The Neo Secured Credit Card offers instant guaranteed approval making it a great choice for individuals with a poor or even no credit score. It’s a great way to build or rebuild credit; it’s accessible, has no annual fee—and offers unlimited cash back at thousands of partners.

Annual Fee	Credit Score	Regular APR
$0	Poor/Fair	9.99% – 26.99%

Cashback: Earn up to 5% cash back on purchases.

Welcome offer: Get 15% cash back on your first purchases, plus a $25 welcome cash bonus.

Special offer: You can earn 2% cashback at the pump or convenience store locations and 4% cashback on transactions made through the Shell App. This offer is only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.