Scotia Momentum® Visa Infinite +* Card
- Annual fee
$120$0- Welcome bonus
- $300
- Top reward
- 4% groceries
- Top-tier 4% on groceries and recurring bills
- Multi-year winner of best cash back card awards
Welcome bonus
Up to $75 cash back
Premium tiers may carry a monthly fee
Purchases
19.99%
Cash advances
22.99%
Rated by the CreditCardGuru Editorial Team
Neo's pitch is high cash back at a large network of partner merchants with no annual fee. Your real rate depends on where you shop, but for partner-heavy spenders it's compelling.
| Everyday spendingAverage 5% cash back at Neo partner merchants (varies) | 1% |
Welcome offer: Up to $75 cash back.
Premium tiers may carry a monthly fee.
Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Neo Financial can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Neo Financial's own website before you apply.
Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Neo Financial's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.
This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.
How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.
CreditCardGuru is not affiliated with Neo Financial. Trademarks belong to their respective owners.
Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
Cite this page
“Neo World Elite Mastercard Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/neo-world-elite-mastercard, updated June 1, 2026.
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