Neo Mastercard

Annual Fee $0 Annual interest rate 19.99% Cash Advances 22.99%

Travel Medical Insurance no Travel Accident Insurance no Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance no Travel Family Insurance no Lounge Access (four per year) no Concierge Services no Price Protection Insurance no Extended Warranty (1 Year) yes Special Offer no Purchase Protection (120 days) no Purchase Protection (90 days) yes Purchase Protection (180 days) no Lounge Access (two per year) yes Lounge Access (one per year) no Mobile Payment no

No annual fee Mastercard issued by Neo Financial; earn an average 5% cashback at hundreds of Neo partner merchants (boosted welcome offer on first purchase at each partner, then tiered ongoing rate); 0.5% minimum cashback on all other purchases; no limits or caps on cashback; redeem instantly in the Neo app; unlimited virtual cards for online privacy with independent spending limits; 19.99% purchase APR / 22.99% cash advance; no foreign transaction fee coverage (standard 2.5% Mastercard FX); balance protection insurance available as optional add-on; free credit score monitoring; optional balance-transfer and balance-protection offers; Mastercard Zero Liability on unauthorized purchasesCanadians who want a fee-free first card with partner-merchant cashback and built-in budgeting tools; credit builders