FinviloHome Trust Secured Visa: no annual fee vs low rate
A secured card needs a deposit and can help you build or rebuild credit. Home Trust offers two versions with different fee and rate trade-offs.
| Feature | Home Trust | Home Trust |
|---|---|---|
| Where available | Quebec excluded; complete province-by-province availability Not confirmed. | Quebec excluded; complete province-by-province availability Not confirmed. |
| Credit reporting | Monthly reporting to a credit bureau. | Monthly reporting to a credit bureau. |
| Requirements | Permanent Canadian resident, age of majority, not currently bankrupt. | Not confirmed |
| Annual fee | CAD 0. | CAD 59. |
| Security deposit and limit | CAD 500 to CAD 10,000; limit equals deposit. | CAD 500 to CAD 10,000; limit equals deposit. |
| Repayment | Not confirmed | Deposit does not replace monthly payments. |
| Details | Full profileOfficial provider page | Full profileOfficial provider page |
Our take
If you will pay in full every month, the no-fee version is usually cheaper. If you expect to carry a balance, compare the low-rate version.
Rates and fees change. Confirm current terms on the provider's official page before applying. General information, not personalized advice.