Home Trust credit cards & products
A Canadian trust company best known for secured cards aimed at building or rebuilding credit, and for no-foreign-transaction-fee options.
What Home Trust does well
- Secured cards that genuinely help build or rebuild credit
- A no-foreign-transaction-fee option, which is rare at any price
What to watch for
- Narrow product range
- Secured cards require a deposit as collateral
All 2 Home Trust credit cards
Home Trust savings accounts
One of the best ongoing rates, with no promo cliff to worry about.
Rate verified August 3, 2026 · confirm with the institution before applying
Frequently asked questions about Home Trust
What credit cards does Home Trust offer?
We track 2 Home Trust credit cards, 2 of which have no annual fee. All of them are no-fee. They run on Visa. Home Trust also offers 1 banking product we cover.
What credit score do you need for a Home Trust card?
Across the Home Trust cards we track, our recommended scores range from 300 to 640. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 640+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.
Compare Home Trust against everything else
Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a Home Trust card genuinely earns you the most, or browse every card we cover.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Home Trust Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/home-trust, updated August 2026.
- Home Trust published product pages and cardholder agreements
- VaultNerd products database