Best Secured Credit Cards in Canada - September 2026 | Un Accro du Rabais

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Neo Mastercard

Secured Neo Mastercard

Neo Cash 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

Features
Issuer: Neo
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: —

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United MileagePlus Neo World Elite Mastercard

United® MileagePlus® Neo World Elite® Mastercard

Neo United MileagePlus

Annual fee: $89
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $400
Welcome offerAfter $3,000 in 3 months: Up to 25,000 miles

Features
Issuer: Neo
Network
Loyalty Program: United MileagePlus

Fees and terms
Annual Fee: $89/yr
Min. annual income: $80,000+

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Rewards: Rate
United flights: 1.25x
Groceries: 1x
Restaurants: 1x

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KOHO Prepaid Mastercard Everything Plan

KOHO Prepaid Mastercard® Everything Plan

KOHOCash Back

Annual fee: $177
Welcome offer: 2 months free

Features
Issuer: KOHO
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $177/yr
Min. annual income: —

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Rewards: Rate
Gas & EV: 2x
Groceries: 2x
Transit: 2x

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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

Features
Issuer: KOHO
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $48/yr
Min. annual income: —

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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

Features
Issuer: KOHO
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $144/yr
Min. annual income: —

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Rewards: Rate
Groceries: 1.5x
Transit: 1.5x
Gas & EV: 1.5x

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