wealthgeist
None/minimal · Visa
Home Trust Secured Visa - lower-rate option
No points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $59
- Foreign transaction fee
- 2%
- Purchase APR
- 14.99%
Free · No account needed
Card details reviewed
Borrowing costs or building credit matter more to you than earning rewards.
The rewards estimate does not calculate interest savings, transfer costs or security deposits. Compare those separately before applying.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- No rewards on purchases
- 0% cash back
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
No rewards program
This card does not earn points or cash back. Borrowing offers are not included in the reward estimate.
Welcome offer
We haven’t included a verified welcome offer in this estimate. That doesn’t mean no promotion is available. Check the issuer’s current offer and eligibility conditions.
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $59
- Additional card
- $19
- Purchase interest rate
- 14.99%
- Cash advance interest rate
- 19.8%
- Foreign transaction fee
- 2%
Who can apply?
Permanent Canadian resident; not available to Quebec residents.
Age of majority in your province or territory.
A source of income and no current bankruptcy. Refundable security deposit of $500-$10,000 sets the credit limit; approval and identity checks apply.
- Minimum income
- No minimum stated
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Things to know
Application disclosure lists 14.99% purchase interest; the marketing page says 14.90%. Confirm the rate before applying. Annual billing: $59 primary and $19 additional card. Monthly billing: $5 primary and $2 additional card ($60/$24 per year). Estimates use annual billing.
No rewards program. This card is for building credit, not earning cash back. Interest savings and deposit opportunity cost are not included in reward comparisons.
More fees and conditions
At least 21 days on new purchases when the statement balance is paid in full; no interest-free period for cash advances or balance transfers.
Greater of $10 or 3% of the statement balance.
Overlimit $29; dishonoured payment $45; inactivity $12 after 12 months without a debit or credit transaction; statement copies $5; rush replacement $39. Taxes may apply.
Canadian ATM: 1%, minimum $2.50, maximum $10. US ATM: 1.5%, minimum $4.50, maximum $15. Other countries: 1.5%, minimum $5.50, maximum $15. ATM-operator charges may also apply.
Cash advances up to 20% of the credit limit, subject to fees.
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Apple Pay, Google Pay and Samsung Pay; Visa Zero Liability conditions apply
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Home Trust Secured Visa - lower-rate option worth the annual fee?
It depends on whether the extra rewards and benefits you actually use outweigh the $59 annual fee. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare