Credit-Card-Guide.ca: Your guide to choosing the right credit card

Secured Credit Cards

Do you need a credit card but cannot get approved because you have bad credit or no credit history? It is now possible to get a secured card regardless of your credit history. All you need to do is place a certain amount into an account such as $500 or $1000. Then you can use your credit card up to that limit, allowing you to fix your credit with the convenience of having a credit card.

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Below are cards from banks and credit card companies who offer them to people with less than perfect credit.

Capital One ® Guaranteed Secured MasterCard®
	$59 annual Fee 24/7 customer service online or by phone Requires a minimum $75 in Security Funds Not available to residents of QC, NT, NU, or YT.

Capital One ® Low Rate Guaranteed Secured MasterCard®
	$69 annual Fee 14.9% on annual purchases and balance transfers, and 19.8% on cash advances Requires a minimum $75 or $300 in Security Funds Not available to residents of QC, NT, NU, or YT.

Capital One ® Guaranteed MasterCard® for Newcomers
	$59 annual Fee 24/7 customer service online or by phone Not available to residents of QC, NT, NU, or YT.

HomeTrust Secured Visa
	$39 Account set-up fee $7.50/month service fee for primary card, $3/month for secondary card 24.99% interest rate $1,000 to $10,000 security deposit Virtually everyone is approved Not available to residents of QC

HorizonPlus Secured MasterCard
	$49 Application & Set-up fee, $29.00 for supplementary cards $5.95 Monthly maintenance fee, $2.95 for supplementary cards 19.5% interest rate for retail sales, 24.5% for cash advances $5.00 Cash Advance fee per transaction Minimum monthly payments on the account will be the greater of 3% of the outstanding balance or $10.00

Provincial Trust®
	0% APR Fixed Forever Guaranteed Approval No Credit Checks Credit Limit Up to $7500 Now with roadside assistance.

Reward Credit Cards
Cash Back Credit Cards
Reward Credit Cards
Gas Cards
Travel Credit Cards

Everyday Credit Cards
Low Interest Credit Cards
No Annual Fee Credit Cards
Student Credit Cards
Secured Credit Cards

Other Credit Cards
Small Business Credit Cards
US Dollar Credit Cards
Store Credit Cards
Prepaid Credit Cards