This credit card is designed for people with limited or no credit history, or who have had credit problems in the past. It works just like any other Visa card, online or in person payments, bill payments, cash advances and more.
| Positive points | Negative points |
|---|---|
| Acceptance virtually guaranteed | Late payment fee |
| Online account services | At least 18 or 19 years old |
This card can be a good option for those looking to establish or rebuild their credit, as it is a secured credit card that requires a security deposit before it can be used. If you are just starting out or even coming out of bankruptcy, the card will help you rebuild your credit rating. Your credit line will grow with Home Trust, positioning you to take the next step toward getting approved for other credit cards.
Your security deposit protects your secured card, earns interest, and is refundable if you decide to close it. Home Trust is a member of the Canada Deposit Insurance Corporation , so you can be assured that your security deposit is completely safe. This Home Trust secured visa review will explore the card's features, benefits, customer reviews, and alternatives.
| Benefits | |
|---|---|
|
Credit
|
Build your credit |
|
Annual fee
|
No annual fee |
|
Protection
|
90-day purchase protection |
|
Interest Rate
|
Low interest rate |
Online account services
You can easily manage your Visa Home Trust at your convenience around the world, regardless of your location. With online account services, you can securely pay your bills, get your outstanding balance, get cash advances, shop and pay online, and view your transactions. Click the button below to apply for your card:
I Want My CardLow interest rate
The Home Trust Secured credit card has a low interest rate, which means that you will be charged a lower interest rate on your unpaid balances compared to some other credit cards. This can be beneficial if you carry a balance on your credit card on a month-to-month basis, as you will have fewer interest charges over time. The card offers a low interest rate of 19.99% for all purchases, which is only charged when you carry a balance.
No annual fee
It is impressive that there are no annual fees on this secured credit card with an interest rate of 19.99%, which is only charged when you carry a balance. Having an annuity-free credit card can be beneficial in many ways and can help you save money on fees because you won't have to worry about the added cost of an annuity.
90-day purchase protection
If you purchase with your Home Trust Secured credit card and the item is damaged, stolen or lost within 90 days of the purchase date, you can file a claim with Home Trust to have the item repaired or replaced or to receive a refund for the purchase price. Click the button below and apply for your card:
I Want My Card
