Home Trust Secured Annual Fee Visa Card

First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
Apply now
Cash advance: 19.8%
%
Purchase interest rate
Cash advance: 19.8%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Apply now

Card details

Network: VISA
Provider: Home Trust
Card type: Low interest, Secured

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $59
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 14.9%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 19.8%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: N/A

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident

Get more details

Not available to residents of Quebec.
  • 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.
    •
  • 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
  • Applicants who have been discharged from Bankruptcy are eligible to apply at any time (Discharge Certificate may be requested)
  • Applicants who are in a Consumer Proposal can apply at any time