# Trying the Neo World Elite Mastercard **URL:** \ **Category:** Community Lounge\ **Created:** [March 9, 2025, 9:10pm UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367 "2025-03-09T21:10:12Z")\ **Posts on this page:** 7\ **Page:** 1
**Author:** ![Buldog\_13](https://avatars.discourse-cdn.com/v4/letter/b/e47c2d/32.png) [@Buldog\_13](https://neofinancial.discourse.group/u/Buldog_13)\ **Post date:** [March 9, 2025, 9:10pm UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367/1 "2025-03-09T21:10:12Z")
Coming over from Reddit,@sana\_neo reached out to me and is sending me some neo swag which is very cool. She mentioned I share my journey here so forwarding my post from reddit… I plan to update this a couple times, 1 month, 3 month, 6 month, 1 year. I’m also tracking how long it takes me to match my yearly rewards I was receiving using the Costco Mastercard and comparing to the Rogers card. So here’s my plan. I used codes for a $25 account credit and $100 reimbursement. I plan to keep this out of my calculations, I removed the $25 reward from my rewards balance already. I subscribed to “perks premium” for $9.99/month which boosts the cash back to **Gas 5%** **Groceries 7%** **Recurring payments 4.5%** **Everything else 1.5%** It can be boosted further by having a balance in a checking account with them, right now I am not doing this. Essentially the annual cost for the card plus perks will be $245. My previous year Costco rebate was just under $400. My plan is to see how long it takes to get to a rewards rebate of $645. See if this card really is worth it. Additionally if I were to use the Rogers card at 3% rewards average monthly spending of $2000 I would receive $720 annually. To make us the $245 annual fee on Neo at $2k/month spending my average rewards need to stay above 4.02% This is 100% for educational purposes to provide insight if this card is truly as advertised. If you do decide to use this card, you can message me for a code. However this really is not my intentions here. 1 Month Update: So here’s what I have found one month in **Grocery Category (7%):** Walmart Supercenters (Walmarts with grocery, includes cosmetics) Real Canadian Superstore **Recurring Payments (4.5%):** Square One Home insurance Shaw Internet Bill Microsoft Gamepass Bchydro (Through Paymentus, charges 1.75% fee so gain 2.75% here) **Gas (5%):** Petro Canada **Everything Else (1.5%)** Taxi, Ferries, Fastfood, Restaurants Dentist Office Costco Bath and Body Public Mobile Bills (counts as a top up, not a recurring bill, bonus 5% for $$$ spent at public mobile so works out to 6.5%) Amazon Dollar Tree KMS Tools Fortis BC recurring payments (through Kubra, counts as one time payment) Shoppers Drug Mart **I also tried 3 of their “partner offers” this is where I was disappointed** They have requirements such as “instore” or “App” purchase, which I followed, of the 3 partner bonuses only one worked as it should. The other two I did the automated “missing rewards” feature which after 10 business days the review came back and my rewards were denied, I then called the premium support line, and had a great experience with customer service, from the time I dialed to finished the call it was 20 minutes, he took all the info required, and my bonus rewards were added next day. I just wish they would have remained automated. So where am I at after one month. After removing the additional fees from Bchydro my average rewards are 4.62% for now I am very happy with that. I suspect the % may fall slightly as I did take advantage of some bonus promos. I plan my next update after roughly 3 months with the card, followed by 6 months, then one year. ---
**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:** [March 9, 2025, 9:43pm UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367/2 "2025-03-09T21:43:45Z")
I wonder how Walmart category is utilized? I’m worried not getting grocery offers when purchasing at Walmart ---
**Author:** ![Buldog\_13](https://avatars.discourse-cdn.com/v4/letter/b/e47c2d/32.png) [@Buldog\_13](https://neofinancial.discourse.group/u/Buldog_13)\ **Post date:** [March 9, 2025, 11:20pm UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367/3 "2025-03-09T23:20:11Z")
I believe it has to be a “Walmart Supercenter” ---
**Author:** ![Sana\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/sana_neo/32/588_2.png) [@Sana\_Neo](https://neofinancial.discourse.group/u/Sana_Neo)\ **Post date:** [March 10, 2025, 4:00am UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367/4 "2025-03-10T04:00:08Z")
Hi @Buldog_13, glad to see you here! Welcome to the community, and thank you for sharing this 🌟 I’ve passed your feedback along to my team so we can look into ways to improve the network partner cashback. Excited to follow your journey! ---
**Author:** ![Buldog\_13](https://avatars.discourse-cdn.com/v4/letter/b/e47c2d/32.png) [@Buldog\_13](https://neofinancial.discourse.group/u/Buldog_13)\ **Post date:** [March 15, 2025, 7:35pm UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367/5 "2025-03-15T19:35:34Z")
Update on my Neo World Elite Mastercard Journey @Sana_Neo reached out to me on my last post, I can confirm she is a representative of Neo, she sent me a massive bag of Neo swag for my review of the card to-date. This was great. However, I don’t plan to let this bias my testing of the card. Although so far it’s been going well, my average rewards is just over 4.6% on my spending. I’ve been surprised that most of the rewards categories are legit, you go to a gas station, you get the gas station rewards, you go to a grocery store you get the grocery store rewards. There’s also the reward partners which are a bonus ontop of the base category rewards. I’m 2.5 months in and am already $219/$245 to pay the yearly rate of the card, along with the yearly rate for the premium option. That being said I did have some high spending months the last couple months. See below the swag she sent, a very nice tumbler, sweater, hoodie, pens, notebooks, keychain, stickers, pins, etc. All for free, Thankyou again @Sana_Neo > **[IMG-8464 hosted at ImgBB](https://ibb.co/21hQD5bQ)** > > Image IMG-8464 hosted in ImgBB > **[IMG-8463 hosted at ImgBB](https://ibb.co/LDDHh9qv)** > > Image IMG-8463 hosted in ImgBB ---
**Author:** ![DaveMac\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/davemac_neo/32/6_2.png) [@DaveMac\_Neo](https://neofinancial.discourse.group/u/DaveMac_Neo)\ **Post date:** [March 17, 2025, 4:27am UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367/6 "2025-03-17T04:27:53Z")
@futandrew Seems the Walmart supercentre near me counts into Groceries but I do not believe normal Walmarts are classified as Grocery with Mastercard. ---
**Author:** ![Alex-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/alex-neo/32/574_2.png) [@Alex-Neo](https://neofinancial.discourse.group/u/Alex-Neo)\ **Post date:** [March 17, 2025, 3:29pm UTC](https://neofinancial.discourse.group/t/trying-the-neo-world-elite-mastercard/1367/7 "2025-03-17T15:29:45Z")
Hey @Buldog_13! Glad you are enjoying the swag we’ve sent you! We look forward to hearing from you with updates throughout your journey!