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Affiliate Partner — Secured Credit Card

Build Your Credit with the Home Trust Secured Visa

A deposit-backed Visa card that reports to both credit bureaus — helping you build or repair your credit score with every on-time payment.

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Home Trust

Get a Home Trust Secured Visa in minutes!

A deposit-backed credit card designed to help Canadians build and repair their credit history — with two flexible plan options to suit your budget.

Home Trust Secured Visa Card
  • Deposit backed credit card1
  • Builds and repairs credit
  • Choose between no annual fee at 19.99% or $59 annual fee at 14.90% interest
  • Visa Zero Liability coverage2

Terms and conditions apply on approved credit

01

Review and agree to disclosures, terms and conditions

02

Enter your personal information

03

Help us confirm your identity

04

Submit your security deposit

Please note that standard delivery times will be affected in the event of a Canada Post strike should you be approved for a card.

Choose Your Plan

Two Options — One Application

Both plans build your credit. Pick whichever fits your budget.

No Annual Fee
19.99%
interest rate
$0/yr annual fee

No cost to hold the card. Standard interest rate on purchases.

Low Rate Plan
14.90%
interest rate
$59/yr annual fee

Pay a small annual fee and enjoy a significantly lower interest rate.

Why This Card

The Right Tool for Credit Rebuilding

A secured card is one of the most reliable ways to build or repair credit. Your deposit protects the lender — your on-time payments protect your future.

Eligibility Requirements

IncomeMust have a source of income
BankruptcyCannot currently be in bankruptcy
AgeMust be age of majority in your province
KYCKnow Your Client verification required
ProvinceNot available in Québec

Card Features

Deposit backed credit card
Builds and repairs credit
Choose between no annual fee at 19.99% or $59 annual fee at 14.90% interest
Visa Zero Liability coverage

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. Rates and fees subject to change without notice. 2 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. The Home Trust Secured Visa is not available to residents of Québec. Omni Loans is an affiliate referral partner of Home Trust. We may receive compensation for approved referrals.

Ready to Get Started?

Apply in 3 minutes. Get funded as soon as today. No obligation.

Apply Now — It's Freeor call1-866-530-3646