Access to your home equity with the convenience of a credit card
The Home Trust Equityline® Visa* card makes your plans for “some day” possible today. It provides access to your home’s equity with all the convenience and security of a credit card. It also helps you get more out of your everyday spending with a high credit limit, low rate, no annual fee and no foreign exchange fees.
This credit card product is not available in Quebec
Home Trust Equityline Visa offers high credit limits and low interest rates, with no foreign exchange fees
High credit limit
Use your home equity to secure anywhere from $20,000 to $1,000,000 in revolving credit. Use it to pay for renovations, a family vacation or other big ticket item. It’s up to you!
Low interest rate
With the Home Trust Equityline Visa, you have the freedom and flexibility to make your dreams a reality. Depending on your credit history, you can enjoy a low rate between 8.99%–15.99%1. Plus there’s NO prepayment penalty when you pay off the entire balance.
No foreign exchange fees
Whenever you use the Home Trust Equityline Visa for online shopping, or when you take a well-deserved vacation abroad, you pay NO exchange fees2 on foreign currency transactions.
Zero Liability policy
Your Equityline Visa also protects you from fraud. With the Visa Zero Liability3 policy, if someone makes unauthorized purchases using your card number, you pay nothing for their fraudulent activity.
Purchase Security insurance
Purchase Security insurance4 is included with your Home Trust Equityline Visa card. It insures eligible items against theft or damage for 90 days from the date of purchase.
No annual fee
All of the valuable benefits and features of the Home Trust Equityline Visa that you are reading about here are yours for NO annual fee. There’s no catch, just great benefits you can use towards your home, or other projects!
Worldwide acceptance
Accepted in more than 200 countries and territories, the Home Trust Equityline Visa offers you a secure and reliable method of payment, anywhere in the world. You can also shop safely with contactless payment technology wherever it’s available.
Online account services
Manage your Home Trust Visa account easily and securely — at anytime from anywhere in the world. Get your balance, view your transactions and pay your bills online at Home Trust Visa Online.
Digital Wallet ready
Pay for purchases using your mobile device by adding your Home Trust Visa to your Apple Pay, Google Pay or Samsung Pay Digital Wallet.
Interest savings calculator
Use your Home Trust Equityline Visa to consolidate debt. Enter the current debt amount you would like to consolidate and the interest rate to see how much you could save on an annual basis.
How much can you save?
Use this calculator to determine how much you can save on your annual interest payments by consolidating your debts into an Equityline Visa card:
Your interest savings with the EquityLine Visa:
Annual savings
at 9.99%:
$0
Minimum Payment = $10 + Interest + Fees:
$0
Annual interest:
Current interest cost
Equityline Visa
This calculator is provided for illustrative purposes only. No representation or warranty is made as to the accuracy, applicability or in relation to the savings that will be realized in any particular case. Savings will depend on your existing levels of credit card debt, the interest rates applicable to that debt, and on credit worthiness.
Home Trust Equityline Visa Frequently Asked Questions
The Home Trust Equityline Visa is a credit card secured by a mortgage against the equity you have in your home. It offers competitive rates and high credit limits, with the convenient access of a credit card.
While a standard home equity line of credit – or “HELOC” – is a loan in the form of a revolving line of credit, the Home Trust Equityline Visa offers access to your home’s equity with all the benefits, convenience and security of a credit card with no annual fee. You can use your Equityline Visa to pay for big ticket items such as home renovations or travel, purchase supplies for your business, or use it for everyday spend to earn cash back on your purchases.
That’s right! The versatile benefits of the Home Trust Equityline Visa are all yours for no annual fee.
With the Home Trust Equityline Visa, you can use your home equity to secure anywhere from $20,000 to $1,000,000 in revolving credit at a low interest rate, without the need to refinance your current mortgage.
The Equityline Visa offers useful travel benefits such as no exchange fees on foreign currency purchases, whether you are spending while abroad or shopping online. With your Equityline Visa credit card, you can also request a guaranteed hotel reservation anywhere in the world and your room will be held for you even if you arrive late.
The Home Trust Equityline Visa is accepted wherever you see the Visa symbol across more than 200 countries and territories.
Yes, you use your Home Trust Equityline Visa together to make cash advance transactions at any ATM that displays the Visa or MasterCard logo. You can withdraw up to 100% of your credit limit, subject to additional service fees.
You have several layers of protection when using your Home Trust Equityline Visa. This includes:
- Purchase Security (underwritten by Chubb Insurance), which insures eligible items against theft or damage for 90 days from the date of purchase
- The Visa Zero Liability Policy, which protects you from someone making unauthorized purchases using your card number
- Verified by Visa, which enhances online shopping security by requiring a password to authorize your transactions
Yes, you can manage your Visa account easily and securely at any time, and from anywhere. Get your balance and view your transactions by enrolling in Home Trust Visa Online.
Yes, your Home Trust Equityline Visa is compatible with Apple Pay, Google Pay and Samsung Pay. Now you can pay faster – an added benefit on top of all the other great features of your card. You can learn more by visiting hometrust.ca/digitalwallet.
Please visit our Digital Wallet FAQs to find out how you can add your Home Trust Equityline Visa to your digital wallet
In the event your card is lost or stolen, you can get help 24 hours a day, seven days a week, from anywhere in the world by calling 1-800-847-2911 (International: 1-800-847-2113). A Visa representative will replace your card and get it in your hands as soon as possible.
For information about your Home Trust Equityline Visa, or for any questions about the features and benefits of your card, please contact customer service at 1-877-727-6883, Monday to Friday from 8:00 am to 8:00 pm EST.
You can easily pay your credit card bill online with the following steps:
- Visit https://www.hometrust.ca, click on Login (top right corner) and then Visa Client Login, and follow the steps to enrol online account management
- Go to the Bill Payments section of your financial institution’s online banking system and add “Home Trust Visa” as a new payee*
- Enter your 16-digit card number in the account number field
- Make a bill payment to Home Trust Visa each month when payments are due
*You must complete this transaction from a bank account in your name. Third Party funds will be rejected.
Home Trust Visa Resources
1 Interest rate varies, depending on real estate collateral and borrower’s credit.
2 Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharge.
3 Certain restrictions, limitations and exclusions apply. The Visa Zero Liability policy protects Visa cardholders who have a Canadian issued Visa card and experience fraud through unauthorized use of their card. Visit visa.ca for more information.
4 Purchase Security insurance is underwritten by Chubb Insurance Company of Canada. Complete terms and conditions are outlined in the Certificate of Insurance provided with your Home Trust Visa card.