Credit Based on Potential, not History

Secured Credit Card, No Credit Check!

4.5/5

★★★★★

Customer Reviews

Guaranteed Secured Mastercard

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$0

Annual Fee

5%

Average Unlimited Cashback

$50-$10,000

Credit Limit

$25

Sign-up Bonus

Top Features at a Glance:

Guaranteed and Instant Approval regardless of bad or no credit score.
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.

See Card Benefits

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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 Gain Access to the Credit You Deserve.

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

Apply

Submit your completed application for the Guaranteed Secured Mastercard.

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.

Build Credit

The Neo secured card™ may help you build your credit while earning cashback rewards – all with no annual fee. Unlike traditional credit cards, Neo won’t check your credit history, and you’re guaranteed approval.

Apply Now & Get $25 Sign-up Bonus →

“The card is great – tons of cash back rewards at local businesses, really intuitive and helpful messaging about your credit, etc. And the app is awesome too, rewards map/search, granular card management, etc, that I’ve never seen for another credit card.“

G. Jones
– Neo Customer

“Epic! It has made me love using a credit card. It’s effortless and easy to use. Requesting money from my bank account takes minutes and payment is applied instantly! No more needing to wait.“

K. DuPont
– Neo Customer

Ratings and Reviews

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

Voted Canada’s Best Cashback Card for a Reason

So many ways to earn cashback.

5%

Average Cashback.

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

15%

Welcome Bonuses.

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

0.5%

Cashback Guarantee.

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

Get Started Now →

FAQs

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

Will the Neo secured card require a credit check to be approved?

No – there are no hard credit checks for the Neo secured card. Approval is guaranteed and instant regardless of good, low, or no credit score.

What is the minimum amount I have to set aside for security funds?

Only $50 – because wealth should never (ever) be a condition for building credit.

Does Neo charge any fees?

No – the Neo secured card has no monthly or annual fees.

Is this a secured credit card?

Yes – but unlike other secured credit cards, the Neo secured card rewards you with cashback at thousands of places with no annual fees.

What makes the Neo secured card different from traditional credit cards?

The Neo secured card may help you build your credit while earning cashback rewards – all with no annual fee. Unlike traditional credit cards, Neo won’t check your credit history, and you’re guaranteed approval. You can use the Neo secured card just like you would any other traditional credit card, anywhere Mastercard® is accepted.

How much is the credit limit?

Your credit limit is equal to the amount of security funds you’ve set aside. This means you choose your limit based on your comfort level. For example, if you set aside $500 as your security funds, your credit limit is $500. The minimum amount of security funds to get started is $50.

Is the Neo secured card a prepaid card?

No, this is better. With a prepaid card, as you spend the funds, your balance decreases, and the card must be reloaded. The Neo secured card is like any other credit card where you borrow money (your credit) and pay your monthly statement. Security funds don’t mean your card is paid off; they only act as a payment guarantee. Plus, unlike with other cards, you’re getting rewarded with cashback everywhere you shop that you can cash out anytime for anything – all for no annual fees.

Will I get my security funds back?

Yes – your security funds will be returned to you if you decide to close your account and your balance has been paid off in full or if you move from the secured Neo Card™ to the standard Neo Card™.

What is the Purchase Credit Rate / APR?

The Purchase Credit Rate / APR on the Neo Card™ is 19.99%-26.99, and the Cash Advance Rate is 22.99%-28.99%. The standard rate on purchases and cash advances is dependent on Neo’s assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at the time of application for your specific rate.

Is Neo Financial Legit?

Yes, Neo Financial is legit and safe. The Neo secured Mastercard, the standard Neo Card™ and the Neo Hudson’s Bay Mastercards are issued by ATB Financial pursuant to license by Mastercard International Incorporated. ATB Financial is owned by the Government of Alberta.