Pros & Cons
Pros
—
Cons
- –Foreign Transaction Fee (2.5%)
- –No purchase protection
Our Review
The Home Trust Low Rate Secured Visa Card offers a low interest rate of 14.90% for an annual fee of $59, ideal if you carry a balance while building your credit.
Approval is based on a refundable security deposit ($500 to $10,000), not on your credit history.
Rewards
All Spending
1x
pts per dollar
Interest Rates
- Purchase Rate14.9%
- Purchase rate (Quebec)14.9%
- Cash Advance14.9%
- Cash advance rate (Quebec)14.9%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- Low Purchase Interest Rate of 14.90%
- Annual Fee of $59
- Refundable security deposit of $500 to $10,000
- Helps build or rebuild your credit
- Reported to both major credit bureaus
- No credit history required
Legal
*Conditions apply. Information sheet.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Home Trust. All trademarks are property of their respective owners.