Secured Neo Mastercard

NO CREDIT SCORE REQUIRED.

Build your credit history while earning cashback. Neo customers grow their score by up to 63 points in just 3 months.†

Borrowell Offer

Get $50 when you're approved for a Secured Neo Mastercard.*

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Sign up and get this cardI already have a Neo account

  • Up to 15% with Neo partners²

  • See if you qualify first—no hard credit check, no impact to your credit score†

Monthly fee

$̶9̶.̶9̶9̶ (Waived first year)

Minimum income

None

Purchase interest

19.99% - 29.99%

Find the right Neo card for you with no hard credit check

You may have more options than you think. See what’s available to you first‡.

Start with your details

1

Even if you began on a specific Neo credit card page, the information you provide may show that other Neo credit cards are available to you.

Review your options

2

We’ll show you Neo credit cards you may be eligible for based on the details you provide. This is a pre-qualification step only—it is not an application and will not impact your credit score.

Choose and apply

3

Select the card that best suits you. A hard credit check and formal terms and conditions apply only if you choose to continue with an application.

How does a secured credit card work?

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.

More Secured Neo Mastercard Benefits

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Schedule card payments

Set up auto-pay so you never miss a monthly payment.

Mastercard Zero Liability³

Help protect your card from purchases you didn’t make.

Financial insights

Get a live, personalized view of your spending.

Costco® exclusive

Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.

Instant virtual card access

Start spending as soon as you’re approved with your virtual card.

Auto-Pay

Set and forget payments so you can stay on top of bills.

Take the guesswork out of credit building.

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

Apply Now
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Simplicity that doesn’t sacrifice security

Every Neo Mastercard comes with advanced technologies to protect your privacy and help prevent unauthorized purchases.

  • Real-time alerts

    Get notified when your card is used so you’ll never find a surprising purchase on your statement.

  • Advanced fraud monitoring

    Neo uses AI to monitor for unusual activity while keeping your personal data private.

  • App Controls

    Lock your card instantly from the app if you lose your card or suspect any unusual behaviour.

Privacy and security at Neo
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Interested in more options?

Explore other cashback credit cards.

Neo Mastercard

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Monthly Fee

$0

Minimum Income

None

Cashback at our thousands of Neo partners²

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Secured Neo World Mastercard®

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Monthly Fee

$9.99

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

2%

Grocery¹

2%

Gas¹

2%

Recurring payments¹

0.5%

Everything else¹

No credit score required

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Have a question about secured credit cards?

Here’s some common questions about security funds and credit building.

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