Neo World Elite Mastercard
Cash Back1.0¢ exact
$125 annual fee
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Cash back card with category-based earn at Neo partners (up to 5%) and 1% on non-partner spend. Earn rates depend heavily on whether your regular merchants are in the Neo network. The 4% on bills/recurring is capped at $500/month. No FX fees is the standout permanent feature.
Earn Rates
🛒 Groceries — Amex accepted5x📄 Bills4x⛽ Gas3x·Everything else1x
💡 5% on groceries, 4% on recurring bill payments, 3% on gas, 1% on everything else. Bonus categories subject to monthly spend limits (Bills/Recurring caps at $500/mo, then drops to 1%).
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