- Get the Neo Card and earn up to 5% cashback rewards on all purchases, with a 15% welcome bonus for new users.
- Benefit from a 0.5% cashback guarantee and real-time spending insights to help you stay on top of your finances.
- Simplify your savings with automated features that take the guesswork out of your financial goals.
- Enjoy affordable banking without hidden fees or surprise charges.
- Maximize your rewards with higher cashback rates in select categories, including groceries, gas, and dining out.
- Switch to the Neo Card and start enjoying the benefits of modern day banking today.
4.5 / 5.0 (18 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
19.99% - 24.99%*
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Secured)
Card Type:
Build Credit
EMV Chip
Every Day Purchases
Instant Decision
New to Credit
Sign-Up Bonus
Reward Card
Credit Needed:
Grace Period:
up to 21 days*
Min Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):

Other Fees

Additional Fees
Annual fee: None
Overlimit fee: None
Foreign Currency fee: 2.5%
Inactive fee: None

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

Take control of your finances with the Neo Mastercard – a credit card that offers competitive cashback rewards, automated savings, and real-time spending insights. With a simple and intuitive mobile app, the Neo Mastercard makes it easy to manage your money on the go.


Most attractive:
- No annual fee
- Huge welcome bonuses
- Guaranteed rewards
- No inactivity fee
- Credit reporting
Least attractive:
- Foreign transaction fee
- Capped monthly spendings
- 2 paid plans

Rewards & Benefits

Reward Types:
CashBack Rewards
Other Rewards
Universal Rewards
Reward Unit:
- Up to 5% cashback at partners
- Up to 15% welcome bonus cashback
- 1% minimum cashback guarantee
Yearly Limit:
Other Benefits:
*See website for additional benefits
Online Access:
Credit Reporting:

*The information provided for Neo Financial Rewards Mastercard is believed to be accurate at the time of evaluation (Feb 27, 2023). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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