Test it for 3 months for free
Secured Neo Mastercard
No credit score needed.
The card designed to build or rebuild your credit score. Neo customers grow their score by up to 63 points in just 3 months.†
Special Offer
1% cashback on gas and grocery¹
Up to 15% with Neo partners²
$7.99/month fee waived with $5,000+ in deposits with Neo⁹
Monthly fee
$7.99 (free for the first 3 months)
Minimum income
None
Additional cardholder fee
$0
Purchase interest
19.99% - 29.99%
How does secured card works?
Apply in Minutes
Provide your information and submit your application. Approval is guaranteed⁶ 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.⁷ 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
My credit score has gone up 20 points in a few months.
Meela, Neo user
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 app⁸
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.