This time, we’re putting the Neo World Mastercard head-to-head with the MBNA Smart Cash® World Mastercard. Which one gives you the most cashback? Let’s find out!
| Category | Neo World Mastercard | MBNA Smart Cash® World Mastercard. |
|---|---|---|
| Grocery | 2% | 2% |
| Gas/EV Charging | 2% | 2% |
| Recurring Bills | 2% | 1% |
| Transit/Transportation | 0.5% | 1% |
| Other | 0.5% | 1% |
| Fee (annualized) | $0 | $39 |
| Income requirements | $50,000 for individuals, or $80,000 for households | $50,000 for individuals, or $80,000 for households |
| Spend cap | Calculated monthly: $1,000 groceries, $1,000 gas, $500 recurring payments | Calculated monthly: $500 Gas/EV AND Groceries (all in the same category) |
Same spend, different results - let’s see which card gives more back using an average monthly spend amount.
| Category | Avg Monthly Spend | Neo World Mastercard | MBNA Smart Cash® World Mastercard |
|---|---|---|---|
| Grocery | $600.00 | $12.00 | $12.00 |
| Gas/EV | $236.00 | $4.72 | $4.72 |
| Recurring bills | $176.00 | $3.52 | $1.76 |
| Transit | $110.00 | $0.55 | $1.10 |
| Other | $1052.00 | $5.26 | $10.52 |
| Total per month | $2218.00 | $26.05 | $30.10 |
| Avg Partner Network Cashback/Month | - | $13.52 | - |
| TOTAL Cashback per year | - | $474.84 | $361.20 |
| Fee | - | $0 | $39.00 |
| Cashback minus fee | - | $474.84 | $322.20 |
This is where Neo really steps it up. With the Neo World Mastercard, you can earn extra cashback at places you already shop - think grocery stores, gas stations, your favorite spots to grab food. Neo partners with over 10,000 stores, so those rewards stack up fast. On average, users are getting an extra $13.52 back every month - just for doing their usual spending. That’s real savings, back in your pocket. It’s a benefit that MBNA just can’t keep up with.
Here are some examples 
| Neo Partner Stores | First Purchase | Afterwards | Example Spend | Cashback you get |
|---|---|---|---|---|
| ATCO Energy | 8% Cashback (up to $30 back) | 1% Cashback (every 6 purchases) | $47.68 | $3.81 |
| Fatburger | 12% Cashback (up to $10 back) | 5% Cashback (every $50 spent) | $75.67 | $9.08 |
| Red Swan Pizza | 10% Cashback (up to $10 back) | 8% Cashback (every $75 spent) | $66.73 | $6.67 |
The table above shows just a few examples you’ll probably recognize, but remember, we have thousands of partner stores!
Who should pick Neo?
With Neo World, cashback is rewarded instantly, while with the MBNA Smart Cash® World Mastercard, you’ll need to reach a minimum balance before redeeming.
While the cashback in categories look similar, what makes Neo different? Over 10,000 partner stores where you can earn even more cashback.
With the Neo World card, gas/EV and groceries are treated as separate categories - so each one has its own spending cap. That means you can earn more rewards in both, without one affecting the other.
Thanks for checking it out! We’d love to hear your thoughts below! 