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Home Trust Secured Visa Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
Interest Rate: Purchases
Balance Transfer
Balance Transfer
Signup Bonus
Signup Bonus

Informr score
The Home Trust Secured Visa Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Home Trust Secured Visa Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Provide a minimum security deposit of $500.

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...


This 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.

- Hannah Logan, Forbes

Our 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....

- Marija Pandurov, Reviewlution
My Rate Compass
My Rate Compass

Build 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...

- Mohamed Konate, My Rate Compass

Approving 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...

- creditcardGenius


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
Sign up bonus No
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
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
Additional comments -
Terms & Conditions Official Terms & Conditions
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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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