Annual Fee
$120
Our valuation
$25
Milesopedia first-year estimateFirst-year valueWelcome bonus$25Total$25Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
$25 cash back
Pros & Cons
Pros
- +Welcome Bonus: $25
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
- –No purchase protection
Our Review
With the Neo Secured Credit, you can easily obtain a secured credit card:
- Guaranteed approval*
- No hard credit check
- Only $9.99 per month
Get unlimited cash back from thousands of partners. Earn up to 15% boosted cash back at thousands of Neo partners across Canada.
Fees and interest rates
- Annual Fee$120
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate19.99%
- Balance transfer rate22.99%
- Cash advance rate22.99%
Terms & Conditions
Card Features
- Guaranteed approval* and no hard credit check
- International IDs accepted
- $9.99 monthly fee
- Up to 15% boosted cash back at thousands of Neo partners across Canada
Legal
*Terms & conditions apply. See the application for complete details.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Audrey may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Neo. All trademarks are property of their respective owners.