- Apply now, get $50 after qualifying spend*
- Get a 1 year trial of Build Membership ($120 value)*
Secured Neo Mastercard®
No credit score required.
The card designed to build or rebuild your credit score. Neo customers grow their score by up to 63 points in just 3 months.†
Exclusive Offer
Average of 5% cashback with Neo partners¹
$0 additional cardholder fee
Monthly fee
$̶9̶.̶9̶9̶ $0
Minimum income
None
Purchase interest
19.99% - 29.99%²
How does a secured card work?
Apply in Minutes
Provide your information and submit your application. Approval is guaranteed⁵ and it only takes a few minutes.
Fund Your Card
Open a Neo Everyday account and deposit $50 or more via Interac e-Transfer® or linked bank account to set your credit limit.
Start Building
Your security fund is fully refundable.⁶ Use your card for everyday purchases and watch your credit history grow.
How is this card different?
No income required
Ideal for students, newcomers, or anyone currently between jobs.
Guaranteed approval
Get approved regardless of your credit history—even with bad or zero credit.
You set your limit
You’re in complete control; your credit limit simply matches your security deposit.
Your deposit stays 100% yours
Fully refundable whenever you decide to close your account or upgrade
Tools to grow your credit history
Unlock powerful tools to build your credit history and help increase your limit with the Build membership.
Personalized tools to help you build your credit score
View your score & track your progress in the Neo app⁷
Unlock higher credit limits in as little as 3 months
Have a question about secured credit cards?
Here’s some common questions about security funds and credit building.