Annual Fee
CA$48
Refresh Financial Secured Visa Card
Secured card reporting to Equifax and TransUnion Canada.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ Reports to Equifax and TransUnion
✓ Lower APR (17.99%)
✓ Low minimum deposit ($200)
Data Snapshot
Refresh Financial Secured Visa Card
Annual Fee
CA$48
APR
17.99%
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Data Snapshot
Refresh Financial Secured Visa Card
Updated 2 months ago
Decision Brief
Lower APR than most Canadian secured cards and reports to both bureaus. The annual fee is a trade-off.
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APR
17.99%
Overview
Card details
Secured card reporting to Equifax and TransUnion Canada.
Quick Read
What stands out
💡 Honest Take: The dual-bureau reporting is worth the annual fee if you're serious about rebuilding.
Best For: Canadians with bad credit wanting dual-bureau reporting
Upside
Pros
- ✓ Reports to Equifax and TransUnion
- ✓ Lower APR (17.99%)
- ✓ Low minimum deposit ($200)
Tradeoffs
Cons
- ✗ $48 annual fee
- ✗ No rewards
- ✗ Limited issuer reputation
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