Home Trust Secured Visa

The Home Trust Secured Visa is one of the most trusted credit-building cards in Canada, ideal for individuals who want to establish or rebuild credit without facing high fees or harsh approval criteria. Backed by a security deposit, this card provides access to the Visa network while helping you create a positive credit history over time.

Looking to rebuild or establish your credit with confidence? The Home Trust Secured Visa is a smart solution for Canadians who want the benefits of a Visa card — even if they have limited or damaged credit history. With a security deposit ranging from CA $500 to CA $10,000, your credit limit is set at the amount you deposit. Home Trust+2Home Trust+2

What makes it especially useful?

• Monthly reporting to Canada’s major credit bureaus helps you build or rebuild your credit profile.
• Two pricing options: no annual fee at 19.99 % interest, or CA $59 annual fee for a lower rate of 14.90 %.
• Global acceptance (over 200 countries) and Visa’s Zero Liability protection against unauthorized transactions.

If you’re ready to take control of your financial future and rebuild credit the right way, this card deserves a close look.

Top Features of the Home Trust Secured Visa

• Guaranteed approval (subject to ID and income verification)
• Choose your credit limit from $500 to $10,000, based on your deposit
• Reports to Equifax and TransUnion to help build or improve your credit score
• No annual fee option (19.99% interest)
• Low interest option: 14.90% with a $59 annual fee
• Use it online, in-store, and internationally — wherever Visa is accepted
• No monthly or hidden fees
• Refundable deposit if you close your account in good standing

Pros and Cons of the Home Trust Secured Visa Card

Pros:

• Accessible Approval: Perfect for individuals with limited or damaged credit histories — approval is based on your security deposit, not your credit score.
• Credit Building Tool: Reports monthly to Canada’s major credit bureaus, helping you establish or rebuild your credit profile over time.
• Worldwide Acceptance: Use it anywhere Visa is accepted, both in-store and online, across more than 200 countries.
• Flexible Deposit Options: Choose your own limit with a refundable security deposit between CA $500 and CA $10,000.
• Choice of Plans: Pick between no annual fee with a higher interest rate, or a lower interest rate with a modest annual fee.

Cons:

• Requires Upfront Deposit: You must provide a cash deposit to secure your credit line, which may be difficult for some users.
• Higher Interest Rates: The standard 19.99% APR is relatively high compared to some unsecured cards.
• Limited Perks: Unlike premium Visa cards, this one doesn’t offer travel rewards, cashback, or insurance benefits.
• Available Only in Canada: Applicants must be Canadian residents and at least 18 years old (19 in some provinces).

Why Choose the Home Trust Secured Visa?

With flexible approval, no hidden fees, and the ability to choose your credit limit, the Home Trust Secured Visa is one of the most accessible and trusted credit-building tools in Canada. Whether you’re starting from scratch or getting back on track, it gives you the foundation to improve your credit — with the flexibility and security of a Visa card.

Apply for the Home Trust Secured Visa Today

Take control of your credit future with a secured Visa card that works for you. Apply now, choose your credit limit, and start building better credit with no monthly fees and real purchasing power.

Ready to Take the Next Step?

The Home Trust Secured Visa Card is a practical and reliable way to build or rebuild your credit while enjoying the convenience of worldwide Visa access. With flexible deposit options and monthly credit reporting, it’s designed to help you take control of your financial future — one purchase at a time.

Click the button below to follow our step-by-step guide and learn exactly how to apply for your Home Trust Secured Visa Card today.