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Neo Secured Mastercard

Neo Secured Mastercard

3.8/5

Neo Financial

Best for: Building credit

A secured card that helps build credit history while earning cashback — 1% on groceries and gas plus up to 5% at 10,000+ partner merchants. $7.99/month fee.

Annual Fee

$96

APR

19.99%

Cash Back

1%

Welcome Bonus

Reward Rates by Category

Groceries

1%

Gas

1%

Key Features

Guaranteed approval regardless of credit score
Builds credit reported to Equifax & TransUnion
1% cashback on groceries and gas
Avg. 5% cashback at 10,000+ partner merchants
Credit limit equals your security deposit ($50–$10,000)
Credit limit increases possible