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.
Cashback earned
$84
$/yr
Estimated Value
$84
After Fees
$-12
1st Year Value
$13
incl. welcome bonus
Annual rewards breakdown
Interest Rates
- Purchase Rate19.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
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. Ratesopedia 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.