Refresh Financial Secured Visa Card

Secured card reporting to Equifax and TransUnion Canada.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ Reports to Equifax and TransUnion ✓ Lower APR (17.99%) ✓ Low minimum deposit ($200)
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Refresh Financial Secured Visa Card

Visa

Our Verdict

Lower APR than most Canadian secured cards and reports to both bureaus. The annual fee is a trade-off.

What it really costs

Annual fee CA$48
APR Range 17.99% – 17.99%
Minimum credit score 300

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Who it's for

Canadians with bad credit wanting dual-bureau reporting

The good and the not so good

  • Reports to Equifax and TransUnion
  • Lower APR (17.99%)
  • Low minimum deposit ($200)
  • $48 annual fee
  • No rewards
  • Limited issuer reputation

See full review

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