Cash Back
No Annual Fee
Student
Neo Mastercard
Neo Financial
Annual Fee
$0
Purchase APR
19.99%
Cash Adv. APR
22.99%
RateBuddy Verdict
The Good
- Extremely accessible with no annual fee and zero minimum income requirements.
- Ability to earn extra cash back via 10,000+ Neo partner locations coast to coast.
The Trade-offs
- The base earning rates (1% on gas and groceries) are quite low.
- If you need the secured version to rebuild credit, it requires a $7.99/month Build membership.
- Does not offer the premium travel or shopping insurances found on higher-tier cards.
Rewards & Earnings
Groceries 1.00%
Gas & Transit 1.00%
Base Rate 0.00%
Rewards Summary: Earn 1% cash back on Groceries and Gas/EV Charging, plus access to high cash back rates at 10,000+ Neo partner locations.
- Grocery, Gas/EV Charging: 1% Cash Back
- Neo Partners: Average cash back varies based on current offers at 10,000+ partners coast to coast.
Welcome Bonus Details
Features & Benefits
No Annual Fee
No annual fee for life
Bad Credit & Rebuilding
Available as a secured card (requires $7.99/mo Build membership)
Employee Cards
Additional cardholder fee is $10
Additional Perks
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Insurance Coverage
Mastercard Zero Liability
Included against unauthorized purchases
Rates & Fees Details
| Purchase APR | 19.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card | $10.00 |
| Income Required | No specific requirement listed. |