Neo Financial
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
securedno fee
Home Trust Secured Visa review
4.0Rated 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.
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Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team