Home Trust Secured Visa vs Capital One Guaranteed Secured Mastercard
Two cards, one Standard Score rubric. The Capital One Guaranteed Secured Mastercard scores higher overall at 3.4/10, but the right pick depends on which components match your spending.
The verdict
PassTwo philosophies of secured-card approval, each card's own copy pointing at the other. Capital One publishes the conditions its Guaranteed Secured Mastercard approves against, rather than leaving approval to a judgement call, but the card carries a punishing 29.9% rate (21.9% in Quebec) that makes it a pay-in-full-only card; Home Trust's Secured Visa needs a judgement call but offers a $59/14.90% variant that's far cheaper to actually carry a balance on. Anyone who might carry a balance takes Home Trust's low-rate variant; anyone who's been declined elsewhere and wants the approval conditions published up front takes Capital One.
See offer · current Capital One Guaranteed Secured Mastercard offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Home Trust Secured Visa | Capital One Guaranteed Secured Mastercard | |
|---|---|---|
| Standard Score | 3.2/10 · Pass | 3.4/10 · Pass |
| Annual fee | None | None |
| Welcome bonus | None: secured cards compete on approval odds and reporting, not bonuses | None: secured cards compete on approval odds and reporting, not bonuses |
| Est. bonus value | ≈ $0 | ≈ $0 |
| First-year net value | ≈ $0 | ≈ $0 |
| Earn rates |
|
|
| Points currency | None (no rewards) | None (no rewards) |
| No FX fees | No | No |
| Lounge access | No | No |
Where the Home Trust Secured Visa wins
No component wins: its rival scores at least as well on every Standard Score component.
Where the Capital One Guaranteed Secured Mastercard wins
- Perk usability: scores 2.5/10 on this component
- Low friction: scores 9.0/10 on this component
Read the full reviews: Home Trust Secured Visa and Capital One Guaranteed Secured Mastercard, or see how both rank in Best Secured Credit Cards in Canada.