Rewards
Neo Mastercard - Secured
Apply Now
Minimum Annual Income
Required Credit Score
No
Canadian Residency
Yes
Neo Mastercard - Secured
Get a bonus of $25 when you sign up
Start building with Canada’s first credit card designed to grow with you. Receive guaranteed, instant approval, guided credit building tools, and 1% cashback on gas & groceries.
$217
First Year Value 
$96
Consecutive Years Value
Annual Fees
$95.88
(First year rebated)
Additional cards
$10
Interest Rates
19.99%
on purchase
QC: Between 19.99%-24.99%
22.99%
on cash advance
QC: Between 22.99%-25.99%
0%
on balance transfer
QC: Between 22.99%-25.99%
Neo Mastercard - Secured - Neo Financial
Estimated rewards for the first year*
Total Reward:
$217
Entertainment:
$12
Gas:
$60
Groceries:
$60
Restaurants:
$60
Other:
$0
Additional Bonus:
$25
Annual Fee:
$0
Total:
$217
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,
or on the amounts entered by the user in the expense calculator on this page, if provided.
Neo Mastercard - Secured - Neo Financial
Estimated rewards for subsequent years*
Total Reward:
$192
Entertainment:
$12
Gas:
$60
Groceries:
$60
Restaurants:
$60
Other:
$0
Annual Fee:
$95.88
Total:
$96.12
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,
or on the amounts entered by the user in the expense calculator on this page, if provided.
Reward Calculator
Enter your monthly expenses by category
$
$
$
$
$
$
$
Net Annual rewards the fisrt year
$
Net Annual rewards the subsequent years
Special Features
01
Credit builder secured credit card with cash back benefits
One of the few secured credit cards that also offers cash back rewards, so you can build your credit rating while earning cash back simultaneously.
02
Guaranteed approval
Guaranteed approval allows you to get this card regardless of credit history.
03
No credit check
No hard credit check is required (except in Quebec)
Similar Cards
Your Financial Journey Starts Here
Sign up for our newsletter and take control of your money, your way. Access exclusive tips, tools and personalized insights delivered straight to your inbox.
Thank you for subscribing to Hardbacon's newsletter!
This site is registered on wpml.org as a development site. Switch to a production site key to remove this banner.