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Home Trust Bank
CREDIT CARD APPLICATIONS

Home Trust is one of Canada's major trust companies and offers a wide range of personal and business financial products and services. These include: mortgages, retail credit services, Visa cards and deposits. Home Trust Company caters to a certain segment of the Canadian market - those customers with less than perfect credit ratings whose special needs cannot be satisfied by larger Canadian banks.

So, if you cannot get credit cards with no fees and rewards due to past credit issues, insufficient payment history or insufficient income, a Home Trust Visa could be right for you. Take your time to examine its rates, fees and other important features.

Evaluate its credit-building services and apply online to rebuild or establish your credit today! Note that this card is secured and requires a collateral deposit to qualify.

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THE BANK'S PRODUCTS ARE NOT AVAILABLE IN THE U.S.

  • Best Cards
  • Excellent / Good Credit
  • Fair / Bad Credit
  • Limited/No Credit
Viewing 1 - 2 of 3

our choice

REWARDS BONUS

  • You will earn 30,000 reward points if you charge a net purchase amount of $5,000 to the credit card within 3 months of opening your account.**

REWARDS

  • Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
  • 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
  • 1 point per 1 dollar in other purchases

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 20.99%

ANNUAL FEE

  • $150 (Reimbursement of annual fees for the first year)


Not available to the U.S. residents

Rating 2.0

Excellent / Good Credit

REWARDS BONUS

  • No bonus offer87

REWARDS

  • No rewards87

INTRO APR ON PURCHASES

  • N/A87

REGULAR APR

  • 28.24%87

ANNUAL FEE

  • $087


REWARDS BONUS

  • You will earn 10,000 reward points if you charge a net purchase amount of $2,500 to the credit card within 3 months of opening your account.**

REWARDS

  • Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
  • 1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
  • 1 point per 1.5 dollars in other purchases

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 20.99%

ANNUAL FEE

  • $70 (Reimbursement of annual fees for the first year)


Viewing 1 - 2 of 3

our choice

Rating 4.4

Good/Excellent Credit

REWARDS BONUS

  • Apply for a Tangerine Money-Back Credit Card by May 2nd, 2023 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*

REWARDS

  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.

ANNUAL FEE

  • $0*


REWARDS BONUS

  • You will earn 30,000 reward points if you charge a net purchase amount of $5,000 to the credit card within 3 months of opening your account.**

REWARDS

  • Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
  • 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
  • 1 point per 1 dollar in other purchases

ANNUAL FEE

  • $150 (Reimbursement of annual fees for the first year)


REWARDS BONUS

  • You will earn 10,000 reward points if you charge a net purchase amount of $2,500 to the credit card within 3 months of opening your account.**

REWARDS

  • Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
  • 1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
  • 1 point per 1.5 dollars in other purchases

ANNUAL FEE

  • $70 (Reimbursement of annual fees for the first year)


Viewing 1 - 2 of 3

our choice

Rating 4.3

Excellent/Good/Fair/Poor Credit

CREDIT CHECK

  • Yes

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • $500

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 19.99% - 26.99%

ANNUAL FEE

  • $0


KEY FEATURE

  • Sign up using this link to receive a $25 welcome offer.

INSTANT RESPONSE

  • Yes

GUARANTEED APPROVAL

  • Yes

CREDIT CHECK

  • No
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our choice

Rating 4.3

Any Credit

CREDIT CHECK

  • No

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • $500

CREDIT CHECK

  • No

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • $1,250

KEY FEATURE

  • Special offer - 0% APR for the first 3 months. Upon sign up, new customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months*

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $48.00


other alternatives TO HOME TRUST BANK
CREDIT CARDS

our choice

Rating 4.1

  • You will earn 30,000 reward points if you charge a net purchase amount of $5,000 to the credit card within 3 months of opening your account.**
  • Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
  • 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
  • 1 point per 1 dollar in other purchases
  • Up to $150 each year in refund for travel expenses on airport parking, seat selection, check-in fees, airline ticket upgrades and access to airport lounges worldwide
  • Free and unlimited access along with one (1) guest to the National Bank Bank World MasterCard™ Lounge at Montréal-Trudeau airport.
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 60 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Mobile devices insurance against theft or damages for a period of up to 2 years
  • Medical, general and legal assistance
  • Purchase protection in case of theft or damage*
  • Extended Warranty*

our choice

30,000
Bonus
Points
Bonus Offer
You will earn 30,000 reward points if you charge a net purchase amount of $5,000 to the credit card within 3 months of opening your account.**
Earn
5X
Points at Restaurants
Restaurant Rewards
Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
Earn More
on Your
Daily Spending
Rewards on everyday purchases
1 point per 1 dollar in other purchases
Max. Rewards
Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
Rewards expiration
Rewards never expire

our choice

Rating 4.4

  • Apply for a Tangerine Money-Back Credit Card by May 2nd, 2023 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.206

our choice

Great Rewards
Bonus Offer
Apply for a Tangerine Money-Back Credit Card by May 2nd, 2023 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Max. Rewards
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Rewards expiration
See terms
1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
Regular APR
19.95%*
Balance Transfer Fee
3.00% of the amount transferred, or minimum of $5.00
$0
Annual Fee
Annual Fee
$0*
Foreign Transaction Fee
2.50%
Late Payment Fee
See Terms

our choice

Rating 3.9

  • You will earn 10,000 reward points if you charge a net purchase amount of $2,500 to the credit card within 3 months of opening your account.**
  • Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
  • 1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
  • 1 point per 1.5 dollars in other purchases
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Mobile devices insurance against theft or damages for a period of up to 2 years
  • Medical, general and legal assistance
  • Purchase protection in case of theft or damage*
  • Extended Warranty*

our choice

10,000
Bonus
Points
Bonus Offer
You will earn 10,000 reward points if you charge a net purchase amount of $2,500 to the credit card within 3 months of opening your account.**
Earn More
on Your
Daily Spending
Rewards on everyday purchases
1 point per 1.5 dollars in other purchases
Max. Rewards
Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
Rewards expiration
Rewards never expire
Unsecured Card
Annual Fee
$70 (Reimbursement of annual fees for the first year)
Regular APR
20.99%
Late Payment Fee
See terms

our choice

Rating 4.2

  • Sign up using this link to receive a $25 welcome offer.
  • Guaranteed approval card that earns you cashback.
  • Earn up to 15% cashback on your first-time purchases and an average 5% cashback at 10,000+ partners.
  • No monthly or annual fees.
  • Cash out your rewards at any time.
  • No hard credit check required to join.

our choice

Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Earn up to 15% cashback on your first-time purchases and an average 5% cashback at 10,000+ partners.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms

our choice

Rating 4.9

  • You can earn 1% cash back on all of your purchases.220
  • Get the card for $0 and keep your budget on track.
  • There’s no fee to order the card, no fee to load it and no conversion fees when you make a purchase.
  • Use the app to load up to 10 currencies at a time on the go. Shop wherever Visa is accepted.
  • Advanced chip and pin technology keeps your money safe.
  • Shop with foreign currency on global e-commerce sites.
  • Apply. Load. Use everywhere and earn cash back.

our choice

Visa
prepaid card
Card Network
Visa*
Activation Fee
$0
Paper Statement Fee
See terms
Great Rewards
Rewards on Everyday Purchases
You can earn 1% cash back on all of your purchases.220
No Credit Check
Instant Response
Yes
Guaranteed Approval
Yes
Credit Check
No

our choice

Rating 3.8

  • Special offer - 0% APR for the first 3 months. Upon sign up, new customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months*
  • Plastk Reward Points on everyday purchases
  • Quick and easy application process
  • Simple way to pay
  • Cash advances
  • Worldwide acceptance
  • Accepted at hotels and car rentals
  • Easy access to premium rewards
  • Helps improve credit score and knowledge
  • For every $1 spent, earn 1 point

our choice

5,000
Bonus
points
Bonus Offer
Special offer - 0% APR for the first 3 months. Upon sign up, new customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months*
17.99%
APR on Purchases
Annual Fee
$48.00
Regular APR
17.99%
Late Payment Fee
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

card offers FROM
HOME TRUST BANK

Home Trust bank offers you the credit you deserve, even if you've had credit problems in the past or have never applied for a credit card before. Home Trust Visa is one of the best secured credit cards available on the Canadian market today. It offers a great range of Visa benefits and conveniences while you are re-building or establishing your credit file. For example, using a Home Trust Visa card, you can make purchases online or by phone just about anywhere Visa is accepted.

You can even plan and book a vacation - a convenience not offered by the majority of secured bank deals out there. You can withdraw cash anytime and anywhere from millions of Visa ATM locations around the world. Plus, you can make purchases at over 24 million locations worldwide. And finally, as a Home Trust Visa card user, you are entitled to a 0$ liability fraud protection and purchase protection plan!

All of these benefits are available to you while you are building or rebuilding your financial history. However, remember that since it is a secured card, it requires you to post security in the form of a cash deposit for eligibility. The amount of the deposit determines your spending limit and can be as high as $10,000.

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questionsABOUT
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There are numerous factors that are considered when the issuer determines what credit limit to extend and at what interest rate. Of course, your credit score is a major factor, but issuers also consider your monthly...

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We can recommend you consider Canadian credit card offers from our partners. Make sure you chose the card that corresponds to your credit score.

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