Earn instant cashback when you shop with your Neo card. Not only can you earn cashback from every purchase in popular categories, but you can get extra cashback from offers from thousands of Neo partners.
Tip: Go to Rewards to view the ways you can earn cashback and your latest cashback rates.
Ways to earn cashback
You can earn cashback when you use an eligible card on purchases in popular categories. And then earn extra cashback from offers at Neo partners! Simply use your card to instantly earn cashback and work towards cashback offers.
Cashback in popular categories: Earn cashback when you shop in your favourite categories. . Depending on your card, you can earn cashback on gas, groceries, dining, drinks, and recurring payments (like utility bills and phone plans), as well on every purchase.
Offers at Neo partners: Find cashback offers at thousands of Neo partners across Canada. Here's more information about earning cashback at Neo partners.
Eligible cards to earn cashback
Use an eligible card to earn cashback:
Neo Mastercard (standard and secured)
Neo World Mastercard® – Gas & Grocery (standard and secured)
Neo World Mastercard® – Shop & Dine (standard and secured)
Neo World Mastercard® – Everywhere (standard and secured)
Neo World Elite® Mastercard – Gas & Grocery (standard and secured)
Neo World Elite® Mastercard – Shop & Dine (standard and secured)
Neo World Elite® Mastercard – Everywhere (standard and secured)
Neo Money™ card and JA Money card
Cashback in popular categories
Earn cashback whenever you shop in popular categories. Go to your Rewards to view your current cashback rates.
Neo Gas & Grocery cards
Cashback from gas
Earn cashback whenever you fill up your tank or charge your electric vehicle!
You’ll earn cashback from any merchant that is categorized as a service station (Mastercard merchant category code 5541), automated fuel dispenser (merchant category code 5542), or electric vehicle charging station (merchant category code 5552). Please note that merchants are responsible for choosing their category code, so some merchants may not be categorized as a “service station”, “automated fuel dispenser”, or “electric vehicle charging station” (even though they may sell fuel or are a charging station).
Cashback from groceries
Use your card for your groceries and earn cashback!
You’ll earn cashback from any merchant that is categorized as a grocery store or supermarket (Mastercard merchant category code 5411), no matter if you shop in person or online! Please note that merchants are responsible for choosing their merchant category code, so some merchants may not be categorized as a “grocery store” or “supermarket” (even though they may sell groceries).
Note: Wholesale stores (like Costco and Walmart) aren’t considered grocery stores under Mastercard’s merchant classification. You can still earn cashback at wholesale stores if you earn cashback from everything else.
Cashback from recurring payments
Purchases made with the Gas & Grocery cards are also eligible for cashback from recurring payments (such as utility payments, gym memberships, and phone or Internet subscriptions).
You can check if your purchase received cashback from recurring payments by viewing the transaction details. Go to the details under Total rewards to view the breakdown of your cashback.
Cashback from everything else
Gas & Grocery cards also earn cashback on all other purchases. Any purchase that does not qualify for the gas, groceries, or recurring payments categories will earn cashback at the everything else rate.
Spending limits for cashback on the Neo World Elite® Mastercard – Gas & Grocery
Gas: If you spend over $1,000 on gas in one month, the cashback rate is 1% for gas spending for the rest of the month.
Groceries: If you spend over $1,000 on groceries in one month, the cashback rate is 1% for grocery spending for the rest of the month.
Recurring payments: If you spend over $500 on recurring payments in a month, the cashback rate is 1% for recurring payments for the rest of the month.
Everything else: If you spend over $4,000 on everything else in a month, the cashback rate is 1% for the rest of the month.
Spending limits for cashback on the Neo World Mastercard® – Gas & Grocery
Gas: If you spend over $500 on gas in one month, the cashback rate is 0.5% for gas spending for the rest of the month.
Groceries: If you spend over $500 on groceries in one month, the cashback rate is 0.5% for grocery spending for the rest of the month.
Recurring payments: If you spend over $500 on recurring payments in a month, the cashback rate is 0.5% for recurring payments for the rest of the month.
Everything else: Earn unlimited 0.5% cashback on everything else.
Neo Shop & Dine cards
Cashback from shopping
Earn cashback on your retail purchases — in store or online.
You'll earn cashback from any merchant that is categorized as a retail store by Mastercard (such as clothing stores, department stores, and specialty retailers). Please note that merchants are responsible for choosing their category code, so some merchants may not be categorized as a retail store even though they sell goods.
Cashback from dining
Earn cashback when you eat out — whether it's a sit-down restaurant, fast food, or a bar.
You'll earn cashback from any merchant that is categorized as a dining establishment by Mastercard (such as eating places, fast food restaurants, bars, and caterers). Please note that merchants are responsible for choosing their category code, so some merchants may not be categorized as a dining establishment even though they serve food.
Note: Coffee shops and cafés may be classified under a different category depending on the merchant.
Cashback from everything else
Shop & Dine cards also earn cashback on all other purchases. Any purchase that does not qualify for the dining or shopping categories will earn cashback at the everything else rate.
Spending limits for cashback on the Neo World Elite® Mastercard – Shop & Dine
Shopping: If you spend over $1,000 on shopping in one month, the cashback rate is 1% for shopping spending for the rest of the month.
Food & Drink: If you spend over $1,000 on food and drink in one month, the cashback rate is 1% for food and drink spending for the rest of the month.
Everything else: Earn unlimited 1% cashback on everything else.
Spending limits for cashback on the Neo World Mastercard® – Shop & Dine
Shopping: If you spend over $500 on shopping in one month, the cashback rate is 0.5% for shopping spending for the rest of the month.
Food & Drink: If you spend over $500 on food and drink in one month, the cashback rate is 0.5% for food and drink spending for the rest of the month.
Everything else: Earn unlimited 0.5% cashback on everything else.
Neo Everywhere cards
Cashback from all purchases
Earn cashback on everything you buy — no categories to track, no specific merchants to look for. Every purchase earns at the same rate, whether it's groceries, dining, gas, shopping, or anything else.
Spending limits for cashback on the Neo World Elite® Mastercard – Everywhere
All purchases: If you spend over $4,000 on all purchases in one month, the cashback rate is 1% for all spending for the rest of the month.
Spending limits for cashback on the Neo World Mastercard® – Everywhere
All purchases: Earn unlimited cashback on all purchases.
Neo Mastercard
The Neo Mastercard earns cashback on gas and groceries as its standard rewards structure. There are no additional cashback categories to choose or change from — your rates are based on your purchases and your boost level.
Spending limits for cashback on the Neo Mastercard
Gas: If you spend over $500 on gas in one month, the cashback rate is 0% for gas spending for the rest of the month.
Groceries: If you spend over $500 on groceries in one month, the cashback rate is 0% for grocery spending for the rest of the month.
Everything else: If you spend over $1,667 in all other categories in 1 month, the cashback rate is 0% for the rest of the month.
Neo Money card
The Neo Money card earns cashback on gas and groceries as its standard rewards structure. There are no additional cashback categories to choose or change from — your rates are based on your purchases and your boost level.
Spending limits for cashback on the Neo Money card
Gas: If you spend over $500 on gas in a month, the cashback rate is 0% for gas spending for the rest of the month.
Groceries: If you spend over $500 on groceries in a month, the cashback rate is 0% for grocery spending for the rest of the month.
Everything else: If you spend over $833 in all other categories in a month, the cashback rate is 0% for the rest of the month.
How to view the spending limits for rewards categories
You can view the spending limits and your progress to the monthly limit by viewing the rewards categories from your card benefits.
Neo app
Log in to the Neo app
Select your card and tap Card benefits
Select a rewards category
Tap Track your monthly spending
Web
Log in to member.neofinancial.com
Select your card and click Card benefits
Select a rewards category
Click on Track your monthly spending
Extra cashback at Neo partners
Get extra cashback from offers at Neo partners across Canada! With thousands of partners across the country, there are many ways to earn more cashback.
Even if a purchase is eligible for cashback in popular categories (gas, groceries, and recurring payments) and cashback from every purchase, you can still earn more from any eligible offers.
Cashback offers are personalized to you and are different for eachat each partner. Some merchants may even have multiple offers available! Go to Rewards to view the cashback offers that are available near you.
Use the same card for cashback offers
Cashback offers need to be started and completed using the same card. For example, if you start a cashback offer using your Neo World Mastercard®, then you need to use the same card to complete the cashback offer.
Boost your cashback rates
You can boost your cashback rates by adding funds to a Neo Chequing and a Neo Everyday account
Here's how to boost your cashback rates.
Increase your boost level
Neo’s products are designed to work together. By adding funds to a Neo Chequing and a Neo Everyday account, you can boost the cashback rates for your Neo Mastercard, Neo Money card, Neo World Mastercard®, or Neo World Elite® Mastercard.
Cash out anytime
Any cashback you earn will be instantly added to your Rewards Wallet. Here’s how to view your earned rewards.
There are 3 ways to cash out:
Use the cashback in the Neo Store to buy exclusive items or deals.
Transfer the cashback to your Neo Chequing or Neo Everyday account
Cash out to your credit card
Here’s how to cash out your cashback.
Eligible merchant categories for cashback (MCCs)
Eligible merchant categories for cashback (MCCs)
Purchases are categorized using Merchant Category Codes (MCCs), which are assigned by Mastercard and merchants' payment processors. The MCC assigned to a merchant determines whether a purchase qualifies for cashback in a specific category.
Neo Mastercard
Cashback is earned based on the below Merchant Category Codes (MCC). Eligible categories include:
Gas
5541 Service Stations (with or without ancillary services)
5542 Automated Fuel Dispensers
5552 Electric Vehicle Charging
Grocery
5411 Grocery Stores and Supermarkets
Neo World and World Elite® Mastercard - Shop & Dine
Cashback is earned based on the below Merchant Category Codes (MCC). Eligible categories include:
Shop
4812 Telephone Equipment, Including Telephone Sales
4813 Telephone Services (Local and Long Distance, Credit Card Calls, Fax Services)
5021 Office and Commercial Furniture
5039 Construction Materials, Not Elsewhere Classified
5044 Photographic, Photocopy, Microfilm Equipment and Supplies
5045 Computers, Peripherals, and Software
5046 Commercial Equipment, Not Elsewhere Classified
5065 Electrical Parts and Equipment
5072 Hardware Equipment and Supplies
5074 Plumbing and Heating Equipment and Supplies
5085 Industrial Supplies, Not Elsewhere Classified
5094 Jewelry, Watches, Clocks, and Silverware (Wholesale)
5099 Durable Goods, Not Elsewhere Classified
5111 Stationery, Office Supplies, Printing and Writing Paper
5131 Piece Goods, Notions, and Other Dry Goods
5137 Men's, Women's, and Children's Uniforms and Commercial Clothing
5139 Commercial Footwear
5169 Chemicals and Allied Products, Not Elsewhere Classified
5192 Books, Periodicals, and Newspapers
5193 Florist Supplies, Nursery Stock, and Flowers
5198 Paints, Varnishes, and Supplies
5199 Nondurable Goods, Not Elsewhere Classified
5200 Home Supply Warehouse Stores
5211 Lumber and Building Materials Stores
5231 Glass, Paint, and Wallpaper Stores
5251 Hardware Stores
5261 Nurseries — Lawn and Garden Supply Stores
5262 Marketplaces
5309 Duty-Free Stores
5310 Discount Stores
5311 Department Stores
5331 Variety Stores
5399 Miscellaneous General Merchandise Stores
5531 Auto and Home Supply Stores
5611 Men's and Boys' Clothing and Accessories Stores
5621 Women's Ready-to-Wear Stores
5631 Women's Accessory and Specialty Stores
5641 Children's and Infants' Wear Stores
5651 Family Clothing Stores
5655 Sports and Riding Apparel Stores
5661 Shoe Stores
5681 Furriers and Fur Shops
5691 Men's and Women's Clothing Stores
5698 Wig and Toupee Stores
5699 Miscellaneous Apparel and Accessory Shops
5712 Furniture, Home Furnishings, and Equipment Stores (Except Appliances)
5713 Floor Covering Stores
5714 Drapery, Window Covering, and Upholstery Stores
5718 Fireplace, Fireplace Screens, and Accessories Stores
5719 Miscellaneous Home Furnishing Specialty Stores
5722 Household Appliance Stores
5732 Electronics Stores
5733 Music Stores — Musical Instruments, Pianos, and Sheet Music
5734 Computer Software Stores
5816 Digital Goods: Games
5817 Digital Goods: Applications (Excludes Games)
5818 Digital Goods: Large Digital Goods Merchant
5931 Used Merchandise and Secondhand Stores
5932 Antique Shops
5933 Pawn Shops
5940 Sporting Goods Stores
5941 Sporting Goods Stores and Bicycle Shops
5942 Bookstores
5943 Stationery, Office, and School Supply Stores
5944 Jewelry Stores, Watches, Clocks, and Silverware Stores
5945 Hobby, Toy, and Game Shops
5946 Camera and Photographic Supply Stores
5947 Gift, Card, Novelty, and Souvenir Shops
5948 Luggage and Leather Goods Stores
5949 Sewing, Needlework, Fabric, and Piece Goods Stores
5950 Glassware and Crystal Stores
5963 Door-to-Door Sales
5964 Direct Marketing — Catalog Merchant
5965 Direct Marketing — Catalog and Retail Merchant
5966 Direct Marketing — Outbound Telemarketing Merchant
5967 Direct Marketing — Inbound Telemarketing Merchant
5968 Direct Marketing — Continuity/Subscription Merchant
5969 Direct Marketing — Other Direct Marketers, Not Elsewhere Classified
5970 Artist Supply and Craft Shops
5971 Art Dealers and Galleries
5972 Stamp and Coin Stores
5973 Religious Goods Stores
5977 Cosmetics Stores
5978 Typewriter Stores
5992 Florists
5993 Cigar Stores and Stands
5994 News Dealers and Newsstands
5995 Pet Shops, Pet Food, and Supplies Stores
5996 Swimming Pools — Sales, Service, and Supplies
5997 Electric Razor Stores — Sales and Service
5998 Tent and Awning Shops
5999 Miscellaneous and Specialty Retail Stores
7296 Clothing Rentals — Costumes, Uniforms, Formal Wear
7993 Video Game Arcades/Establishments
Dine
5811 Caterers
5812 Eating Places and Restaurants
5813 Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns
5814 Fast Food Restaurants
Neo World and World Elite Mastercard® - Gas & Grocery
Cashback is earned based on the below Merchant Category Codes (MCC). Eligible categories include:
Gas
5541 Service Stations (with or without ancillary services)
5542 Automated Fuel Dispensers
5552 Electric Vehicle Charging
Grocery
5411 Grocery Stores and Supermarkets
Recurring
4814 Telecommunication Services
4899 Cable & Satellite Services
4900 Utilities
5815 Digital Goods: Media
5816 Digital Goods: Games
5817 Digital Goods: Applications
5818 Digital Goods: Multi-Category
5968 Subscription/Continuity Services
6300 Insurance
7997 Country & Athletic Clubs
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