Pros & cons

Your rewards

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 Secured World Elite Mastercard, here's how you earn rewards:

• Average of 5% cash back at partner retailers
• 5% cash back on groceries , up to $1,000 spent monthly
• 4% cash back on recurring bills , up to $500 spent monthly
• 3% cash back on gas and EV charging , up to $1,000 spent monthly
• 1% cash back everywhere else

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 Secured World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:

Calculating your annual rewards

$24,000 annual spending x 2.55% return on spending = $612 annual rewards

$612 annual rewards − $125.00 annual fee = $487 net annual rewards

Details and eligibility

Insurance coverage

Extended Warranty

1 year

Purchase Protection

90 days

Emergency Medical Term

14 days

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 Secured World Elite Mastercard's 4.3 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.

Learn more about our rating methodology.

Key benefits