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Secured Neo Mastercard


Secured Neo Mastercard

NeoCash Back
Apply Now

on Neo's website

Annual Fee
$96
Welcome Bonus
$25
cash back
Bonus Value
$25
Estimated value
1st Year Value
$37

Pros & Cons

Pros

  • +Welcome Bonus: $25

Cons

  • –Foreign Transaction Fee (2.5%)
  • –No purchase protection

Our Review

With the Neo Secured Credit, you can easily obtain a secured credit card:

  • Guaranteed approval*
  • No hard credit check
  • Only $7.99 per month

Get unlimited cash back from thousands of partners. On average, you can earn up to 5% cash back at over 10,000 Neo partners across the country.

Rewards

All Spending

0x

Cash Back pts per dollar

Gas

1x

Groceries

1x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries1.00%
$700/month
Gas & EV1.00%
$200/month
Transit0.00%
$100/month
Restaurants0.00%
$300/month
Pharmacy0.00%
$50/month
Travel0.00%
$150/month
Bills & recurring payments0.00%
$250/month
Telecom0.00%
$150/month
Entertainment & streaming0.00%
$100/month
Office supplies0.00%
$0/month

Cashback earned

$108

$/yr

Estimated Value

$108

After Fees

+$12

1st Year Value

$37

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1.00%$84
Gas & EV$2,400/yr × 1.00%$24
Transit$1,200/yr × 0.00%$0
Restaurants$3,600/yr × 0.00%$0
Pharmacy$600/yr × 0.00%$0
Travel$1,800/yr × 0.00%$0
Bills & recurring payments$3,000/yr × 0.00%$0
Telecom$1,800/yr × 0.00%$0
Entertainment & streaming$1,200/yr × 0.00%$0
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.36%
Average earn rate on spend 1st year with welcome bonus0.44%
Total cashback on spend$108
Welcome bonus+$25
  • Earn $25 Cash Back after $0 in purchases in the first year
Total cashback earned$133

Interest Rates

  • Purchase Rate
    19.99%
  • Cash Advance
    22.99%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

  • Guaranteed approval* and no hard credit check
  • International IDs accepted
  • $7.99 monthly fee
  • Up to 5% cash back at partner merchants

Legal

*Terms & conditions apply. See the application for complete details.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Protégez-vous may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Neo. All trademarks are property of their respective owners.