Neo World Elite Mastercard - Gas & Grocery

Published minimum income $80,000

Relevant if: you can benefit from its documented earning categories.

Less suitable if: you do not recover at least $149 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$886

Fee: year one to be confirmed, then $149

Card details verified on October 30, 2026

Access application (via Milesopedia) ↗

Secure link via our official partner Milesopedia. You will be guided to Neo Financial’s site to complete your application.

View calculation details

For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $886
+ Offer (first 12 months): No confirmed offer included
= Estimate for this profile, without the offer: $886

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

No confirmed welcome offer is included in this estimate: it only covers the card’s recurring value minus the first-year fee.

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

No confirmed welcome offer

No welcome offer is confirmed for this card; Futello does not invent history.

Email me if this offer changes

Rewards

Category	Reward	Conditions
Gas	3%	$12,000 cap / year
Groceries	5%	$12,000 cap / year
Pre-authorized payments	4%	$6,000 cap / year
Other purchases	1%	Cap not documented

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for groceries

American Express Cobalt CardAmerican Express Canada · American Express

Annual fees: $191.88
Annual net value: $731.53

View card

Scotiabank Gold American Express CardScotiabank Canada · American Express

Annual fees: $120
Annual net value: $490

View card

Go further

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source