| Category | Earn Rate | Cap |
|---|---|---|
GroceriesBest | 2% cash back | $1,000/mothen 0.5% |
Gas & FuelBest | 2% cash back | $1,000/mothen 0.5% |
Bills & UtilitiesBest | 2% cash back | $500/mothen 0.5% |
Streaming & SubscriptionsBest | 2% cash back | $500/mothen 0.5% |
Dining & Restaurants | 0.5% cash back | No cap |
Shopping | 0.5% cash back | No cap |
Travel & Hotels | 0.5% cash back | No cap |
Entertainment | 0.5% cash back | No cap |
Transit & Rideshare | 0.5% cash back | No cap |
Everything Else | 0.5% cash back | No cap |
Enter your monthly spending to estimate annual rewards with this card.
Typical benefits for mid tier tier cards. Actual coverage may vary.
Ecosystem Card — neo
This card offers enhanced earn rates within the neo ecosystem. Use it at partner merchants for maximum rewards.
Based on card-specific requirements where available; household income estimated by tier.
Cash advance, balance transfer, and late payment fees are typical for this card tier. Check the issuer for exact rates.
Benefits You Use: ~$0 of ~$475/yr
0%Emergency Medical Insurance
Coverage for medical emergencies while travelling outside your province or country
Extended Warranty
Doubles the manufacturer warranty (up to 1 extra year) on eligible purchases
Purchase Protection
Covers theft or accidental damage on new purchases for 90 days
Rental Car Insurance
Collision and damage coverage when you rent a vehicle and pay with your card