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Home Trust is a federally-regulated trust company headquartered in Toronto but has offices nationwide, from Halifax to Vancouver. The company was incorporated in 1977. Back then, it was known as the Home Savings and Loan Corporation. Today, Home Trust operates as a subsidiary of Home Capital Group Inc., a publicly-owned company trading on the TSX.

Home Trust brands itself as being a financial services company in the business of helping people get back on their feet. Its clientele includes new Canadians, homeowners, and the self-employed. So, when it comes to approving people for its products, Home Trust takes a more flexible, organic approach — a departure from the way most retail banks operate. This is the company you call when you’re starting over. Compare the best Home Trust credit cards today.

Most popular Home Trust card.

This card is marketed to people who want to build, or rebuild, their credit. Virtually everyone is approved — that’s because the Home Trust Secured Visa Card is a secured credit card that requires a security deposit for eligibility. Your credit limit is the deposit. The minimum amount you can put down is $500; the cap is $10,000.

But you still get the perks that come with being a Visa cardholder. With a Home Trust credit card, you can make online credit card payments, plan and book a vacation, and shop anywhere Visa is accepted.

The Home Trust Secured Visa Card comes in two different formats: with no annual fee (in exchange, you’re subject to an interest rate of 19.99%), or you can pay a small fee and have a lower annual interest rate ($59 annually for 14.90% interest). By doing a comparison of Home Trust credit cards, you can select the right Home Trust credit card option for your credit needs. Check out the different types of popular Home Trust credit cards on LowestRates.ca.

There are more fees to be mindful of, however. If you go over your monthly credit limit, you’ll be charged $29. Having insufficient funds docks off another $45. Also, the card is not available to residents of Quebec.

Home Trust Secured Visa Card

Apply Now See Card Details

Annual fee $59

Rewards rate Not available.

Bonus offer Not available.

Interest rate 14.90%

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The Home Trust advantage.

Home Trust specializes in offering financial products and services to people who can’t access credit through the major banks. This is typically due to having poor credit or no credit history. This includes new Canadians, but also those who are self-employed. Best of all, Home Trust secured credit cards come with benefits. The trust company provides consumers Home Trust Visa credit cards through its partnership with Visa. Home Trust currently does not offer any Home Trust MasterCard credit cards or Home Trust Amex credit cards. Please visit the Home Trust credit card site for more information.

Here’s what you get when you choose Home Trust for your credit card needs.

Unique credit options

People with credit issues must put down a deposit when opening a credit card with a non-traditional lender — that’s how secured credit cards work. With Home Trust, you can use the equity in your home to obtain a secured card. According to Home Trust, many clients report finding this option helpful in financing big expenses, such as home renovations, consolidating debt, business expenses, and more. Explore all the best Home Trust credit card deals and promotions.

Earn cash back

Just because it’s a secured credit card doesn’t mean you don’t get the benefits of rewards to go with it: you can earn 1% cash back on everything you buy with your Home Trust credit card.

Up-to-date banking options

Home Trust cardholders can view and pay their bills online. You can also use the cards to withdraw cash at any ATM displaying the Visa logo. Just like any other credit card, your Home Trust card is insured in case of an emergency. Cardholders are also entitled to health and legal services.

Financial freedom

This is the company you turn to when you want to build stability. Home Trust’s specialty is providing accessible products that help you improve your credit, which in turn makes your life easier.

Choosing the right Home Trust credit card

LowestRates.ca allows you to easily do side by side comparisons of the best Home Trust credit cards in Canada. Here are some of noteworthy features that come with a Home Trust credit card:

Zero foreign exchange fees: Enjoy low exchange rates with a Home Trust credit card, as you won’t have to pay any transaction fees when you pay in foreign currency.
Low interest rates: Home Trust credit cards have standard interest rates, allowing you to avoid high interest charges on your credit card balance. This makes paying down your credit card balance easier, improving your credit utilization ratio, and your credit score.
Worldwide acceptance: Home Trust Visa credit cards are widely accepted around the world, allowing you to use them at any store or site that accepts Visa cards.
Choose your credit limit: Since your deposit dictates your credit limit, you have full control over your credit limit.
Build your credit: Increase your personal credit score with your secured Home Trust credit card by making regular credit card payments.
No annual fee: Home Trust offers no annual fee Home Trust credit cards, saving you money.

How to apply for a Home Trust credit card online 

You can apply for a new Home Trust credit card by simply clicking the “Apply Now” button and completing an online Home Trust credit card application through LowestRates.ca. 

You’ll need to provide the following information in your application:

Your legal name  
Your current and previous addresses  
Your annual income (gross)   
Your employment details

The credit card lender will use the given information to see your personal credit information and review your overall eligibility for the applied Home Trust credit card and credit limit. Please keep in mind, such hard credit checks can temporarily lower your credit score, but as long as you don’t miss any credit card payments, your score should bounce back.

Once you pass the Home Trust credit card eligibility check, you’ll receive your new card in the mail. Then simply follow the Home Trust credit card activation steps to activate your card.

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