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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

Rating 4.4

Good/Excellent Credit

REWARDS BONUS

  • Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months.206

REWARDS

  • Earn 2% money back on everyday purchases in up to 3 categories of your choice. Money-Back Rewards are unlimited and paid monthly.*

INTRO APR ON PURCHASES

  • N/A*

REGULAR APR

  • 20.95%*

ANNUAL FEE

  • $0*
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

Rating 4.5

Excellent/Good/Fair Credit

REWARDS BONUS

REWARDS

  • 1% cashback on gas and grocery349

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 19.99%-29.99% (19.99%-24.99% for QC)

ANNUAL FEE

  • $0317
Viewing 1 - 2 of 3

our choice

Rating 4.4

Good/Excellent Credit

REWARDS BONUS

  • Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months.206

REWARDS

  • Earn 2% money back on everyday purchases in up to 3 categories of your choice. Money-Back Rewards are unlimited and paid monthly.*

ANNUAL FEE

  • $0*

Rating 4.5

Excellent/Good/Fair Credit

REWARDS BONUS

REWARDS

  • 1% cashback on gas and grocery349

ANNUAL FEE

  • $0317

Rating 4.3

Good/Excellent Credit

REWARDS BONUS

  • Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months.162

REWARDS

  • Earn 2% money back on everyday purchases in up to 3 categories of your choice. Money-Back Rewards are unlimited and paid monthly.*

ANNUAL FEE

  • $0*
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

REGULAR APR

  • 19.99%-29.99% (19.99%-24.99% for QC)

ANNUAL FEE

  • See terms

KEY FEATURE

  • Guaranteed approval, no credit score needed to apply
Viewing 1 - 2 of 3

our choice

Rating 4.3

Any Credit

CREDIT CHECK

  • Yes

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • $500

KEY FEATURE

  • Guaranteed approval, no credit score needed to apply

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • See terms

other alternatives TO HOME TRUST BANK
CREDIT CARDS

our choice

Rating 4.5

  • 1% cashback on gas and grocery349
  • No annual fee
  • Get up to $10k credit limit, instantly
  • Estimated everyday cashback value of $168/yr367
  • 5% additional average cashback at 10,000+ partners
  • Secured option avaliable to build credit history349

our choice

Earn
1%
Cash Back
Max. Rewards:
1% cashback on gas and grocery349
$0
Annual Fee
Annual Fee:
$0317
Foreign Transaction Fee:
See terms
Late Payment Fee:
See terms
Up to
$10,000
Credit Limit
Security Deposit:
No
Credit Line:
Up to $10,000
Credit Line Increase:
See terms

our choice

Rating 4.4

  • Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months.206
  • Earn 2% money back on everyday purchases in up to 3 categories of your choice. Money-Back Rewards are unlimited and paid monthly.*
  • Rack up Money-Back Rewards and pay no annual fee with Tangerine’s Money-Back Credit Card.*
  • Orange Alerts.*
  • Purchase Assurance and Extended Warranty.*
  • *Click apply to read the full Terms and Conditions.

our choice

Great Rewards
Bonus Offer:
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months.206
Max. Rewards:
Earn 2% money back on everyday purchases in up to 3 categories of your choice. Money-Back Rewards are unlimited and paid monthly.*
Rewards expiration:
See terms*
1.95%
Intro APR on Balance Transfers
Intro APR on Balance Transfer:
Promotional Balance transfer interest rate - 1.95% interest for the first 6 months (22.95% after that).*
Regular APR:
22.95% after 6 months*
Balance Transfer Fee:
3.00% of amount transferred or minimum $5.00 (Always on)*
$0
Annual Fee
Annual Fee:
$0*
Foreign Transaction Fee:
2.50%
Late Payment Fee:
See terms*

our choice

Rating 4.3

  • Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months.162
  • Earn 2% money back on everyday purchases in up to 3 categories of your choice. Money-Back Rewards are unlimited and paid monthly.*
  • Rack up Money-Back Rewards and pay no annual fee with Tangerine’s World Mastercard®.*
  • Free cards for Authorized Users on your Account.*
  • Rental Car Collision/Loss Damage Insurance and Mobile Device Insurance.*
  • Purchase Assurance and Extended Warranty.*
  • Mastercard® Travel Pass Provided By DragonPass.*
  • *Click apply to read the full Terms and Conditions.

our choice

1.95%
Intro APR on Balance Transfers
Intro APR on Balance Transfer:
Promotional Balance transfer interest rate - 1.95% interest for the first 6 months (22.95% after that).*
Regular APR:
22.95% after 6 months*
Balance Transfer Fee:
3.00% of amount transferred or minimum $5.00 (Always on)*
Great Rewards
Bonus Offer:
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months.162
Max. Rewards:
Earn 2% money back on everyday purchases in up to 3 categories of your choice. Money-Back Rewards are unlimited and paid monthly.*
Rewards expiration:
See terms*
$0
Annual Fee
Annual Fee:
$0*
Foreign Transaction Fee:
2.50%
Late Payment Fee:
See terms*

our choice

Rating 4.2

  • Build credit history with on-time payments349
  • Guaranteed approval, no credit score needed to apply
  • Get the same 1% cashback on gas and grocery as the standard credit card
  • Estimated everyday cashback value of $168/yr367
  • Get up to $10k credit limit, instantly
  • Reports to both Transunion® and Equifax
  • $5/month

our choice

Earn
1%
Cash Back
Max. Rewards:
Get the same 1% cashback on gas and grocery as the standard credit card
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
Yes
Up to
$10,000
Credit Limit
Security Deposit:
No
Credit Line:
Up to $10,000
Credit Line Increase:
See terms

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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