• Apply Here 14.90% $59 annual fee or $5 per month
    Apply Here 19.99% No annual fee

    Build or re-build your credit, even if you’ve had credit difficulties in the past, or have never had a credit card before! An excellent opportunity to establish your credit rating.

    Virtually everyone is approved.

    Get all the benefits of Visa* while re-building your credit:

    • Make purchases over the phone or online
    • Plan and book a vacation
    • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
    • Shop at over 24 million locations worldwide

    Secured Visa Credit Card Application & More Information

    Here’s How the Secured Visa Credit Card Works …

    The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.

    If you decide to cancel your card, you can just pay off your outstanding balance, and you’ll get your security deposit back from Home Trust. Home Trust is a Member of Canada Deposit Insurance Corporation (CDIC) (1-800-461-2342).

    The application process is very simple and almost everybody is approved! Of course, if your application is not approved, your security deposit will be immediately returned to you.

    When your application is complete, please mail your security deposit (personal or personal certified cheque, money order or bank draft from a Canadian Financial Institution, payable to “Home Trust Company”) to:

    Home Trust Company
    Attn: Visa Department
    145 King St. West, Suite 2300
    Toronto, ON
    M5H 1J8