Canada's Top Secured Card for Credit Building | Refresh Financial


with a Secured Card from Refresh, available in two speed packs.

What's a Secured Card

Credit limit

$200 - $10,000

Annual fee


Maintenance fee


Interest rate


No credit check

Build credit while spending money.

Guaranteed approval with deposit!

How quickly do you want to build credit?

Find a pack and speed that’s right for you

Credit Builder Loan

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$1,250      $2,500      $5,000
$10,000      $25,000



Unlike a Personal Loan, no money is provided up-front with a Credit Builder Loan. You make payments into a secured account that you can access at any point. Your payments are reported to the credit bureaus, which improve your credit score.

Secured Card

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Credit limit

$200 - $10,000

Interest rate


Annual fee


Maintenance fee


Secure your credit limit with a required deposit then build your credit by making the same everyday purchase you already make.

Black Tier

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Get access to

the ultimate credit building experience

The ultimate credit building experience. View your credit report, run simulations, and get tons of awesome perks – all in one place!

Four easy steps

Time investment: 20 minutes or less


Tell us about yourself


Verify Email


Choose your Pack


Finalize your documents

Personal Info

Why do we need this information?

We use your name and contact info to keep all your details in one single file, and so we can contact you in the event that your application is interrupted. We also use your province of residence and date of birth to determine what products we're legally allowed to offer you.

Credit Score

Why do we need this information?

Your credit score is one of the elements we use to determine your custom credit building solution. We need an accurate idea of where you are starting and where you want to get to.
Don't worry - this isn't a credit check; it doesn't affect your credit score, and there's no minimum score required to apply.

What’s your current credit score?
No minumum score is required to proceed

To help you get where you want to be, we need to understand where you are now. This will help us offer a credit building solution to your specific circumstances.

550 Critical



What’s your ideal credit score?

We can't help you reach your goals if we don't know what your goals are. Once we understand what kind of improvement you're looking for, we can offer a credit building solution that will help you get there.

750 Good



Financial Goal

Why do we need this information?

Nodody builds credit for fun. By knowing what your end goal is, we can give you the tools you need to achieve it.

What's your reason for building credit?

Like we said, nobody builds credit for fun. This is the reason why you decided to start an application with Refresh.

What’s your #1 goal you’re trying to achieve by building your credit score?

This is the first thing you're going to do after you've reached your ideal credit score.

What’s a secondary goal you’re trying to achieve by building your credit score?

This is the next thing you're going to do after you've reached your ideal credit score.


Why do we need this information?

There's no point in showing you a product you can't afford - talk about a waste of time! We use your income information to deliver you the most appropriate credit building solution for your situation, so you can make a decision without any hassle or delays.

What’s your total monthly income from all sources?

Income sources to consider are:

  • Regular employment/self-employment
  • Bonuses, commissions, and tips
  • Side hustle earnings
  • Spousal support (alimony and child support)
  • Government support (disability payments and pension)
  • Any other form of recurring income not listed above


Why do we need this information?

We want to help you build your credit and reach your financial goals, but we also want to ensure that building credit doesn’t cause you any hardship. The information about your monthly expenses allows us to offer you a custom credit building solution that won’t make it too hard for you to make ends meet.

What are your total monthly expenses from all sources?

Expense sources to consider are:

  • Rent/mortgage payment
  • Payday, personal, car and student loans
  • Average payment toward one or multiple credit card balances
  • Spousal support (alimony or child support)
  • Any other form of recurring payment not listed above

Budget to build credit

Why do we need this information?

Everyone's financial priorities are different, and you can build your credit as fast or as slow as your budget allows. In order to help you reach your financial goals, we need to know what your credit building budget is so we can offer a credit building solution that will suit your needs.

The difference between your total monthly income and expenses is:


What is your monthly budget to build credit?

Think carefully. Your credit building budget should be large enough that you can make progress, but not so large that it causes you hardship. We recommend that you stay within 10% of your total monthly income.

We recommend that the amount you allocate for credit building is no more than 10% of your total monthly income.




Refresh doesn’t provide upfront cash, instead we’ll help you build credit using the money you already have.

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How to Build Credit

What is a Secured Card?

A Secured Card is like a regular credit card but with one key difference. You pay an upfront deposit in cash which secures your Secured Card’s credit limit. All payments are reported to both credit bureaus and yes, just like a regular credit card, you still need to make monthly payments.

What other features does the Secured Card have?

While there are several companies that offer credit cards to build credit, we make your credit score our priority. We have a feature with the Secured Card that shows how your spending and repayment behaviour is impacting your credit score. This is called your utilization rate and is the second highest weighted metric that makes up your credit score.

For example, for optimal credit building you should keep your secured card balance below 30% of your available limit. We will let you know when you hit that point so you can make a payment to your account, ensuring your credit score is not impacted.

Calculate your credit utilization rate
for optimal credit building

Find out how your spending and payment behaviour is impacting your credit score.

Credit Card #1



Credit Card #2



Line of Credit #1



Line of Credit #2



add credit card

add line of credit




Learn more about utilization rate

An optimal utilization rate is when the balance on your revolving tradeline is under 30% of your limit. This will help you build credit - FAST.

A moderate utilization rate is when the balance on your revolving tradeline is above 30% but less than 50% of your limit. Our recommendation is to pay down some of your balance to be in the optimal range.

A critical utilization rate is when the balance on your revolving tradeline is above 50% of your limit. Being in this range will decrease the chances of you improving your credit.

Build your
credit score

Get started

* This card is owned and issued by Digital Commerce Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. Digital Commerce Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.

Financial Implications - Across Canada (excluding Saskatchewan) Refresh Financial offers Credit Builder Loans, provided by Refresh Capital Corp. in fixed sizes ranging from $1,250 to $25,000, at a fixed interest rate of 19.99% APR with terms of either 36 months or 60 months.

Approvals - Approvals are subject to Refresh Financial’s review and underwriting guidelines which requires minimum monthly income, ID & banking verification.