The safety of our employees and our customers is our top priority. Due to the recent progression of COVID 19, we are moving many of our operations to remote locations. You may experience delayed processing times for credit card applications and longer than usual wait times when contacting customer support. We thank you for your patience as we follow these mandated public safety measures.

Design your way forward

The Home Trust Secured Visa* allows you to take control of your future by building your credit rating.

Choose a rate that’s right for you:
• 14.90% interest and $59 annually
• 19.99% interest and $0 annually

Apply Now

This credit card product is not available in Quebec

2021’s Best Credit Card for Building Credit
Rated the #1 secured credit card for 2021

Key features and benefits

Build credit

As long as you keep up to date with your payments, your credit rating will improve

Shop and pay online

Use it as you would any credit card: shop online, pay bills and set up accounts online

Flexible and convenient

Spend up to your deposit limit with the convenience and flexibility of a credit card

Pay for what you use

You’ll only pay monthly interest when you carry a balance on your Secured Visa

Choose no fee or low interest

Choose an annual fee of $59 and 14.90% interest or no annual fee and 19.99% interest

Set your own limit

Your limit is set at the amount of your deposit and can range from $500 to $10,000

Worldwide acceptance

Visa offers a secure and reliable method of payment in 200+ countries and territories

Benefits of a secured card

Prepaid cards can provide some of the convenience of a credit card, but there are differences between prepaid and the Home Trust Secured Visa.

Can improve your credit rating Does not improve your credit rating
Control spending limit with the amount of your deposit Needs reloading once balance is depleted
Accepted wherever you see the Visa logo Not accepted by all merchants
*Visa Int./Home Trust Company, licensed user of mark.