applying. pointlss isn't affiliated with neo financial. see disclosures.