Build your credit now for the future

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

New to Canada? Building your credit history 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 approved1 so apply for our best secured credit card and take your dreams further.
Start building your credit today!

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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

The Home Trust Secured Visa card
can build or rebuild your credit

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.

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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.

Benefits of a Home Trust Secured Visa

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.

* 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 for more information.