Home Trust has some of the best Visa credit card options available in Canada

Which Home Trust Visa credit card is the best fit for your needs? Let’s find out! Browse our Canadian credit card accounts below to see which one is right for you.
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Home Trust Preferred Visa
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Home Trust Equityline® Visa
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Home Trust Secured Visa
No annual fee
No annual fee $59/14.90%
$0/19.99%
  1% cash back1
1% cash back1
  No foreign exchange fees2
No foreign exchange fees2
  Interest rate
Interest rate 19.99% 6.99% - 14.99%3 14.90% or 19.99%4
  Access to home equity
Access to home equity
  Build or rebuild credit
Build or rebuild credit
  Purchase Security7
Purchase Security5
  Visa Zero Liability6
Visa Zero Liability6
  Guaranteed hotel reservations
Guaranteed hotel reservations
  Online account management
Online account management
  Apply
  Apply now Apply now Apply now

Helping you find the best Home Trust Visa credit card

The answers to the questions below can point you in the right direction for the ideal Home Trust credit card in Canada.

No annual fee credit card?

Many banks require you to pay an annual fee to access the benefits of their credit cards. With the Home Trust Preferred Visa card and the Home Trust Equityline® Visa card, you pay no annual fee and enjoy great benefits like CashBack Rewards, no foreign exchange fees and purchase security. No fee credit cards are an excellent choice if you are new to Canada and want to start building your credit, if don’t plan on using a credit card often or if you pay your balance every month. The Home Trust Secured Visa card has an annual fee of only $59 if you choose a lower interest rate of 14.90%.

 

No foreign exchange fee credit card?

If you’ve purchased something on a website outside Canada or travelled internationally with a credit card, you’ve probably been hit with a foreign exchange fee. On average, a transaction fee of 3% is charged by the credit card company whenever you buy something in a foreign currency. However, with the Home Trust Preferred Visa card and the Home Trust Equityline® Visa card, you pay no exchange fees on foreign currency transactions, even when you shop online.

 

How to build or rebuild your credit?

Having a credit card is a necessity, but if you have no credit history, are new to Canada, or have a bad credit history, you may have been declined for a credit card by the banks. A Home Trust Secured Visa card allows you to build or rebuild a solid credit rating. Home Trust reports your file to the credit bureau on a monthly basis. Your file is updated and your credit history begins.

 

What is a secured credit card?

A secured credit card is a financial product in which the security deposit you provide is equal to your credit limit, and it works just like any other credit card. You are required to make regular monthly payments over and above the security deposit because it is not a “prepaid” card. Home Trust is a member of the Canada Deposit Insurance Corporation so your security deposit is fully protected for added peace of mind. A Home Trust Secured Visa card is a great way to rebuild your credit. In fact, the Home Trust Secured Visa card was voted 2021’s Best Credit Card for Building Credit by RATESDOTCA. It was also rated the #1 secured credit card for 2021 by creditcardGenius.

* Visa Int./Home Trust Company, licensed user of mark.
1 Cash advances, balance transfers, interest, fees and foreign transactions (including online purchases in foreign currencies) are not eligible for CashBack Rewards.
2 Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharge.
3 Interest rate varies, depending on real estate collateral and borrower’s credit.
4 Cardholders can choose between an annual fee of $59 and 14.90% interest or no annual fee and 19.99% interest.
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.
6 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.