Home Trust
Home Trust Secured Visa
Still open to new applicants as of August 2026. Build or rebuild your credit with a security deposit from $500 to $10,000 that sets your own credit limit. Choose no annual fee at 19.99% or pay $59 a year for a lower 14.90% rate. Reports monthly to both Equifax and TransUnion. Approval possible even with past bankruptcy. No minimum income requirement. Not available to Quebec residents.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
19.99% (purchases, no-fee option) or 14.90% ($59 annual fee option)
FX fee
Not stated by issuer
Grace period
Not stated by issuer
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- No rewards program
- credit-building card that reports monthly to Equifax and TransUnion. Two options: no annual fee at 19.99% interest, or $59 annual fee at 14.90% interest. Security deposit of $500-$10,000 sets the credit limit.
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | Not publicly disclosed |
| Purchase APR | 19.99% (purchases, no-fee option) or 14.90% ($59 annual fee option) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 19.99% (no-fee option) or 14.90% ($59 fee option) |
| Balance transfer fee | Not publicly disclosed |
| Cash advance | Not publicly disclosed (cash advances limited to 20% of credit limit; service fees apply) |
| Foreign exchange fee | Not stated by issuer |
| Grace period | Not stated by issuer |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.