# The era of one-size-fits-all rewards is officially over. šŸ’„ **URL:** \ **Category:** Announcements\ **Created:** [May 15, 2026, 4:30pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356 "2026-05-15T16:30:06Z")\ **Posts on this page:** 17\ **Page:** 1
**Author:** ![Yeni-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/yeni-neo/32/2246_2.png) [@Yeni-Neo](https://neofinancial.discourse.group/u/Yeni-Neo)\ **Post date:** [May 15, 2026, 4:30pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/1 "2026-05-15T16:30:06Z")
We know that no two lifestyles are the same, so we decided your credit card shouldnā€™t be either. Weā€™ve reimagined the Neo World and Neo World Elite experience by putting the power of choice in your hands. Youā€™re no longer locked into a default rewards structure; instead, you define how you earn. Whether youā€™re maximizing gas and groceries, dining out, or earning flat cashback, you select your scheme during your application and track it under the Rewards tab. One thing to note: you canā€™t hold two cards of the same tier with different schemes. For example, if you have a World Elite card, you canā€™t open a second one for another rewards plan. However, you can still apply for a Neo World card to mix and match. šŸ˜Ž If you were picking today, which category would earn you the most cashback?šŸ‘‡ ---
**Author:** ![Stel](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/stel/32/1881_2.png) [@Stel](https://neofinancial.discourse.group/u/Stel)\ **Post date:** [May 15, 2026, 4:44pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/2 "2026-05-15T16:44:09Z")
Groceries for sure, and the second would be recurring transaction; which hopefully in the future will be more rewarding and have more transactions count. ---
**Author:** ![Wise](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/wise/32/1598_2.png) [@Wise](https://neofinancial.discourse.group/u/Wise)\ **Post date:** [May 15, 2026, 4:58pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/3 "2026-05-15T16:58:19Z")
1. Recurring bills (rent, hydro, mobile, home internet, insurance, etc) 2. Groceries 3. Shopping 4. Transit (ride sharing, taxis, and public transportation) ---
**Author:** ![KellyM](https://avatars.discourse-cdn.com/v4/letter/k/57b2e6/32.png) [@KellyM](https://neofinancial.discourse.group/u/KellyM)\ **Post date:** [May 15, 2026, 5:46pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/4 "2026-05-15T17:46:35Z")
We use our Neo world Elite for almost everything. It not only provides additional warranty on products & insurance for rental cars. We have received over $6000 in cash back bonuses. Weā€™ve had dozens of other rewards cards over the years and rarely have we benefited. We often go to the Neo app to see who has offers before we shop, especially on fuel & dining. ---
**Author:** ![Yeni-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/yeni-neo/32/2246_2.png) [@Yeni-Neo](https://neofinancial.discourse.group/u/Yeni-Neo)\ **Post date:** [May 15, 2026, 7:56pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/5 "2026-05-15T19:56:26Z")
Welcome to the community @KellyM That is incredible! $6,000 in cashback is a serious win! You are clearly mastering the art of maximizing those partner offers. Have you noticed a specific partner or category thatā€™s been your biggest earner lately? ---
**Author:** ![KellyM](https://avatars.discourse-cdn.com/v4/letter/k/57b2e6/32.png) [@KellyM](https://neofinancial.discourse.group/u/KellyM)\ **Post date:** [May 16, 2026, 1:04am UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/6 "2026-05-16T01:04:31Z")
> Mostly on fuel and groceries, but we have made some larger purchases for furniture, bikes etc. ---
**Author:** ![izelik](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/izelik/32/1159_2.png) [@izelik](https://neofinancial.discourse.group/u/izelik)\ **Post date:** [May 16, 2026, 2:17am UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/7 "2026-05-16T02:17:27Z")
1. Recurring for Chexy. (Needs bigger limit) 2. Groceries + Costco 3. Gas ---
**Author:** ![PhilJ1](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/philj1/32/1495_2.png) [@PhilJ1](https://neofinancial.discourse.group/u/PhilJ1)\ **Post date:** [May 16, 2026, 2:41am UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/8 "2026-05-16T02:41:15Z")
> [@Yeni-Neo](#): > > If you were picking today, which category would earn you the most cashback? My top spending categories (across all credit cards) are: 1. Groceries, by a long shot. 2. Recurring Bills. 3. Restaurants. 4. Entertainment. 5. Gas. The grocery rewards are what pays for my annual fee. Not all my recurring bills go on my Neo WE Mastercard and not all the ones that do earn the 4% but that might change when this category is revamped. My restaurant spending goes on my Simplii Visa where I get 4%. If Neo wants to buy this business from me, they would have to offer at least that much. Entertainment is basically just my hockey season tickets. I currently get 2% on this category so thereā€™s room for improvement here. Gas all goes on my Neo WE Mastercard but I donā€™t drive to work so I donā€™t spend much on this category. ---
**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\ **Post date:** [May 19, 2026, 11:23pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/9 "2026-05-19T23:23:17Z")
2% on entertainment? What card does that? ---
**Author:** ![PhilJ1](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/philj1/32/1495_2.png) [@PhilJ1](https://neofinancial.discourse.group/u/PhilJ1)\ **Post date:** [May 20, 2026, 3:48am UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/10 "2026-05-20T03:48:09Z")
I have the grey World Mastercard but either of these lets you chose up to three 2% categories: [Cash Back Credit Card: Bonus 10% Cash Back for 2 months\* | Tangerine](https://www.tangerine.ca/en/personal/spend/credit-cards/money-back-credit-card) ---
**Author:** ![Chev](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/chev/32/2695_2.png) [@Chev](https://neofinancial.discourse.group/u/Chev)\ **Post date:** [May 20, 2026, 4:21pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/11 "2026-05-20T16:21:56Z")
Gas and groceries for me! ---
**Author:** ![ec.ology](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/ec.ology/32/2045_2.png) [@ec.ology](https://neofinancial.discourse.group/u/ec.ology)\ **Post date:** [May 21, 2026, 8:06am UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/12 "2026-05-21T08:06:59Z")
On interesting! Can you switch your scheme whenever you want? If we have an existing card, will it prompt users to select a scheme since it wasnā€™t done so during the application? ---
**Author:** ![Mattbrennan](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/mattbrennan/32/1825_2.png) [@Mattbrennan](https://neofinancial.discourse.group/u/Mattbrennan)\ **Post date:** [June 5, 2026, 2:21pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/13 "2026-06-05T14:21:13Z")
> [@KellyM](#): > > e use our Neo world Elite for almost everything. > It not only provides additional warranty on products & insurance for rental cars. We have received over $6000 in cash back bonuses. > Weā€™ve had dozens of other rewards cards over the years and rarely have we benefited. We often go to the Neo app to see who has offers before we shop, especially on fuel & dining. What time frame for the $6k cashback? Any tips on how to maximize this? ---
**Author:** ![Pooya](https://avatars.discourse-cdn.com/v4/letter/p/ba8739/32.png) [@Pooya](https://neofinancial.discourse.group/u/Pooya)\ **Post date:** [June 9, 2026, 1:42am UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/14 "2026-06-09T01:42:00Z")
Hello, some user based feedback on this initiative: 1. I loved the idea. Absolutely thrilled. Went on the app and saw Iā€™m ā€œpre approvedā€ for all kinds of cards with different perks. 2. there is no mention of me not being able to hold two world elite cards with different reward schemes and I just found out about this limitation on this thread. To me, if thatā€™s the case I shouldnā€™t even be allowed to apply for it to begin with. 3. The application got declined and this was not mentioned as a reason. I just got some explanation about how if I had a VPN on then it may lead to a decline because it may seem like Iā€™m not in Canada. 4. why is it not possible to just switch rewards on the same card? 5. Lastly, why donā€™t we just go crazy and offer a card with 300$ annual fee that combines the two sets of incentives? Seems like an opportunity left on the table. cheers šŸ» ---
**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\ **Post date:** [June 11, 2026, 6:25pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/15 "2026-06-11T18:25:35Z")
This is great feedback! @Karen_Sondergard ---
**Author:** ![futandrew](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/futandrew/32/42_2.png) [@futandrew](https://neofinancial.discourse.group/u/futandrew)\ **Post date:** [June 15, 2026, 10:21pm UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/16 "2026-06-15T22:21:48Z")
- Groceries, including Walmart and Costco - Rent and recurring bills (if itā€™s more than 4% to beat SB Momentum) - Dining and food deliveries - Gas and transportation ---
**Author:** ![nanedo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/nanedo/32/2574_2.png) [@nanedo](https://neofinancial.discourse.group/u/nanedo)\ **Post date:** [August 12, 2026, 10:48am UTC](https://neofinancial.discourse.group/t/the-era-of-one-size-fits-all-rewards-is-officially-over/5356/17 "2026-08-12T10:48:51Z")
Gas and Groceries for myself!