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Home Trust is a top choice amongst Canadians because it’s easy to qualify for their credit cards. Although they don’t offer a wide range of credit cards compared to other banks, those available to consumers are highly competitive. And they’re ideal if you’re looking to get out of a financial pickle.
Home Trust’s credit cards include three Visa cards, each catered to a specific consumer. They offer a Visa credit card for those who have bad credit or no credit history at all. This card helps you rebuild your credit.
The Home Trust Secured Visa credit card has a no annual fee option. And one you can pay an annual fee on for a lower interest rate. The secured card requires a security deposit of between $500 and $10,000. Your security deposit will protect you and Home Trust if you miss a credit card payment.
If you’re not looking to build or rebuild your credit, Home Trust offers two other credit cards. This includes:
While Home Trust credit cards may appear as though they're bareboned, they come with good perks. Most of their cards have no annual fee unless you want a lower interest rate.
Also, depending on the card, you can benefit from:
All Home Trust credit cards are protected under the Visa Zero Liability policy. This means you won’t be responsible for unauthorized use of your card.
Of all the credit cards Home Trust offers, the Home Trust Preferred Visa Credit Card is the only one that earns you rewards. You will receive 1% CashBack Rewards for purchases made with your card. Best of all, your cashback is uncapped. So the more you spend, the more cashback you earn.
Now let's look at the benefits and drawbacks of Home Trust's credit cards. Consider these when shopping around for the right credit card for you.
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Home Trust credit cards are popular amongst individuals with bad or poor credit. The reason is, they can turn around a financial difficulty with responsible and regular use.
However, this doesn’t disqualify everyone else. If you travel abroad often or want to save on annual fees, you can benefit from a Home Trust credit card.
Yes. Besides their secured credit cards, Home Trust offers cashback Visa cards. This card earns you 1% cashback on your purchases, and the amount you can earn isn’t limited.
Unfortunately, Home Trust’s secured credit card isn’t available to Quebec residents.
Absolutely. Simply visit the Home Trust website and find your desired credit card. Click the ‘apply now’ button for the credit card of your choice to get started with your application.
It can take anywhere between two and four weeks for Home Trust to approve your application. The time it takes for a secured card application depends on when you send the security deposit. Therefore, try to make a deposit as soon as you apply to speed up the process.
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