Best Home Trust Credit Cards in Canada

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category

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Credit card Purchase interest rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.99%
Cash advance 19.99%
$ 0 $ Get details
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Cash advance
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Cash advance
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Got bad credit or no credit? Home Trust prides itself on being able to help Canadians who need alternative financing solutions, in order to improve their situations. All credit card applications are reviewed by a person, not a computer, so find the right card for you and apply today.

Home Trust credit card overview

Home Trust caters to Canadians with past credit issues, no credit history, and those who are self-employed or have a lack of provable income. For those who can’t get credit cards from their own banks, Home Trust currently offers two solutions: the Home Trust Secured Visa Card and the Home Trust Equityline Visa Card.

The Home Trust Secured Visa Card lets you build or re-build your credit, regardless of any credit issues you’ve had in the past or if you need to establish your credit rating. This secured credit card requires you to make a security deposit, which your credit limit will be based on. You can make a minimum deposit of $500 with a maximum up to $10,000. If you don’t mind paying an annual fee, the Home Trust Secured Visa Card has a $59 annual fee or $5 per month with a reduced interest rate of 14.90%. If you’d rather have a no annual fee card, the standard interest rate of 19.99% applies for this card.

The Home Trust Equityline Visa Card lets us use your home’s equity to secure up to $100,000 in revolving credit that you can use to renovate your home, run your business, invest in your child’s education, consolidate debts into one monthly payment or meet your other financial needs. Whether it’s making everyday purchases, buying gas or paying your bills, you’ll also earn 1% cash back when you use your Home Trust Equityline Visa Card. This card has a low interest rate of 9.99%, no annual fee, and includes complimentary health and legal assistance services, fraud protection and insurance for car rentals and hotel reservations.


More on Home Trust

Home Trust – a subsidiary of Home Capital Group Inc. – is a federally regulated trust company that offers Canadians alternative financial solutions, including mortgages, loan consolidation, deposits, credit cards, retail credit services and home equity lines of credit. Home Trust focuses on providing services to clients with past credit issues, no credit history, or that are self-employed with a lack of provable income. With offices in Toronto, Vancouver, Calgary, Montreal and Halifax, Home Trust is one of Canada’s leading trust companies.


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