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
securedno feecash back
Neo® Secured Card review
4.1Rated 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
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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.