Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
—
Pros & Cons
Pros
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
- –No purchase protection
Our Review
The Home Trust Secured Visa Card is a secured credit card designed to build or rebuild your credit, with no annual fee.
Approval is based on a refundable security deposit ($500 to $10,000), not your credit history, making it accessible to most Canadians.
Rewards
All Spending
1x
pts per dollar
Interest Rates
- Purchase Rate19.99%
- Purchase rate (Quebec)19.99%
- Cash Advance19.99%
- Cash advance rate (Quebec)19.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- No annual fee
- 19.99% purchase interest rate
- Refundable security deposit of $500 to $10,000
- Helps build or rebuild your credit
- Reported to both major credit bureaus
- No credit history required
Legal
*Conditions apply. Information sheet.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Home Trust. All trademarks are property of their respective owners.