Home Trust Secured Visa
4.0·Building or rebuilding credit with no annual fee
- Annual fee
- No annual fee
- Top reward
- No rewards
- No annual fee secured card
- Approval with poor or no credit history
Rated by the CreditCardGuru Editorial Team
A modern secured card: it reports to the credit bureaus to help you rebuild while still earning cash back at Neo partners — unusual for a credit-builder card, with no annual fee on the standard tier.
At a glance
- Annual fee
- No annual fee
- Foreign tx fee
- 2.5%
- Network
- MASTERCARD
- Rewards
- cash back
- Purchase APR
- 19.99%
Rewards & earn rates
| Everyday spendingAverage 5% at Neo partners (varies) | 1% |
Pros & cons
Pros
- Rare secured card that earns cash back
- No annual fee on the standard tier
- Approval with low or no credit
Cons
- Requires a security deposit
- Top rates depend on partner offers
Perks & insurance
Key perks
- Builds credit with a security deposit
- No annual fee on the standard tier
- Earns cash back at Neo partners while you rebuild
- Reports to the credit bureaus
Insurance
- Mastercard zero-liability protection
Rates & fees
- Annual fee
- None
- Purchase interest
- 19.99%
- Cash advance
- 22.99%
- Foreign transactions
- 2.5%
Standard tier no fee; premium tiers may add a monthly fee.
Compare Neo Secured Card 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 Neo Financial can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Neo Financial'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 Neo Financial'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 Neo Financial. 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
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Cite this page
“Neo Secured Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/neo-secured-card, updated June 1, 2026.