Top features at a glance: Guaranteed credit card approval Establish or repair your credit Zero Liability protection, so you won't be held responsible for unauthorized use of your card
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
Yes
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Vehicle rental insurance
Yes
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Travel accident insurance
Yes
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Travel medical insurance
Yes
- Annual Fee: $59
- Additional Card Fee: $0
- Purchases Interest Rate: 19.8%
- Cash Advance Interest Rate: 21.9%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Price Protection Service Purchase Assurance Extended Warranty
Travel Benefits:
Common Carrier Travel Accident Insurance
Car Rental Collision/Loss Damage Waiver
Baggage Delay Travel Assistance
The Guaranteed Mastercard from Capital One is a unique and exciting product. This card offers guaranteed approval for applicants who meet some basic criteria. This card carries an annual fee of $59 and an annual interest rate of 19.8% on purchases, balance transfers, and cash advances.
This card's main feature is guaranteed approval, provided the applicants meets four basic criteria. Those criteria are (1) the applicant has reached the age of majority in his or her province or territory; (2) the applicant has not applied for a different Capital One account in the 30 days preceding the application for this card; (3) the applicant does not have an existing Capital One account; and (4) the applicant has not had a delinquent Capital One account in the year preceding the application for this card. Provided an applicant meets these four basic criteria, he or she is guaranteed to be approved for this credit card, regardless of his or her credit history or current credit score. Additional benefits include price assurance, purchase protection, extended warranties, a suite of travel insurance products, and zero-liability fraud protection.
The bottom line: The Capital One Guaranteed Mastercard is the perfect card for Canadians seeking to repair their credit. Using a credit card responsibly is one of the most effective ways to improve one's credit score and overall credit history. But it can be quite difficult to get a credit card in the first place for consumers with less than perfect credit. This card recognizes that consumers are more than just a number on their credit reports. We recommend the Capital One Guaranteed Mastercard for any Canadian looking to either establish a credit history or repair their credit. Doing so can go a long way toward setting oneself up for financial success in the future.
No Fee Home Trust Secured Visa Card Review 2023
The best way to get the credit you deserve.The application process is very simple and almost everybody is approved!
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.
Get all the benefits of Visa* while re-building your credit:
- Make purchases over the phone or online
- Plan and book a vacation
- Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
- Shop at over 24 million locations worldwide
The Home Trust Secured Visa Card is a credit card that requires a security
deposit for eligibility. Your credit limit is then set at the amount of the
deposit. You can put down as little as $500, or as much as $10,000
The Home Trust Secured Visa Card is not available to residents of Quebec.
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
