Is the Neo Secured Mastercard Still Available? How It Works in 2026

• Neo now offers a secured limit on its cards rather than describing one separate secured product.
• Neo's fee schedule, updated September 1, 2026, lists a $5 monthly secured card fee that Build and Grow members don't pay.
• Security funds start at $50 for most cards and are fully refundable, per Neo.
• Neo says every payment is reported to both TransUnion and Equifax.

Checked on the issuer’s own pages: October 5, 2026

Neo's secured page says a secured limit doesn't restrict which card you get. It only changes how your limit is set. You set aside security funds, and those funds set your limit.

Neo also says that if you meet the income requirements, you can get any Neo secured credit card. Income requirements differ by card, so check the one you want.

Neo's Mastercard disclosure and fee schedule, last updated September 1, 2026, lists a secured card fee of $5 per month. Customers on Build and Grow memberships don't pay it.

Neo's Mastercard page states Build membership is $9.99/month, with ways to get it for free (verified October 19, 2026). Maximum deposit: Not stated. Neo's secured page says you can start from as little as $50 for most cards (checked October 19, 2026).

Neo's secured page says every payment you make is reported to both TransUnion and Equifax. On-time payments at both bureaus are what build your history.