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.
Apply now

This credit card product is not available in Quebec

Home Equityline Visa for high credit limits, low interest rates and 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 7.99%–14.99%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.

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 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.

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.

Apply now

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

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%:


Minimum Payment = $10 + Interest + Fees:


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.