Neo Secured Card
4.1·Rebuilding credit while still earning cash back
- Annual fee
- No annual fee
- Top reward
- 1% everyday spending
- Rare secured card that earns cash back
- No annual fee on the standard tier
Rated by the CreditCardGuru Editorial Team
A go-to secured card for rebuilding credit: no annual fee, a modest refundable deposit, and reporting to the Canadian credit bureaus so responsible use lifts your score over time.
At a glance
- Annual fee
- No annual fee
- Foreign tx fee
- 2.5%
- Network
- VISA
- Rewards
- cash back
- Purchase APR
- 19.99%
Rewards & earn rates
| RewardsNo rewards — built to rebuild credit | 0% |
Pros & cons
Pros
- No annual fee secured card
- Approval with poor or no credit history
- Reports to the credit bureaus
Cons
- Requires a refundable security deposit
- Earns no rewards
Perks & insurance
Key perks
- Builds or rebuilds credit
- No annual fee (standard version)
- Reports to Canadian credit bureaus
- Security deposit from $500
Insurance
- Visa zero-liability protection
Rates & fees
- Annual fee
- None
- Purchase interest
- 19.99%
- Cash advance
- 19.99%
- Foreign transactions
- 2.5%
No-fee version; a low-interest version has an annual fee.
Compare Home Trust Secured Visa with…
Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions
Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Home Trust can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Home Trust's own website before you apply.
Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Home Trust's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.
This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.
How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.
CreditCardGuru is not affiliated with Home Trust. Trademarks belong to their respective owners.
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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.
Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
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Cite this page
“Home Trust Secured Visa Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/home-trust-secured-visa, updated June 1, 2026.