Choose how much you want your credit limit to be and rebuild your credit with this Secured visa.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Purchase Protection 90 days

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Our Review

If you are just starting out or trying to start over, secured credit cards can be extremely useful in helping to rebuild your credit.

Secured credit cards are unique. Because they are taking a chance on people who either have no credit or poor credit, they require their cardholders to put down a security deposit or "security funds". Often, but not always, these funds will match the amount of credit you are given, and will be given back to you when you close your account - assuming your account is paid in full and in good standing, of course.

The Home Trust Secured Visa is one of the few secured cards on the Canadian credit card market that can help you rebuild your credit.

Approving virtually everyone (even if you had to declare bankruptcy or have zero credit history), the Home Trust Secured Visa will give you a credit limit that matches your deposit, up to $10,000. As you use the card (and remember to pay your balance off in full every month), Home Trust will report monthly to Equifax and TransUnion, helping you to build or rebuild your credit.

Not only does this card give you the security of having a Visa, but it also gives you added security by covering all of your purchases with 90 days of Purchase Protection.

If a secured visa is what you need to help rebuild your credit, but you would feel more comfortable with a card that has a lower interest rate, you can pay an annual fee for a reduced rate. Either way, a secured visa from Home Trust could be exactly what you need to help get you on the right track.

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