Neo World Mastercard^®

Neo Financial has three personal cash back credit cards in their line up.

The Neo World Mastercard^® is Neo Financial’s mid-tiered credit card that comes with decent cash back earning potential, especially for a card with no annual fee.

You can earn upwards of 4% on groceries, recurring bills, gas, and EV charging if you meet Neo Financial’s requirements for the boosted earning rate.

The Neo World Mastercard^® has no annual fee. This card does not come with a welcome bonus at this time.

A supplementary card is available at no additional cost.

The Neo World Mastercard^® earns cash back rewards at the following rates for all card holders:

• 2% cash back per $1 spent on groceries on the first $1,000 each month
• 2% cash back per $1 spent on recurring bills on the first $500 each month
• 2% cash back per $1 spent on gas and EV charging on the first $1,000 each month
• 0.5% cash back per $1 spent on everything else on the first $2,500 each month

If you have at least $5,000 in your Neo Everyday Account you’ll earn:

• 3% cash back per $1 spent on groceries on the first $1,000 each month
• 3% cash back per $1 spent on recurring bills on the first $500 each month
• 3% cash back per $1 spent on gas and EV charging on the first $1,000 each month
• 0.5% cash back per $1 spent on everything else on the first $2,500 each month

• 4% cash back per $1 spent on groceries on the first $1,000 each month
• 4% cash back per $1 spent on recurring bills on the first $500 each month
• 4% cash back per $1 spent on gas and EV Charging on the first $1,000 each month
• 1% cash back per $1 spent on everything else on the first $2,500 each month

With the Neo World Mastercard^® you earn cash back instantly on your purchases. Once earned, your cash back is available immediately in your account.

From there you can use the cash back to reduce the balance on your Neo World Mastercard®, add the cash back to your Neo Everyday account, or redeem cash back for merchandise at the Neo Store.

The Neo World Mastercard^® offers elevated earning rates and includes standard World Mastercard benefits, such as:

• Discounts with Participating Partners: Special offers and savings with select merchants.
• Mastercard Travel Rewards: Cash back offers when shopping and dining abroad.
• Mastercard Travel Pass provided by DragonPass: Access to over 1,000 airport lounges worldwide (fees may apply).

The card offers the following insurance benefits:

• Travel Emergency Medical Insurance: up to $1,000,000 per insurance person up to a maximum age of 60, and for for 14 days.
• Trip Cancellation & Trip Interruption Insurance: up to $1,000 per person per trip
• Flight Delay Insurance: up to $250 per day to a maximum of $500
• Delayed Baggage and Lost/Damaged Baggage: up to $1,000 per person per trip for delayed, lost, or damaged bagged
• Hotel and Motel Burglary: up to $1,000
• Auto Rental Collision/Loss Damage Insurance: up to 48 consecutive days
• Auto Rental Personal Effects Insurance: up to $1,000 per person for personal effects that are damaged or lossed in a car rental
• Auto Rental Accidental Death and Dismemberment Insurance: up to $100,000
• Purchase Protection Insurance: up to $1,000 per item for 90 days from the purchase date
• Extended Warranty Insurance: doubling the original warranty to one additional year up to $1,000 per item