United Airlines & Star Alliance
1.25 miles per $1 on United & Star Alliance flights
GUARANTEED APPROVAL
Updated Jul 2026
Secured Cards
A guaranteed approval path to a better credit score. Perfect for establishing your financial history.
CREDIT CARD
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Compare Top Secured Credit Building Cards
Comparing results based on your preferences.
Auto-updates
No credit score required. Instant approval and access to virtual card to start using immediately
Annual Fee
$89
Purchase
19.99%
Cash Adv.
22.99%
Neo Financial
Best For
[
Travel Rewards
]
[
Secured Cards
]
[
Newcomer
]
Est. 1st Yr Value: $448
Welcome Bonus: Earn up to 25,000 MileagePlus miles (5,000 miles on card activation and first transaction and 15,000 miles when you spend $3,000 net of refunds within 3 months of application)
A premium Canadian airline co-brand credit card that helps everyday Canadians turn their daily spending into real travel rewards, backed by the global reach of the United MileagePlus program and the Star Alliance network.
Highlights:
Travel Medical Insurance
•
World Elite Mastercard Benefits
•
Free Checked bag
•
NEXUS Application Fee Rebate
+2 more
Earn Up to 25,000 MileagePlus miles
Secure provider site
ELIGIBILITY
Rec. Score:
300 - 574
Personal Inc:
$80,000
Household Inc:
$150,000
Purchase APR
19.99%
Cash Advance APR
22.99%
Annual Fee
$89
Foreign Tx Fee
3%
Personal Income
$80,000
Household Income
$150,000
Credit Score
Poor
Add. Card Fee
$0
No credit score requirement. Instant approval and access to virtual card to start using immediately
Annual Fee
$149
Purchase
19.99%
Cash Adv.
22.99%
Neo Financial
Best For
[
Cash Back
]
[
Travel Rewards
]
[
Secured Cards
]
Est. 1st Yr Value: $310
Cash Back
The Secured Neo World Elite® Mastercard lets you grow your credit history while unlocking premium perks and elevated cashback on your everyday spend.
Highlights:
Good for building or rebuilding credit
•
Newcomer Friendly
•
Everyday Cash Back
•
Travel Medical Insurance
+6 more
View Offer
Secure provider site
ELIGIBILITY
Rec. Score:
300 - 574
Personal Inc:
$80,000
Household Inc:
$150,000
Purchase APR
19.99%
Cash Advance APR
22.99%
Annual Fee
$149
Foreign Tx Fee
3%
Personal Income
$80,000
Household Income
$150,000
Credit Score
Poor
Add. Card Fee
$49
featured
Open and fund your KOHO account for a chance to win $60,000 toward groceries.
Annual Fee
$177
Purchase
0%
KOHO
Best For
[
Cash Back
]
[
Low Interest
]
[
Secured Cards
]
Est. 1st Yr Value: $183
Cash Back
Highlights:
Good for building or rebuilding credit
•
Earn cash back on every purchase
•
High savings interest
Purchase APR
0%
Cash Advance APR
—
Annual Fee
$177
Foreign Tx Fee
0%
Personal Income
—
Household Income
—
Credit Score
Poor
Annual Fee
$9.99
Purchase
0%
Cash Adv.
0%
BMO Bank of Montreal
Best For
[
Student
]
[
Secured Cards
]
[
Newcomer
]
Est. 1st Yr Value: $170
Welcome Bonus: Enjoy a reloadable and secure card for your day-to-day transactions.
Highlights:
Bad Credit & Rebuilding
•
Extended Warranty Insurance
•
Purchase Security Insurance
Purchase APR
0%
Cash Advance APR
0%
Annual Fee
$9.99
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
No credit score needed to apply. Guaranteed, instant approval*
Annual Fee
$96
Purchase
19.99%
Cash Adv.
22.99%
Neo Financial
Best For
[
Cash Back
]
[
Student
]
[
Secured Cards
]
Est. 1st Yr Value: $116
Cash Back
The Secured Neo World Mastercard® is designed to help you grow your credit history and reward you with elevated cashback on every purchase.
Highlights:
Good for building or rebuilding credit
•
Student Friendly
•
Newcomer Friendly
•
World Mastercard Benefits
View Offer
Secure provider site
ELIGIBILITY
Rec. Score:
300 - 574
Personal Inc:
$50,000
Household Inc:
$80,000
Purchase APR
19.99%
Cash Advance APR
22.99%
Annual Fee
$96
Foreign Tx Fee
3%
Personal Income
$50,000
Household Income
$80,000
Credit Score
Poor
Guaranteed, instant approvals*. Access to virtual credit card immediately
Annual Fee
$0
Purchase
19.99%
Cash Adv.
22.99%
Neo Financial
Best For
[
Cash Back
]
[
Low Interest
]
[
No Annual Fee
]
Est. 1st Yr Value: $72
Start today with the Neo Mastercard and get approved instantly. We’ll help you build your credit and borrow better. Canada’s first card designed to grow with you.
Highlights:
Good for building or rebuilding credit
•
No Annual Fee
•
Student Friendly
•
Newcomer Friendly
+1 more
Purchase APR
19.99%
Cash Advance APR
22.99%
Annual Fee
$0
Foreign Tx Fee
3%
Personal Income
—
Household Income
—
Credit Score
Fair
Add. Card Fee
$10
featured
Open and fund your KOHO account for a chance to win $60,000 toward groceries.
Annual Fee
$48
Purchase
0%
KOHO
Best For
[
Cash Back
]
[
Low Interest
]
[
Student
]
Est. 1st Yr Value: $69
Cash Back
Credit Building Zero Anxiety. Guaranteed Approval. No Interests. No Deposits. No Credit Checks. No late fees.
Highlights:
Good for building or rebuilding credit
•
Earn cash back on every purchase
•
High savings interest
Purchase APR
0%
Cash Advance APR
—
Annual Fee
$48
Foreign Tx Fee
1.50%
Personal Income
—
Household Income
—
Credit Score
Poor
featured
Open and fund your KOHO account for a chance to win $60,000 toward groceries.
Annual Fee
$144
Purchase
0%
KOHO
Best For
[
Cash Back
]
[
Low Interest
]
[
Student
]
Est. 1st Yr Value: $47
Cash Back
Highlights:
Good for building or rebuilding credit
•
Earn cash back on every purchase
•
High savings interest
Purchase APR
0%
Cash Advance APR
—
Annual Fee
$144
Foreign Tx Fee
0%
Personal Income
—
Household Income
—
Credit Score
Poor
Annual Fee
$0
Purchase
29.90%
Cash Adv.
29.90%
CAPITAL ONE CANADA
Best For
[
No Annual Fee
]
[
Secured Cards
]
Highlights:
No Annual Fee
•
Bad Credit & Rebuilding
•
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
+3 more
Purchase APR
29.90%
Cash Advance APR
29.90%
Annual Fee
$0
Foreign Tx Fee
—
Personal Income
$0
Household Income
—
Credit Score
Poor
Add. Card Fee
$0
Annual Fee
$0
Purchase
29.90%
Cash Adv.
29.90%
CAPITAL ONE CANADA
Best For
[
No Annual Fee
]
[
Secured Cards
]
Highlights:
No Annual Fee
•
Bad Credit & Rebuilding
•
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
+3 more
Purchase APR
29.90%
Cash Advance APR
29.90%
Annual Fee
$0
Foreign Tx Fee
—
Personal Income
$0
Household Income
—
Credit Score
Poor
Add. Card Fee
$0
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Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
SPEC SHEET
Find best cards by features:
Filter our database by the specific perks and coverages that matter to you.
ISSUERS
Browse by Bank & Issuer:
Filter our database to see offers from specific Canadian financial institutions.
PAYMENT NETWORKS
Browse by Network:
Filter by Visa, Mastercard, or Amex acceptance.
CARD LEVELS
Browse Cards by Tier:
From entry-level options to exclusive black cards. Find the eligibility level that fits you.
KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top Secured Credit Building Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
Contactless payments use encryption technology similar to Chip & PIN transactions. Limits are typically placed on the amount allowed per tap (e.g., $100-$250) to minimize risk. If a thief exceeds this limit, a PIN is required. You are also protected by the issuer's Zero Liability policy for fraudulent tap transactions.
A hard inquiry (from a credit application) typically remains on your credit report for up to 36 months, though its impact on your credit score generally diminishes significantly after the first 12 months.
With a secured credit card, your deposit is generally held as collateral. It is typically returned to you if you close the account in good standing with a zero balance, or if the issuer decides to upgrade you to an unsecured card after a period of responsible use.
Most Canadian credit cards charge a fee (typically 2.5%) on top of the exchange rate for any transaction made in a currency other than Canadian dollars. Cards marketed as 'No Foreign Transaction Fee' generally waive this 2.5% surcharge, though the exchange rate itself is still determined by the card network (Visa/Mastercard/Amex).
You should contact your card issuer immediately to lock or cancel the card. Many issuers also offer a 'Lock Card' feature in their mobile app which can prevent new transactions instantly. Once reported, the issuer will typically send a replacement card with a new number.
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Visit our Financial Education Hub
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