Canada's route to earning Asia Miles directly, with strong insurance for the fee. The DragonPass membership adds no free lounge visits, so value it for the miles.
$180 annual fee · First-year net value ≈ $810 · Asia Miles
Issuer hub · Updated 2026-07-29
Neo Financial Credit Cards in Canada
Every Neo Financial card we track, ranked by Standard Score — cash-back Mastercards with rates that vary by merchant, plus a low-deposit secured option.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | Cathay World Elite Mastercard Neo Financial | 6.2/10 | $180 | ≈ $810 | Asia Miles | See offer |
| 2 | Neo World Elite Mastercard Neo Financial | 5.4/10 | $149 | ≈ $220 | Cash back | See offer |
| 3 | Neo World Mastercard Neo Financial | 5.2/10 | None | ≈ $140 | Cash back | See offer |
| 4 | Secured Neo Mastercard Neo Financial | 4.0/10 | None | ≈ $0 | Cash back | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Neo Financial card, ranked
Substantially reworked in Neo's June 2026 relaunch: a higher fee, one of three reward plans earning elevated rates at a time (switchable in-app once every 90 days), and a DragonPass membership that discounts lounge entry rather than including it.
$149 annual fee · First-year net value ≈ $220 · Cash back
A capable free card following Neo's June 2026 relaunch. Only one reward plan earns elevated rates at a time and you can switch once every 90 days, so it pays to keep it pointed at your everyday spend.
No annual fee · First-year net value ≈ $140 · Cash back
The rewards outlier of the secured segment: real cash back and a $50 entry point, gated by a monthly membership fee that decides whether the math works. Free-fee qualifiers get the segment's best card; everyone else should price it honestly.
No annual fee · First-year net value ≈ $0 · Cash back
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Neo Financial card here is scored on the same Standard Score as the rest of the site — see how it’s built, or browse the full card database.