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.
Our review
8.7
4.4(1 review)
James Okonkwo · Editor, cards and deposits
Editorial review — not personal advice and not a promise of approval.
Suits:A digital card where rewards and the fee line are published, and you clear the balance.
Neo Financial is a fintech issuer with live cards in Canada. Compare rewards against the annual fee and the purchase APR. Rewards do not offset revolving interest.
Editorial scores
Cost8.6
Flexibility9.0
Transparency8.8
Service8.4
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 United MileagePlus Neo World Elite Mastercard
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.
Representative example. 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.
How it compares
This card against the next three in this market, on published terms.
How it compares
United MileagePlus Neo World Elite MastercardThis card
Scotiabank Platinum American Express Card
Scotiabank Value Visa Card
Scotiabank Value Visa Card (for students)
Network
Mastercard
American Express
Visa
Visa
Annual fee
$89
$399
$29
$29
Purchase rate
19.99–29.99%
9.99%
13.99%
13.99%
Rewards
0.75 MileagePlus miles/$ on other eligible purchases; 1 on dining and groceries; 1.25 on United and Star Alliance flights. Additional partner offers apply.
2 Scene+ points/$ on eligible purchases; 5 points/$ on eligible hotels and car rentals booked through Scene+ Travel.
This card focuses on borrowing costs or USD spending rather than a points or cashback programme.
This card focuses on borrowing costs or USD spending rather than a points or cashback programme.
APR
19.99%–29.99%
9.99%
13.99%
13.99%
Card type
Consumer
Consumer
Consumer
Consumer
Supervised by
FCAC
FCAC
FCAC
FCAC
Reader reviews
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Other cards in this market
Scotiabank
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Scotiabank Platinum American Express Card
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from Scotiabank
Lowest APR
2–5 pts/$
Rewards
$399
Annual fee
9.99%
Purchase rate
Consumer
Reward points
2 Scene+ points/$ on eligible purchases; 5 points/$ on eligible hotels and car rentals booked through Scene+ Travel.
APR
9.99%
Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
This card focuses on borrowing costs or USD spending rather than a points or cashback programme.
APR
13.99%
Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
This card focuses on borrowing costs or USD spending rather than a points or cashback programme.
APR
13.99%
Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
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.
Scotiabank: Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
