Neo Financial is a fintech issuer with live cards in {market}. Compare rewards against the annual fee and the purchase {rateAbbr}. Rewards do not offset revolving interest.
Cost
8.6
Flexibility
9.0
Transparency
8.8
Service
8.4
James Okonkwo · Editor, cards and deposits · Scores are editorial and do not affect list order, which is set on published price.
Our review
Suits:A digital card where rewards and the fee line are published, and you clear the balance.
What stands out
Live card offers
Digital application
Rewards published on the card
Neo is listed in Canada because there is a live card offer we can attribute. Compare it on credit cards with the fee and APR as published. Fees and interest is the short explainer.
Editorial review — not advice. Supervision: OSFI and the FCAC.
Pros
Cards appear with a working apply link and published fees.
Rewards and fee are separate lines — you can do the net-cost test.
Application is digital; browsing Buckmatch does not pull a file.
Cons
Not a full-service deposit bank on every product we list.
A high purchase APR makes revolving expensive even with rewards.
Questions about Neo Financial
Is Neo a bank?
The live card names the licensed entity behind the product. Read that line; do not assume every Neo product is a deposit account.
Do rewards beat the interest?
Only if you pay the statement in full. Revolving at the purchase rate usually costs more than the rewards pay back.
Products you can apply for
20 products in this market
Credit cards
Neo Financial
•••• •••• •••• 1234
Cathay World Elite Mastercard
Cathay World Elite Mastercard
8.74.4(1)
from Neo Financial
Lowest APR
Asia Miles
Rewards
$180
Annual fee
19.99–26.99%
Purchase rate
Consumer
Reward points
1 Asia Mile/$ on eligible Canadian purchases; 2 miles/$ on foreign-currency purchases. Additional Cathay and partner earn rates apply.
180 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.
Issuer determines eligibility and available card type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
$0 annual fee; no minimum income; extra cardholder $0
1% cash back on groceries and gas/EV charging (standard card)
Credit limit up to $10,000, or a secured limit with Build ($7.99/month)
Pre-approval uses no hard credit check; Canadian photo ID required
APR
19.99%
Credit limit
$10,000
Neo Mastercard has $0 annual fee. Purchase APR 19.99%–29.99%; cash advances 22.99%–31.99%. Quebec purchase 19.99%–24.99%; cash advances 22.99%–25% (FAQ truncated on-page). Rate is set at account level. Traditional limit up to $10,000. Secured option requires refundable security funds and Build membership ($7.99/month). Must live in Canada, have Canadian photo ID, and be the age of majority. Source: neofinancial.com/credit-cards/neo-mastercard, 2026-08-27.
Issuer determines eligibility and available card type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Issuer determines eligibility and available card type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
0.75 MileagePlus miles/$ on other eligible purchases; 1 on dining and groceries; 1.25 on United and Star Alliance flights. Additional partner offers apply.
89 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.
Issuer determines eligibility and available card type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.
Neo Financial: Issuer determines eligibility and available card type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Neo Financial: Secured credit requires security funds and the Build membership, CAD 9.99 per month, in addition to any annual card fee. Issuer determines available card and credit type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Neo Financial: Neo Mastercard has $0 annual fee. Purchase APR 19.99%–29.99%; cash advances 22.99%–31.99%. Quebec purchase 19.99%–24.99%; cash advances 22.99%–25% (FAQ truncated on-page). Rate is set at account level. Traditional limit up to $10,000. Secured option requires refundable security funds and Build membership ($7.99/month). Must live in Canada, have Canadian photo ID, and be the age of majority. Source: neofinancial.com/credit-cards/neo-mastercard, 2026-08-27.
Neo Financial: Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.
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