$20 GeniusCash + 2% cash back on all purchases + 12 types of insurance.*
Pros & cons
Pros
- Earn an average of 5% cash back at Neo retail partners.
- Earn 2% cash back on all purchases.
- Earn $100 bonus cash back after spending $1,500 in the first 3 months.
- Redeem your cash back whenever you want.
- Includes 12 types of insurance.
Cons
- Caps on bonus categories
- High income requirements of $80,000 personal or $150,000 household
- No welcome bonus
Your rewards
$20 GeniusCash offer
On approval, receive $20 GeniusCash on us when you apply for Neo World Elite Mastercard - Everywhere using this offer page.
GeniusCash offer expires on Aug 31, 2026.
Getting your welcome bonus
Based on $3,000 in monthly spending, you can get up to an estimated $100.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Neo World Elite Mastercard - Everywhere, here's how you earn rewards:
- Average of 5% cash back at partner retailers
- 2% cash back on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Neo World Elite Mastercard - Everywhere in particular, if you spend $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $774 |
Calculating your annual rewards
$36,000 annual spending x 2.15% return on spending = $774 annual rewards
$774 annual rewards − $149.00 annual fee = $625 net annual rewards
Details and eligibility
- Estimated Credit Score
- 560 - 659
- Personal Income
- $80,000
- Household Income
- $150,000
- Annual Fee
- $149.00
- First Year Free
- Yes
- Extra Card Fee
- $49
- Card type
- Credit
- Purchase
- 19.99% - 29.99%
- Cash Advance
- 22.99% - 31.99%
- Balance Transfer
- N/A
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Emergency Medical Term
- 14 days
- Emergency Medical Maximum Coverage
- $1,000,000
- Trip Cancellation
- $1,000
- Trip Interruption
- $1,000
- Flight Delay
- $500
- Baggage Delay
- $1,000
- Lost or Stolen Baggage
- $1,000
- Hotel Burglary
- $1,000
- Rental Car Theft & Damage
- Yes
- Rental Car Accident
- $100,000
- Rental Car Personal Effects
- $1,000
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
Neo World Elite Mastercard - Everywhere's 4.2 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Key benefits
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