Low Interest
No Annual Fee
Home Trust Equityline® Visa
Home Trust
Annual Fee
$0
Purchase APR
6.99%
Cash Adv. APR
6.99%
RateBuddy Verdict
The Good
- Offers massive credit limits (up to $1,000,000) by securing the card against your home equity.
- Features highly competitive, variable interest rates (6.99%–13.99%) that are significantly lower than standard credit cards.
- Charges absolutely no foreign exchange fees on international purchases.
- Allows cash advances up to 100% of your credit limit without a prepayment penalty.
The Trade-offs
- Because it is secured by your home, defaulting on payments puts your property at risk.
- Interest rates are variable and dependent on your credit and collateral, meaning the lowest rate is not guaranteed.
- Does not offer any cash back or travel rewards.
Rewards & Earnings
Base Rate 0%
Rewards Summary:
Welcome Bonus Details
Features & Benefits
No Annual Fee
No Annual Fee
No Foreign Transaction Fees
0% Foreign Transaction Fee
Purchase Security Insurance
Purchase Security (90 days)
Low Purchase Interest
Low Purchase Interest (Variable 6.99% - 13.99%)
Additional Perks
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Insurance Coverage
Purchase Security
Insures eligible items against theft or damage for 90 days from the date of purchase. Underwritten by Chubb Insurance Company of Canada.
Rates & Fees Details
| Purchase APR | 6.99% |
|---|---|
| Cash Advance APR | 6.99% |
| Annual Fee | $0 |
| Foreign Tx Fee | 0.00% |
| Income Required | No specific requirement listed. |