Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
- Victor, Yore OysterThe Refresh Secured Visa is a straightforward secured credit card to fix or enhance your credit score. It lacks standard credit card features such as cashback and rewards because it serves its purpose of helping with your credit history. Individuals with bad credit scores may significantly consider...
- GreedyRates.caOverall, the Refresh Financial Secured Card is a pretty good low purchase interest rate card with low fees for cardholders who intend to consistently use their card for purchases only. It’s suitable for anyone who wants to repair or build credit, but is a particularly strong fit for two kinds of con...
- Offerhub.caThe Refresh Financial Secured Card can give you a lot of headway in improving your credit score. Compared to some other secured card providers, it comes with relatively low interest rates and additional fees. Therefore, if you’re looking for an affordable solution to boosting your credit, the Refres...
- Enoch Omololu, SAVVY New CanadiansThe Refresh Financial Secured Visa Credit Card is one of the go-to cards if you have a poor or damaged credit score and are looking for ways to build or repair your credit rating.
- Mohamed Konate, My Rate CompassThe Refresh Financial Secured Card combines the premise of the credit builder loan with the same benefits of a credit card. In this case, you are almost guaranteed approval, which cannot be said for other types of secured credit cards. So while it does work like any other credit card, the main diffe...
Interest Rates | |
---|---|
Regular APR Interest Rate | 17.99% |
Balance Transfer Interest Rate | |
Cash Advance Interest Rate | 17.99% |
Rates & Fees | |
Annual Fee |
$12.95
|
Balance Transfer Fee | |
Cash Advance Fee | $5.00 |
Foreign Transaction Fee |
3.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
Over Limit Fee |
$5.00 One time only. Card is cancelled second time. |
Late Payment Fee | |
Promotions | |
Sign up bonus | No |
Rewards | |
All Purchases | No |
Restaurants | No |
Gas | No |
Groceries | No |
Hotels | No |
Travel | No |
Pharmacy | No |
Bills | No |
Features & Benefits | |
Additional Card Holders | No |
Travel Accident Insurance | No |
Car Rental Insurance | No |
Car Rental Discount | No |
Extended Warranty | No |
Purchase Protection | No |
Zero Liability | No |
No Foreign Transaction Fees | No |
Emergency Assistance | No |
Concierge Service | No |
Price Protection | No |
Fraud Protection | No |
Free Credit Scores | No |
Wireless Payments | No |
Virtual Cards | No |
Additional Benefits |
Free online financial management courses with the in-house Refresh f.i.t. (financial intelligence training) |
Eligibility | |
Minimum Security Deposit | $200 |
Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
Minimum Personal Income | |
Temporary Residents | No |
More | |
Additional comments |
Not available in Quebec |
Suggest a correction |
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