Neo Financial credit cards
Calgary fintech with partner cash-back cards. Converted Hudson's Bay Mastercards to Neo Mastercard in 2025, and Tim Hortons ended its Neo partnership (reported). Launched a United co-brand in April 2026.
Notable Neo Financial cards
- United MileagePlus Neo World Elite Mastercard
- Neo World Elite Mastercard
- Neo Mastercard
- Neo Secured Mastercard
Neo Financial cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Neo FinancialUnited MileagePlus Neo Worl… 5261 9163 6247 3477 VALID THRU 11/29RILEY CHEN United MileagePlus Neo World Elite MastercardCanadians who fly United or Star Alliance |
C$89/yr | 1.25 miles/$ United and Star Alliance flights; 1 mile/$ dining and gro… | None | 2.5% | $80,000 personal or $150,000 h… | — |
Neo FinancialNeo Mastercard formerly Hud… 5564 7300 7779 3804 VALID THRU 02/32ALEX MORGAN Neo Mastercard (formerly Hudson's Bay Mastercard)Former Hudson's Bay cardholders |
None | 0.5% cash back on all purchases (after conversion, reported) | None | See issuer | See issuer | — |
Neo FinancialNeo World Elite Mastercard… 5117 3495 4122 7513 VALID THRU 09/28JORDAN TAYLOR Neo World Elite Mastercard (Shop & Dine)Canadians who spend most on restaurants and shopping |
C$149/yr | 5% on food and drink, 3% on shopping (monthly caps apply) cash back | None | See issuer | See issuer | — |
Neo FinancialNeo World Elite Mastercard… 5363 6022 0624 9839 VALID THRU 02/30MORGAN LEE Neo World Elite Mastercard (Everywhere)Simple flat-rate cash back from a fintech card |
C$149/yr | 2% on everything (monthly caps apply) cash back | None | See issuer | See issuer | — |
Neo FinancialNeo World Mastercard Shop &… 5297 3031 6315 9175 VALID THRU 04/29CASEY BROOKS Neo World Mastercard (Shop & Dine)Canadians who spend most on restaurants and shopping |
None | 2% on food, drink and shopping (monthly caps apply) cash back | None | See issuer | See issuer | — |
Neo FinancialNeo World Mastercard Everyw… 5359 6618 3194 1232 VALID THRU 08/30AVERY PATEL Neo World Mastercard (Everywhere)Simple flat-rate cash back from a fintech card |
None | 1% unlimited on every purchase cash back | None | See issuer | See issuer | — |
Approval rules and tips
Some products accessible to newcomers without Canadian credit history (per Milesopedia).
Neo Financial FAQs
What credit cards does Neo Financial offer?
Neo Financial's notable cards include United MileagePlus Neo World Elite Mastercard, Neo World Elite Mastercard, Neo Mastercard, Neo Secured Mastercard. See the cards we review below for fees, rewards and APRs.
Does Neo Financial have special approval rules?
Some products accessible to newcomers without Canadian credit history (per Milesopedia).
How do I apply for a Neo Financial credit card?
Apply on www.neofinancial.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Neo Financial card?
See our step-by-step guide to activating a Neo Financial card — online, in the app or by phone.