Establish or rebuild credit with Home Trust Secured Visa

For over a decade, the Home Trust Secured Visa* card has been helping people take control of their future by helping them build their credit rating. In fact, the Home Trust Secured Visa has consistently garnered industry recognition as one of Canada’s leading secured credit cards by by creditcardGenius, which recently voted it 2025’s Best Low Rate Secured Card.

Whether you are new to Canada or are looking to resolve credit issues, building your credit score with the Home Trust Secured Visa can help you get better interest rates on loans and can increase your chances of getting approved for a rental or a mortgage. Almost everyone who applies and puts down a deposit is approved so apply for the Home Trust Secured Visa credit card and take your dreams further. Start building your credit today!

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secured

This credit card product is not available in Quebec

Access credit, convenience, and security with Home Trust Secured Visa

Build your credit history

Use your Secured Visa card for your everyday shopping and build your credit history. As long as you keep up to date with your payments, your credit rating will continue to improve.

No annual fee

All of the valuable benefits and features of the Home Trust Secured Visa are yours for NO annual fee2 with a 19.99% interest rate, which is only charged when you carry a balance. If you prefer to have a lower interest rate, you can choose to pay an annual fee of only $59 and get a 14.90% interest rate.

Zero Liability policy

The Visa card that helps build your credit 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.

Worldwide acceptance

Shop and pay online in more than 200 countries and territories. The Home Trust Secured Visa offers you an immediate 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.

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Build your way to a better credit rating

The Home Trust Secured Visa card is designed for people with untraditional credit histories such as self-employed individuals, students, newcomers to Canada and anyone with past credit issues. It allows you to take control of your future by building or rebuilding credit.

To learn more, visit our guide to understanding credit scores.

SECURED VISA PREPAID CREDIT CARD
Can build or rebuild your credit history and improve your credit rating Does not improve your credit history or rating
Control your spending limit with the amount of your deposit Card continually needs reloading once balance is depleted
Accepted wherever you see the Visa logo almost anywhere in the world Not accepted by all merchants

How the Home Trust Secured Visa works

Your limit is set at the amount of your deposit, which can be anywhere from $500 to $10,000. Your deposit will stay with Home Trust for as long as you hold your card. Home Trust is a member of the Canada Deposit Insurance Corporation so your security deposit is fully protected for added peace of mind.

Once our top rated secured Visa card is issued, we report your file to the credit bureau every month and your credit history is established. Use your Home Trust Secured Visa card it like you would any credit card: shop, pay bills, rent vehicles and set up accounts online.

Regular monthly payments are required, but with each payment you’ll be doing what counts – building a better credit rating. As long as you keep up to date with your payments, your credit rating will improve.

Home Trust Secured Visa Frequently Asked Questions

Read more about Secured Visa benefits and services
Card benefits
What is a secured credit card?

A secured credit card is a credit card that is backed by collateral, which is typically in the form of a cash deposit that you provide to the secured credit card issuer.

How can the Home Trust Secured Visa improve my credit rating?

The Home Trust Secured Visa is a highly effective way to build or repair your credit history because almost everyone who applies and puts down a deposit is approved – and once that happens, we start reporting your file to the credit bureau every month, which helps to establish your credit history.

Who can benefit from having a Home Trust Secured Visa credit card?

The Home Trust Secured Visa is designed for customers with unconventional credit histories, such as students, newcomers to Canada, people with past credit issues and self-employed individuals.

How big will the credit limit on my Home Trust Secured Visa credit card be?

Your credit limit will be determined by the amount you put in your security deposit, which can range from a minimum of $500 to a maximum of $10,000.

Where is the Home Trust Secured Visa accepted?

The Home Trust Secured Visa is accepted wherever you see the Visa symbol across more than 200 countries and territories.

How secure is the Home Trust Secured Visa?

You have several layers of protection when using your Home Trust Secured Visa. This includes:

  • 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
Can I use my Home Trust Secured Visa to withdraw money as a cash advance?

Yes, you use your Home Trust Secured 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.

Services
Can I manage my Home Trust Secured Visa online?

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.

Can I add my Home Trust Secured Visa to my digital wallet?

Yes, your Home Trust Secured 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.

How do I add my Home Trust Secured Visa to my Digital Wallet?

Please visit our Digital Wallet FAQs to find out how you can add your Home Trust Preferred Visa to your digital wallet

Who can I contact if my card is lost or stolen?

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.

How can I reach customer service?

For information about your Home Trust Secured 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.

How to apply
What are the requirements to apply for a Home Trust Secured Visa credit card?

To apply for a Home Trust Secured Visa, you need to meet these minimum requirements:

  • You need to be a permanent Canadian resident
  • You need to be the age of majority in your province
  • You cannot currently be in bankruptcy
  • You need to pay a security deposit of a minimum of $500 from a Canadian account in your name
  • You cannot be a resident of Quebec

To apply, visit https://visa.hometrust.ca/en/Home/Secured.

How do I make payments on my Secured Visa?

You can easily pay your credit card bill online with the following steps:

  1. 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
  2. Go to the Bill Payments section of your financial institution’s online banking system and add “Home Trust Visa” as a new payee*
  3. Enter your 16-digit card number in the account number field
  4. 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

Cardholder Agreement

Disclosure Statement (no fee)

Disclosure Statement (low fee)

Product Brochure Guide

Digital Wallet FAQs

* Visa Int./Home Trust Company, licensed user of mark.
1 To qualify, applicants must have a source of income and cannot currently be in bankruptcy and are subject to other terms and conditions including validation of ID and applicable Know Your Client requirements. Applicants must be at least the age of majority in the province/territory where they reside (18 years of age in Ontario, Alberta, Saskatchewan, Manitoba, Prince Edward Island; 19 years of age in British Columbia, New Brunswick, Nova Scotia, Newfoundland/Labrador and the territories). Rates and fees subject to change without notice. The Home Trust Secured Visa is available to Canadian residents except residents of Québec.
2 Cardholders can choose between no annual fee and 19.99% interest or an annual fee of $59 and 14.90% interest.
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.