Pros & Cons
Pros
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
- –No purchase protection
Our Review
With the Neo Money™ card, you get up to 6% cash back:
- 6% on average on restaurants, bars and cafés
- 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
- Up to 3% on gas and groceries
Rewards
All Spending
0x
Cash Back pts per dollar
Groceries
1x
Gas
1x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$108
$/yr
Estimated Value
$108
After Fees
+$108
1st Year Value
$108
incl. welcome bonus
Annual rewards breakdown
Groceries$8,400/yr × 1.00%$84
Gas & EV$2,400/yr × 1.00%$24
Transit$1,200/yr × 0.00%$0
Restaurants$3,600/yr × 0.00%$0
Pharmacy$600/yr × 0.00%$0
Travel$1,800/yr × 0.00%$0
Bills & recurring payments$3,000/yr × 0.00%$0
Telecom$1,800/yr × 0.00%$0
Entertainment & streaming$1,200/yr × 0.00%$0
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.36%
Total cashback earned$108
Terms & Conditions
Card Features
Everyday cashback
- 6% on average on restaurants, bars and cafés
- 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
- Up to 3% on gas and groceries
Features and benefits
- Personalized insights powered by generative chat AI (coming soon)
- Digital card available to use immediately
- Get cashback at thousands of local and national partners
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Neo. All trademarks are property of their respective owners.