Refresh Financial Secured Visa review

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Advertiser Disclosure

Annual Fee
$12.95
Minimum Deposit
$200.00
Interest Rate: Purchases
17.99%
Balance Transfer
-


8/10
Informr score
The Refresh Financial Secured Visa currently has an Informr score of 8 out of 10. This score is based on our evaluation of 1 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Refresh Financial Secured Visa is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Provide a minimum security deposit of $200.

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.

What the Critics Are Saying...


GreedyRates.ca

The Refresh Financial Secured Credit Card is a pretty low purchase interest rate credit 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...

- GreedyRates.ca

Details


Interest Rates
Regular APR Interest Rate 17.99%
Balance Transfer Interest Rate
Cash Advance Interest Rate 17.99%
Rates & Fees
Annual Fee $12.95

- Plus Monthly Fee $3

- Monthly Inactivity Fee $2

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
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

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


GreedyRates.ca

Great fit for those with poor credit scores and/or bankruptcy history

GreedyRates.ca

The Refresh Financial Secured Credit Card is a pretty low purchase interest rate credit 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 o...More

The Refresh Financial Secured Credit Card is a pretty low purchase interest rate credit 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 consumers: those with any history of bankruptcy, those who want to make only a minimal deposit on a secured card.

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User Reviews


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