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Recommended Peoples Trust credit cards.

One of the more popular cards from Peoples Trust is the Peoples Trust Titanium+ Visa® Prepaid Card. Why? You pay no interest and unlike some credit cards, you don’t need a credit history to qualify.

Most popular Peoples Trust card.

When a credit card is “secured” it means you have to make a deposit before you’re free to swipe. The amount you deposit is your credit limit and it also acts as collateral. That’s what you get with the Peoples Trust Titanium+ Visa® Prepaid Card. You can use the Titanium+ Visa as you would a regular credit card: you can shop online and withdraw money from ATMs, for example. However, there are some built-in protections to be aware of — merchant holds, to be exact. In some cases, merchants may try to obtain a security deposit from you. It’s to ensure there’ll be enough money on the card to pay the final charge. This isn’t an unusual scenario for prepaid credit card holders to encounter when trying to rent a hotel room. Credit bureaus, however, won’t regard your card any differently. You don’t pay interest on your balance with this card but there are some fees for usage: if you make your card reloadable, there’s a monthly $15 charge.

Peoples Trust Titanium+ Visa® Prepaid Card

Peoples Trust Titanium+ Visa® Prepaid Card

Annual fee $0
Rewards rate Not available.
Bonus offer Not available.
Interest rate 0%

The Peoples Trust advantage.

Peoples Trust is a federally-regulated bank that issues prepaid credit cards — powerful tools for those looking to build a credit history or to repair it. Peoples Trust has partnerships with both Visa and MasterCard.

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

Cards that protect you from yourself

Peoples Trust caters to consumers who have difficulty obtaining lines of credit. The Vancouver-based financial institution offers ultra-secure products to help clients revive their credit score. Some prepaid cards from Peoples Choice can only be loaded once and used until the balance is spent, for instance.

Cards that set you up for future success

Peoples Trust also has a range of cards that are reloadable and good for long-term use. There are no limits on how they can be used, whether for business expenses (payroll, expense management, and financial services) or personal items (travel, health, and transit).

Built-in frugality

Peoples Trust offers prepaid cards aimed specifically at travellers. These cards protect against fluctuations in currency exchanges and have other features designed to help the cardholder stick to their budget. The cards can be used for domestic and international travel and to purchase items online.

Business in the front, party in the back

Just because it’s prepaid doesn’t mean you can’t have some fun: Peoples Choice also offers rewards credit cards that enable you to collect points that can be used towards travel.

About Peoples Trust

Founded in 1985, the Peoples Trust Company prides itself on being a small firm that doesn’t try to be everything to everyone. The CDIC-insured trust’s mission is to provide credit to those who need it, to educate them on the proper uses of credit, and to make available a suite of high-quality savings products. Peoples Trust is one of Canada’s premier providers of prepaid credit cards. It doesn’t offer flashy deals, but you get the sense the financial institution cares more about your long-term financial health than boosting profits.

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