My Rate Compass

Card Details

Bank Name: Home Trust
Network Type: VISA
Card Type: Personal

Fees

Annual Fee: $59
Additional Card Fee: $0
Purchases Interest Rate: 14.9%
Cash Advance Interest Rate: 19.8%

Eligibility

  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

Recommended Credit Score

Poor or No Credit (0-669)

Home Trust Secured Visa Card

Welcome Bonus:
 
Home Trust Secured Visa Card snapshot

Home Trust Secured Visa Card Review

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.

Virtually everyone is approved.

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 not available to residents of Quebec.
Home Trust Secured Visa Card Rewards
Home Trust Secured Visa Card Features
Priority airport services
No
Airport lounge access
No
Concierge service
No
Balance protection(Optional)
No
Purchase Security & Extended Protection Insurance
NO
Flight delay insurance,Baggage Insurance
No
Vehicule rental insurance
No
Travel accident insurance
No
Travel medical insurance
No
Home Trust Secured Visa Card User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 0 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

Home Trust Secured Visa Card FAQs
 

Advantages:

Low interest rate of 14.90% for purchases

The application process is very simple and almost everybody is approved!

No Annual Fee: The annual fee is the cost that your credit card provider automatically charges each year to your account to allow you to keep the card account open. There is no annual fee for this card.

 No-Interest Grace Period: 21 Days

The grace period is the time you have to pay your balance in full without incurring a finance charge at the end of your billing period.

 Set your own credit limit

Your credit limit is set based on your deposit and can range from $500 to $10,000. Your deposit amount will be your credit limit.You can choose your own credit limit and spending power with this card which gives you a lot of flexibility.

 90 days Purchase protection

Insures eligible items against theft or damage for 90 days from the date of purchase

 Shop and pay online

You can use your credit card to shop online, pay bills and set up accounts online

Visa Worldwide acceptance

You can use your credit card everywhere Visa is accepted in the world. Visa offers a secure and reliable method of payment in 200+ countries and territories.

 

Editor`s Review:

The Home Trust secured credit card is an excellent credit card that enables those who do not have a good credit score to rebuild and reestablish it.The card has an interest rate of 14.90% on purchases.

Almost everyone is approved(No credit, poor credit, bankruptcy and  consumer proposal).

To be approved for this secured credit card, the applicants need to provide a security deposit of $500 minimum and be of the age of majority in the province of residence.

This credit card does not offer any rewards but provides a 90 purchase protection to insure eligible items against theft or damage for 90 days from the date of purchase.

Each month Home Trust reports to Equifax and Transunion. This will ensure that your payment and credit history related to your Home Trust Secured credit card is updated with the major Canadians credit bureaus accordingly. You will need to make your payments on time each month to rebuild your credit.

Home Trust will give you back your deposit when you close your account.

The Home Trust secured credit card is one of the best cards in the market that can help you build your credit.

Already have this credit card? Tell us what you think

Click on the user reviews tab above to leave a review