The No Fee Home Trust Secured Visa Card gives holders the ability to build or rebuild credit, even if they’ve had credit difficulties in the past or have never had a credit card before. This card is aimed at those who would struggle to be eligible for other credit cards as a way to build credit, and has no annual fee. Virtually everyone is approved for this card, but it really doesn’t offer anything besides credit. The interest rates on this card are not particularly low, meaning that if you must pay the balance off quickly in order to avoid racking up more interest, and as a secured card, you must pay a deposit of a minimum $500 and maximum $10,000, which will become your credit limit. All in all, this card could be useful as a stepping-stone to those who want a card with bigger benefits, but don’t have a high enough credit score, but if your credit is already good this card is a bit redundant.

As per our rating system, this card scored 0/25 on rewards, 17/25 on interest rates and balance transfers, 6/25 on perks and insurance, and 25/25 on annual fees. Therefore, the total smart score of this card is 48/100.