Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Hannah Logan, ForbesThis credit building secured card has a high approval rate and is a great option for Canadians with poor credit or no credit history who are looking to build up their credit score.
- Marija Pandurov, ReviewlutionOur Home Trust Secured Visa review found that this card, with its astonishing acceptance rate of 95%, is best suited for those starting again. As one of the top prepaid credit cards in Canada, It’s also perfect for people who want to rebuild their credit history after a bankruptcy or a bad stretch....
- Mohamed Konate, My Rate CompassBuild or re-build your credit, even if you’ve had credit difficulties in the past, or have never had a credit card before! An excellent opportunity to establish your credit rating. The Home Trust secured credit card is an excellent credit card that enables those who do not have a good credit score t...
- creditcardGeniusApproving virtually everyone (even if you had to declare bankruptcy or have zero credit history), the Home Trust Secured Visa will give you a credit limit that matches your deposit, up to $10,000. As you use the card (and remember to pay your balance off in full every month), Home Trust will report...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 14.9% |
| Balance Transfer Interest Rate |
Balance Transfers Not Allowed |
| Cash Advance Interest Rate | 19.8% |
| Rates & Fees | |
| Annual Fee | $59.00 |
| Balance Transfer Fee | |
| Cash Advance Fee |
1% Minimum of $2.50, maximum of $10.00 |
| Foreign Transaction Fee |
2% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders |
$19 per year for each card |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | No |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $500 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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