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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…

vs Home Trust Secured Visa
Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team

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