Card Review & Application

4.5

out of 5

- A physical and digital secured card that doesn't require a hard credit check
- Security funds minimum of only $50, because wealth should never be a condition for building credit
- Guaranteed approval for all Canadians
- Earns cashback on everyday spending
- 15% welcome bonus cash back on your first purchase at 10,000+ Neo partners
- Average of 5% cash back at Neo partners
- No monthly or annual fees for free Standard rewards plans
- Track spending with real time notifications and view balance in seconds
- Cash out your rewards at any time.
- Issued by ATB Financial pursuant to license by Mastercard International Inc.



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 19.99% to 24.99% (variable)*
Annual Fee: $0*
Card Issuer: ATB Financial
Card Network: Mastercard
Card Category: Consumer (Secured)
Card Type: - Build Credit
- Guaranteed Approval
- New to Credit
- Sign-Up Bonus
- Virtual Card
- Reward Card
Credit Needed: Bad Credit OK*

The Path to a Brighter Financial Future. The Neo Card (Secured) is more than just a credit card - it's a path to a brighter financial future. With its guaranteed approval, no annual fees, and cashback rewards, this card is designed to help you build your credit history and achieve your financial goals, whatever they may be. Whether you're looking to establish credit for the first time or rebuild your credit history, the Neo Card (Secured) can help you get there.

The review prepared by

Rewards: - 15% welcome bonus cash back on your first purchase
- 5% cash back at Neo partners
- 1% cash back across all purchases
Expiration: None*
Yearly Limit: None*
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 19.99% to 24.99% (variable)*
Annual Fee: $0*
Grace Period: 21 days*
Min Credit Line: $50
Late Payment Fee: N/A*
Balance Transfer: No
APR Cash Advances: 24.99%
Additional Fees - FX Fee: 2.5%
For ROC
- Purchase: 19.99%-26.99%
- Cash Advance: 22.99%-28.99%
For QC
- Purchase: 19.99%-24.99%
- Cash Advance: 22.99%-25.99%
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* Published on Jul 19, 2023. Information relating to the Neo Secured Card may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.