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Best Secured Credit Cards in Canada - October 2026

Compare the best secured credit cards in Canada. Build or rebuild your credit with a refundable security deposit and guaranteed approval.

Neo Mastercard
Secured Neo Mastercard
NeoCash Back
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$25Total$25Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$25
Welcome offer
$25 cash back
Apply Now

on Neo Financial's website

Features
Issuer
Neo
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$120/yr
Min. annual income
—
Read full review
United MileagePlus Neo World Elite Mastercard
United® MileagePlus® Neo World Elite® Mastercard
NeoUnited MileagePlus
Annual fee
$89
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$320Total$320Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$320
Welcome offerAfter $3,000 in 3 months
Up to 20,000 miles
Apply Now

on Neo Financial's website

Features
Issuer
Neo
Network
Loyalty Program
United MileagePlus
Fees and terms
Annual Fee
$89/yr
Min. annual income
$80,000+
Read full review
Rewards
Rate
United flights
1.25x
Groceries
1x
Restaurants
1x
Read full review
KOHO Prepaid Mastercard Essential Plan
KOHO Prepaid Mastercard® Essential Plan
KOHOCash Back
Annual fee
$48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$20
Welcome offerAfter $1 in 1 month
$20 cash back
Apply Now

on KOHO's website

Features
Issuer
KOHO
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$48/yr
Min. annual income
—
Read full review
KOHO Prepaid Mastercard Extra Plan
KOHO Prepaid Mastercard Extra Plan
KOHOCash Back
Annual fee
$144
Welcome offerAfter $1 in 1 month
3 months free + $20 cash back
Apply Now

on KOHO's website

Features
Issuer
KOHO
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$144/yr
Min. annual income
—
Read full review
Rewards
Rate
Groceries
1.5x
Transit
1.5x
Gas & EV
1.5x
Read full review
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