Best Secured Credit Cards in Canada - September 2026

• Guaranteed approval* and no hard credit check
• International IDs accepted
• $9.99 monthly fee
• Up to 15% boosted cash back at thousands of Neo partners across Canada

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

Welcome Bonus — up to 20,000 MileagePlus miles

• 5,000 miles on card activation and first transaction
• Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal bonus

• 5,000 miles per year when the account remains open and active with eligible spend within 365 days

Mile Earn Rates

• 1.25 miles per $1 on United and Star Alliance flights
• 1 mile per $1 on dining and groceries
• 0.75 miles per $1 everywhere else
• Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners

Benefits of the card

• Free First checked bag: Your first checked bag is covered on all your United-operated flights.
• Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
• Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
• Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.

World Elite Mastercard Benefits

• Mastercard Zero Liability
• Mastercard Global Service
• Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.

Insurance

• Emergency medical insurance
• Comprehensive Travel Insurance
• Extended Warranty and Purchase Protection
• Car Rental Collision and Damage Insurance

Chubb travel insurance is not offered in Quebec.

Maximize your travel: earn more miles on every flight

When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.

Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.

Get more value from your miles

As a United cardholder, your miles are worth more—and give you access to more options.

You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.

In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris^® business class, which are not always available to non-cardholders.

In practical terms, this means:

• You spend fewer miles on your flights
• You gain access to better seats and more options
• You can book travel experiences that are unavailable to other members

Special offer:

• Enter the code EARNKOHO when applying for your card.
• Get 2 months of the Everything Plan for free

Features:

• Earn an extra 2% cashback on eating & drinking, billing & services, and groceries on top of minimum 0.5% cash back on all purchases. Plus, receive up to 50% cash back at selected merchants.
• Accepted at Costco
• Earn 3.5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $22 per month billed monthly or $177 per year billed annually ($14.75 per month)
• Access the following features, exclusive to the Everything Plan:
  • No FX fees on purchases
  • 1 free international ATM withdrawal per month
  • Credit enhancement for $5/month instead of $10
  • Access all the features of a KOHO account such as Card Security, Goals, and RoundUps.
  • Strengthen your credit with the 6-month Credit Enhancement Program for only $5/month and earn cash back with the KOHO Prepaid Mastercard Complet.
  • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Special offer:

• Enter the code MILESOPEDIA when you apply for your card
• Earn a $20 cash bonus when you sign up for a KOHO account with our link and make your first purchase within 30 days of registration

Features:

• Get 1% cash back on groceries, meals, drinks and transportation
• Accepted at Costco
• Get 2% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $4 per month billed monthly or $48 per year billed annually
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Special offer:

• Enter the code KOHOMILES when applying for your card.
• Get 3 months’ subscription to the Extra Plan for free (a discount of $18 per month) and $20 cash back

Features:

• Earn 1.5% cash back on 3 main spending categories (food, bills & services, meals and beverages) plus a minimum 0.25% cash back on all purchases.
• Accepted at Costco
• Earn 2.5% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $18 per month billed monthly or $144 per year billed annually ($12 per month)
• No conversion fees on foreign purchases
• 1 free international ATM withdrawal per month
• Credit enhancement for $7/month instead of $10
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover