Home Trust Secured Visa Review Canada 2026

Por julio • atualizado há 22 minutes atrás

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The Home Trust Secured Visa is built for people rebuilding credit who want to earn cashback while doing it. At /usr/bin/bash/year on the Visa network, here is everything you need to know before applying.

Home Trust Credit Cards at a Glance

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Why the Home Trust Secured Visa Stands Out

✓ What makes it worth it:

  • 1% cashback while rebuilding credit
  • No annual fee
  • Visa network (wider acceptance than Mastercard in some places)
  • Deposit up to 0,000 for higher limit
  • Reports to both bureaus

✗ What to consider:

  • 00 minimum deposit is steep
  • No automatic graduation - you must call
  • 1% is modest (but better than 0%)
  • Slower graduation process than Capital One

Verdict: Who Should Get This Card?

The only secured card in Canada that pays you back while you rebuild. 1% cashback is modest but meaningful over time - it makes the rebuilding process feel productive rather than punitive. Choose this over Capital One if you can afford the 00 deposit and want rewards from day one. For more options, see our see all secured cards guide.

Ready to apply? Go directly to Home Trust:

APPLY ON HOME TRUST →

✓ Official Home Trust website  |  ✓ Secure application  |  ✓ Takes 5-10 minutes

What credit score do I need for the Home Trust Secured Visa? ▼

Standard Home Trust cards typically require a score of 650+. If your score is below that, consider a secured card first to build history.

Is the /usr/bin/bash/year annual fee worth it? ▼

Calculate your expected annual rewards based on the earn rates above. If they exceed /usr/bin/bash/year, the card pays for itself. Most cardholders who spend $2,000+/month break even easily.

Can I get the Home Trust Secured Visa as a newcomer to Canada? ▼

Home Trust has dedicated newcomer programs. If you have been in Canada less than 5 years, check their newcomer page for cards with relaxed eligibility.

This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change. Verify current details directly on the Home Trust website before applying.