Home Trust VISA Card Information

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The Home Trust Secured VISA ® card is your best chance to get the credit you deserve.

Build or re-build your credit, even if you've had credit difficulties in the past, or have never had a credit card before! An excellent opportunity to establish your credit rating.

Virtually everyone is approved

With your new Secured VISA Card, you can:

Rent a car. Make purchases over the phone or internet. Plan and go on a vacation. Reserve a hotel room.

Access cash anytime, anywhere from over 800,000 ATMs around the world displaying the VISA logo.

Everything's easier with a Home Trust VISA card!

How it works

The Home Trust Secured VISA is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $1,000, or as much as $10,000. Your security deposit earns interest*, while your Home Trust VISA card is open and in good-standing.

If you decide to cancel your card, you can just pay off your outstanding balance, and you'll get your security deposit - plus interest earned - back from Home Trust. And Home Trust is a Member of Canada Deposit Insurance Corporation (CDIC).

The application process is very simple and almost everybody is approved! Of course, if your application is not approved, your security deposit will be immediately returned to you.

* The current Security Deposit Interest Rate is 2.0%, and is subject to change.

Application & More Information

Please note that the Home Trust Secured VISA is not available to residents living in Quebec.

Download a copy of the application form, complete and mail with your security deposit (cheque or money order only) to the P.O. Box on the application form, or to:

Home Trust Company
Attn: VISA department
145 King St. West
Suite 1910
Toronto, ON
M5H 1J8

Secured VISA card Features

Subject to change without notice
Credit limit (min.) $1,000
Credit limit (max.) $10,000
Account set-up fee (one time) $39.00 non-refundable
Security deposit $1,000 - $10,000
Interest paid on security deposit 2%
Service fee (primary applicant) $7.50/month
Service fee (secondary card) $3/month
Interest rate - purchases 19.50%
Interest rate - cash advances 21.50%
Interest in arrears - purchases +5%
Interest in arrears - cash advances +3%
Overlimit fee $29
NSF fee $39
ATM fee (Canada) $2
ATM fee (USA) $4.50
ATM fee (non-North America) $5.50
Minimum Payment 3% of the balance or $10, whichever is greater

Need More Home Trust Help?

Who can I contact if I need help or if I have questions that are not listed here? 

Send an email to:


Or for VISA® customer service please call:

1-416-777-5851 or 1-888-281-7793 

Or download the FREE PDF of FAQs from Home Trust Secured VISA


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