Credit Based on Potential, not History

Secured Credit Card, No Credit Check!


Customer Reviews

guaranteed secured mastercard canada

Guaranteed Secured Mastercard


Annual Fee


Average Unlimited Cashback


Credit Limit


Sign-up Bonus

neo guaranteed secured credit card canada

Top Features at a Glance:

  • Guaranteed and Instant Approval regardless of bad or no credit score.
  • Build or improve your credit.
  • Requires no hard credit check to apply.
  • No monthly or annual fee.
  • 15% cashback welcome bonus ($25 value) with ongoing unlimited 5% cashback.
  • Credit limit: $50-$10,000.
  • Flexible Limits: Increase your credit limit whenever you need.
  • Security funds are required. What are security funds?
  • New To Credit or Bad Credit? No Problem!
  • Get credit with a Mastercard designed for those who need a fresh start.

You’re Guaranteed Instant Approval as long as you meet these three conditions:

1. You’re a resident of Canada.

2. You’re at least the age of majority in your province or territory of residence.

3. You provide the necessary security funds – between $50 to $10,000.

How to Get this Mastercard and Start Building Your Credit

A secured credit card for ALL, regardless of your credit history.


Apply Now and submit your completed online application for the Guaranteed Secured Mastercard. Unlike traditional credit cards, Neo won’t check your credit history, and you are guaranteed approval.

Provide Security Funds

Receive instant approval and provide the required security funds – these act as collateral and help show Neo Financial you’re committed to using the card responsibly. Get started with just $50.

Build Credit

Build or improve your credit score with responsible use while earning cashback rewards – all with no annual fee. Unlike a debit or prepaid card, Neo will report your credit card activity to credit reporting agencies monthly.


Ratings and Reviews

⭐️⭐️⭐️⭐️⭐️ 4.5/5
Customer Reviews
Read Neo Secured Card Review >

Take Control and Build Your Credit Score with Responsible Use

neo guaranteed secured credit card

Improve Your Credit

Neo Financial reports your credit card activity to Canadian credit reporting agencies on a monthly basis. Use your card responsibly to help establish or improve your credit.

Build for the Future

A good credit score gives you more options – it can help you get better interest rates on loans and can increase your chances of getting approved for an apartment rental or mortgage.

Voted Canada’s Best Cashback Card for a Reason

So many ways to earn cashback.


Average Cashback.

Earn an average of 5% unlimited cashback at thousands of Neo partners.


Welcome Bonuses.

Earn up to 15% cashback on your first purchase at participating partners.


Cashback Guarantee.

If your overall cashback falls below 0.5%, Neo will top you up.

Neo Secured Credit Card Perks

Whether you’re into travel, food, or staying fit, adding perks to your Neo Secured Credit card can transform your rewards experience and help you get more from all the things you need and love.


Everyday Essentials

• 1.5x more boosted cashback at gas, grocery, and liquor store partners.
• Exclusive offers at major wholesale stores like Costco and Walmart.
• Life insurance protection to cover your card balances.


Travel Perks

• 2% cashback on foreign transactions.
• Boosted cashback at travel partners.
• Worldwide airport lounge access.
• Comprehensive travel insurance coverage for trip cancellation, flight delay, and more.

Mastercard Benefits

Mastercard Global Service™

If your card is lost or stolen, this service provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.

Zero Liability

If you’re worried about unauthorized charges being made to your account, relax. As a Capital One cardholder, you’re protected. We provide Zero Liability for unauthorized use of your card. That means you won’t pay for any unauthorized purchases on your card.

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Frequently Asked Questions (FAQs) about the Neo Secured Mastercard™


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