A genuinely distinct airline card for United loyalists, with useful flight benefits at an $89 fee. Everyday earning is too weak for it to be a broad-market primary card.
$89 annual fee · First-year net value ≈ $425 · United MileagePlus
Issuer hub · Updated Oct 12, 2026
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 | United MileagePlus Neo World Elite Mastercard Neo Financial | 6.3/10 | $89 | ≈ $425 | United MileagePlus | See offer |
| 2 | Cathay World Elite Mastercard Neo Financial | 5.8/10 | $180 | ≈ $435 | Asia Miles | See offer |
| 3 | Neo World Elite Mastercard Neo Financial | 5.4/10 | $149 | ≈ $220 | Cash back | See offer |
| 4 | Neo World Mastercard Neo Financial | 5.2/10 | None | ≈ $140 | Cash back | See offer |
| 5 | 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
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 ≈ $435 · Asia Miles
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.