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United® MileagePlus® Neo World Elite® Mastercard
GCR Rebate
$100		   Initial Rewards
Up to 20,000 MileagePlus miles		   Credit Needed
Welcome Bonus up to 20,000 MileagePlus miles + Renewal Bonus of 5,000 miles per year
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Earn and redeem across United and the Star Alliance network — over 25 airlines, hundreds of destinations, all on one card.



Welcome Bonus: up to 20,000 MileagePlus miles

• 5,000 miles on card activation and first transaction
• Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal Bonus: 5,000 miles per year when account remains open and active with eligible spend within 365 days




FEATURES


Earn Rates
  • 1.25 miles per $1 on United & Star Alliance flights
  • 1 mile per $1 on dining & groceries
  • 0.75 miles per $1 everywhere else
  • Bonus miles through Neo's merchant 10K+ partner network


How the Miles Work

Cardholders earn MileagePlus miles on every eligible purchase. Miles are calculated monthly and transferred to their United MileagePlus account. Miles can be redeemed through the United MileagePlus program for:
  • Flights on United Airlines and 25+ Star Alliance partner airlines
  • Flight upgrades
  • Hotel stays, car rentals, and more through MileagePlus partners
  • MileagePlus miles remain active as long as you earn or redeem at least once every 18 months


Card Benefits
  • Free first checked bag: Your first checked bag is covered on United-operated flights
  • Priority boarding: Be among the first to board with Group 2 priority boarding for you and your travel companions
  • Nexus fee credit: Up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal
  • Star Alliance Global Network: Earn and redeem MileagePlus miles across United Airlines and 25+ Star Alliance partner airlines worldwide, including Air Canada, Lufthansa, and more
  • Save at least 10% on every United award flight. Premier members with a United card save at least 15%
  • Access to additional Saver Award seat inventory in United Polaris Business Class — availability not open to non-cardholders
  • Earn more miles on standard United tickets, with additional miles stacked on top when you pay with the card


Insurances*
  • Emergency Medical Insurance
  • Comprehensive Travel Insurance
  • Extended Warranty & Purchase Protection
  • Auto Rental Collision Loss Damage


World Elite Benefits
  • Mastercard Zero Liability
  • Mastercard Global Service


Mastercard Travel Pass
  • Access to 1,400+ airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit fee will apply.


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • Quebec: Purchase rate (19.99%-25.24%) and cash advance rate (21.99%-25.24%)


* (Chubb | Travel insurance not available in Quebec)

Terms and conditions apply. See Neo app for details.

Legal Disclaimer
Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.

Neo Financial™ and United Airlines are separate entities. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Benefits and offers are subject to change. See neofinancial.com/legal for full terms.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.

• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

NOTE: You must contact GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.
Neo World Mastercard®
GCR Rebate
$50		   Initial Rewards
Elevate your everyday spending with the best no annual-fee annual-fee cashback card in Canada		   Credit Needed
2% cashback on groceries, recurring bills and gas plus no annual fee.
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The Neo World Mastercard® is designed to elevate your everyday spending with the best no annual-fee cashback card in Canada*



FEATURES
  • Instant approvals and access to your virtual card immediately
  • Up to 15% back at over 10,000 Neo partners across Canada
  • No annual fee


Everyday cashback
  • 2% cashback on groceries*
  • 2% cashback on recurring payments*
  • 2% cashback on gas and EV charging*
  • 0.5% cashback back on everything else*


Additional Card Benefits
  • Unlimited cashback
  • Mastercard Zero Liability
  • Extended warranty
  • Purchase protection
  • World Mastercard Benefits including discounting with participating partners and DragonPass airport lounge access


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)


* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.

• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must notify GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.
Neo Mastercard®
GCR Rebate
$60		   Initial Rewards
Unlimited transactions, no annual fees		   Credit Needed
Good
Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
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Canada’s first credit card designed to grow with you.

Start today and get approved instantly. We’ll help you build your credit and borrow better.




FEATURES
  • Guaranteed*, instant approval and access to virtual card to start using immediately
  • Credit limit increases in as little as 3 months*
  • No annual fees, no overlimit fees and unlimited transactions
  • Add one additional cardholder and earn cashback twice as fast
  • Up to 15% back at over 10,000 Neo partners across Canada


Everyday cashback
  • 1% cashback on groceries
  • 1% cashback on gas & EV charging


Insurances/Other:
  • Mastercard Zero Liability


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)


* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.

• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
Secured Neo Mastercard
GCR Rebate
$60		   Initial Rewards
Build or rebuild your credit. No income or credit score requirements.		   Credit Needed
Earns cashback on everyday spending
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Start building with Canada’s first credit card designed to grow with you.

Guaranteed, instant approval whether you’re just starting out, or looking to build or rebuild your credit. Plus get a $25 sign up bonus!




FEATURES
  • A physical and digital secured card that doesn't require a hard credit check
  • No income or credit score requirements
  • Guaranteed, instant approval* with access to your virtual card to start using immediately
  • Earns cashback on everyday spending
  • Up to 15% back at over 10,000 Neo partners across Canada
  • Security funds minimum of only $50

~ $7.99/month



Everyday cashback
  • 1% cashback on gas & groceries


Insurances/Other:
  • Mastercard Zero Liability


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec: Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%)


* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.

• Minimum account funding of $50 required.

• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
Neo World Elite® Mastercard
GCR Rebate
$125		   Initial Rewards
Premium benefits with top cashback rates.		   Credit Needed
Get up to 5% cashback on groceries, recurring bills, EV charging and gas.
Select
The Neo World Elite® Mastercard combines premium benefits with top cashback rates.



FEATURES
  • Instant approvals and access to virtual card to start using straight away
  • Exclusive offers of up to 15% at over 10,000 businesses across Canada
  • Cashback redeemable at anytime
  • Premium insurance coverage


Everyday cashback
  • 5% cashback on groceries*
  • 4% cashback on recurring payments*
  • 3% cashback on gas and EV charging*
  • 1% cashback back on everything else*


Additional Card Benefits:
  • Mastercard Zero Liability
  • Extended Warranty
  • Purchase Protection
  • Auto Rental Collision Loss Damage
  • Rental Card Theft, Damage, Accident, Personal Effects
  • Out of Province & Country Emergency Medical
  • Trip Interruption & Cancellation
  • Flight & Baggage Delay
  • Hotel & Motel Burglary
  • World Mastercard Benefits including discounting with participating partners and DragonPass


Interest Rates
  • Purchase Credit Rate: 19.99% – 29.99%
  • Cash Advance Rate: 22.99% – 31.99%

  • For Quebec and Newfoundland: Purchase rate (19.99%-23.99%) and cash advance rate (22.99%-31.99%)


* Terms & conditions apply. See the application for complete details.
Refer to the Neo website for up-to-date terms and conditions.
Legal references and product terms are available on the Neo website.
Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc.

* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.

• Cash Back Rebate is valid for eligible new Neo customers only.
• To receive a Cash Back Rebate for a 2nd Neo product, you must apply within 30 days of your 1st product application.
• Application(s) must be approved to receive Cash Back Rebate(s).
• Cash Back not offered on repeat cardholders of the same card.
• No Cash Back on Neo Hudson’s Bay products.

• NOTE: You must notify GCR, within 4 months of application date, to report a missing rebate otherwise the rebate is void.