Voted Canada’s Best Secured Credit Card¹

Guaranteed approval²
No hard credit check
No annual fee³
Complete your application in minutes.
A rewarding way to help build credit⁴
Earn up to6%on restaurants and bars⁵Eat, drink, be merry, and earn cashback at all of our food and beverage partners.
Earn up to4%on your favourite apps⁵Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash, UberEats.
Earn up to3%on gas and groceries⁶Save money on everyday essentials, plus get cashback at all your favourite retail brands⁵.
Earn0.5%on all other purchases⁷Earn a flat cashback rate on everything else when you pay with your Neo Secured Credit card.

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 month FREE

Got questions?

We’ve got answers.

⁸ Credit score monitoring is provided by TransUnion and is only available to customers who have subscribed to the Premium perk.Savvy New Canadians.¹ As awarded on December 5, 2023 by votes cast for best credit cards by Savvy New Canadians.⁵ Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner.⁶ 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 When you make payments in full and on time each month.³ 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%).² 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.⁷ Cashback is earned on eligible purchases with the Premium plan. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo.