Home Trust Secured Visa Card

A straightforward secured Visa card with no annual fee, a 19.99% interest rate, and a broad $500 to $10,000 security deposit range.

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

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✓ No annual fee ✓ Standard 19.99% interest rate ✓ Reports to both Equifax and TransUnion
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Home Trust Secured Visa Card

Visa

Our Verdict Recommended

The Home Trust Secured Visa is about as simple as secured cards get — no annual fee, no rewards, no gimmicks. The 19.99% interest rate is fair for a secured card, and the broad deposit range ($500-$10,000) gives you flexibility on your credit limit. Reports to both Equifax and TransUnion.

What it really costs

Annual fee No annual fee
APR Range 19.99% – 19.99%

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Who it's for

Budget-conscious Canadians who want a simple, fee-free secured card focused purely on credit building.

The good and the not so good

  • No annual fee
  • Standard 19.99% interest rate
  • Reports to both Equifax and TransUnion
  • Deposit range from $500 to $10,000
  • No rewards program
  • $500 minimum deposit is higher than some competitors
  • Not available in Quebec

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