Free Neo Build membership, normally up to $9.99 a month

World Elite cardholders get Neo's Build membership at no extra cost. It raises the Neo Savings rate to 2.5%, compared with 2% on the free Essentials plan. It also adds TransUnion credit score monitoring and the credit builder tool, and with a Neo Money card it pays back third-party ATM fees up to $5 per withdrawal.

Conditions: Included while you hold the Neo World Elite Mastercard. Other members pay $0 to $9.99 a month for Build. Savings rates are per year and can change without notice. ATM fee refunds cover Canadian-currency withdrawals at ATMs in Canada only. Neo Membership Policy terms apply.