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Home Trust Visa credit cards

There are 3 Home Trust Visa credit cards—all with no annual fee. Here's our breakdown of each card's features.

Home Trust began their operations in 1977 with the objective of helping Canadians achieve their financial goals. Over the last 40 years, the organization became a leading financial services company in Canada. Today, Home Trust continues to help Canadians fulfill their financial objectives, regardless of their unique circumstances.

One of the predominant products Home Trust offers their customers is Visa credit cards. Each Home Trust credit card caters to a specific purpose, including everyday spending, revolving credit for larger scale purchases and credit building. This review covers the features of each credit card as well as the benefits and drawbacks to banking with Home Trust.

Compare Home Trust credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Home Trust Secured Visa (Low Rate)
N/A
N/A
14.9%
$59
Min. recommended credit score: Any score
Rebuild your credit score and enjoy a low purchase interest rate of 14.90% and a cash advance rate of 19.80%.
Home Trust Secured Visa (Low Rate & Monthly Fee)
N/A
N/A
14.9%
$60
Min. recommended credit score: Any score
Pay a monthly fee of $5 and get a low purchase interest rate of 14.90%.
Home Trust Secured Visa (No Annual Fee)
N/A
N/A
19.99%
$0
Min. recommended credit score: Any score
The no annual fee Home Trust Secured card comes with a standard 19.99% purchase and cash advance rate. Apply with any credit score and start rebuilding your credit.
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Types of Home Trust credit cards available

Home Trust is a medium sized financial services company. For this reason, they only offer three different types of Visa credit cards. Each Home Trust Visa has a unique purpose which you can learn more about below.

Home Trust Preferred Visa Card

The Home Trust Preferred Visa Card is an ideal choice for everyday spending needs. Check out the features of this Home Trust Visa credit card below.

  • No foreign exchange fees. A fee to pay in another currency other than Canadian dollars does not apply. Note that the conversion rate to Canadian dollars still applies.
  • No annual fee. There is no annual fee for this card.
  • Cash back rewards. Earn 1% cash back on all eligible purchases to get more out of your everyday spending. There is no cap on annual cash back earnings.
  • Visa Zero Liability. Take advantage of Visa Zero Liability which protects cardholders against fraudulent activity and transactions.
  • Emergency services. Help in emergency situations is available 24 hours a day, 7 days a week, anywhere in the world. Home Trust can assist with an emergency cash advance and provide help if your credit card is lost or stolen.

Home Trust Equityline Visa Card

This Home Trust visa is optimal for homeowners who require access to revolving debt, especially for large scale expenses. Check out the features of the Home Trust Equityline Visa Card below.

  • High credit limit. The Equityline Visa is secured by equity in your home. You can obtain a credit limit between $10,000 and $100,000 depending on the equity you've built up.
  • Low interest rate. The interest rate for this credit card between 5.99% and 12.99%. The rate the cardholder receives depends on the applicant’s credit score and report.
  • No foreign exchange fees. A fee to pay in another currency other than Canadian dollars does not apply. Note that the conversion rate to Canadian dollars still applies.
  • No annual fee. There is no annual fee for this card.
  • Cash back rewards. Earn 1% cash back on all eligible purchases to get more out of your everyday spending
  • Hybrid financial product. Even though the Equityline Visa is a credit card, it has line of credit features. It has flexible borrowing and repayment terms, higher credit limits and is revolving debt.
  • Use to consolidate debt. Home Trust offers the option to consolidate debt with this financial product.
  • Visa Zero Liability. Take advantage of Visa Zero Liability which protects cardholders against fraudulent activity and transactions.
  • Emergency services. Help in emergency situations is available 24 hours a day, 7 days a week, anywhere in the world. Home Trust can assist with an emergency cash advance and provide help if your credit card is lost or stolen.

Home Trust Secured Visa (No Annual Fee)

This Home Trust secured credit card allows individuals to build or rebuild credit. Check out the features of this Home Trust Visa card below.

  • Credit building product. If you don’t have a credit history or have poor credit, this credit card will help you build credit. Cardholders must pay a deposit to secure the credit card. This is how Home Trust protects themselves from risky borrowers.
  • Set your credit limit. Your credit limit is the amount of money you put towards the deposit. The minimum amount is $500 and the maximum amount is $10,000.
  • No limitations. Even though this is a credit building product, this credit card behaves the way any other credit card would. You can use it to pay bills, shop online and make purchases in stores.
  • Interest rate choice. ($5 per month) or 19.99% with no annual fee.

The benefits of banking with Home Trust

  • Purchase security. Eligible items purchased with your Home Trust Visa are insured against theft and damage for up to 90 days from the date of purchase.
  • Online portal. Home Trust has an online portal which allows their clients to access balances, account information, transaction history and statements at any time.
  • Widely accepted. Visa is a widely accepted form of payment across the world. It is secure, reliable and accepted in over 200 countries and territories.

The drawbacks of banking with Home Trust

  • No app available. Unfortunately, Home Trust doesn’t offer a mobile app. However, for some users, this might not be an issue.
  • Not accredited. Home Trust is not accredited by the Better Business Bureau.

How to apply for a Home Trust Visa

To apply for a Home Trust Visa credit card, follow these steps:

  1. Go to Home Trust‘s website.
  2. At the top right, click Menu. Under Credit Cards, select Overview.
  3. Under the credit card you would like to apply for, click Apply now.
  4. Complete the online application.

Eligibility requirements

  • Be a permanent Canadian resident but not a resident of Quebec
  • Be the age of majority in your province or territory
  • Are not in the process of bankruptcy
  • Earn at least $15,000 in annual income
  • Information you’ll need for your application
  • Full name
  • Date of birth
  • Contact information including your email and phone number

Frequently asked questions about Home Trust credit cards

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