Expand your thriving business
- Use the equity in your home to help fund expansion projects
- Make purchases with the convenience of a Visa credit card
Help secure your financial future
- Use the equity in your home to consolidate debt
- Combine your debts into manageable payments
Create the home of your dreams
- Use the Home Trust One Charge to access revolving credit to purchase your home and pay for necessary repairs
Get more out of owning your home,
with no fees
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. Plus you get 1% CashBack Rewards on all eligible purchases with no cap.
This credit card product is not available in Quebec
The Home Trust Equityline Visa card unlocks
your home’s equity, with no 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 5.99%–14.99%1. Plus there’s NO prepayment penalty when you pay off the entire balance.
CashBack Rewards
All of your eligible purchases earn 1% cash back2 — with NO cap — making your money work harder for you on your everyday spending. Save for an adventure, household project or pay down your balance — the choice is yours!
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 fees3 on foreign currency transactions.
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!
Zero Liability policy
Your Equityline Visa also protects you from fraud. With the Visa Zero Liability4 policy, if someone makes unauthorized purchases using your card number, you pay nothing for their fraudulent activity.
Purchase Security insurance
Purchase Security insurance5 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.
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.
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 monthly payment at 1%:
$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.
1 Interest rate varies, depending on real estate collateral and borrower’s credit.
2 Cash advances, balance transfers, interest, fees and foreign transactions (including online purchases in foreign currencies) are not eligible for CashBack Rewards.
3 Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharge.
4 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.
5 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.