Neo Secured Credit
Guaranteed approval¹
No hard credit check²
Get started with as little as $50 security funds
Complete your application in 5 minutes.
Neo Secured Credit
1%Everyday cashback³Save money on essentials with cashback on gas and groceries, no matter where you pay for them.
Up to 5%Neo partner cashback⁴Earn cashback on food delivery, streaming and rideshare, restaurants, bars and cafes, and retail partners.
$0No Annual Fees⁵The Neo Secured Credit card is free to use, and there are no hidden fees, so you can focus on building your credit history⁶.
Everything you need to build credit history⁶
Guaranteed approval¹With guaranteed approval¹ and no annual fees⁵ you can start building your credit⁶ and earning unlimited, instant cashback.
Smart financial toolsGet a bird’s-eye view of your spending habits with Neo Insights. See all your purchases in one place, track your average, and explore details by category.
Customize your rewardsUpgrade your rewards with perks, flexible monthly subscriptions that boost your cashback and unlock extra benefits for your account
Flexible credit limitsWith a secured credit card, your credit limit is equal to the amount of security funds you set aside⁷. With Neo, you can start building credit with as little as $50.
Customize your rewards
Customize your rewardsThe Neo Secured Credit card lets you change your rewards to fit your life better. With flexible perks you can add to your card, it’s yours to shape.

Upgrade for more cashback and exclusive tools

Get credit score monitoring in the Neo app, plus boosted cashback when you upgrade to Premium.


The free plan that makes everyday spending more rewarding

1% cashback on gas and groceries³
Cashback at Neo partners
Powerful, simple money management tools
Get Base


Upgrade for more cashback + exclusive perks and features

3% cashback on gas and groceries³
Boosted cashback at Neo partners
All Base features + credit score monitoring, and more
Get the first three months free

Got questions?

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¹ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.² Excluding Quebec residents.³ Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information, visit the Neo App.⁴ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner.⁵ For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%).⁶ When you make payments in full and on time each month.⁷ Except in Quebec where the amount of the security funds is a variable amongst others, which helps establish your credit limit.