Best Home Trust Credit Cards in Canada

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.

Other Credit Card Providers