The Refresh Financial Secured Credit Card is a great one for most people who’ve had a bad or no credit at all. It is what you would call a “Credit Builder Card,” as it can allow you to build a non-existent credit or repair bad credit history.

This card is quite easy to qualify for, as the requirements are few, plus as an applicant, you are virtually given approval as long as you can provide the required security deposit. But, other than this deposit, it operates just like any other credit card.

So, if you have been wondering how you can build your credit or improve on it, this review will give you some much-needed information about this particular card, including how you can apply and qualify for it. Let’s get started.

Refresh Financial Secured Card - Learn How to Apply Today and Build Credit
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The Refresh Financial Secured Credit Card Features And Benefits

There Are No Credit Check Approvals

This is a secured card, which means that you need to deposit some money into your account to use it, and it also means that there are no credit checks required to qualify for the card. 

All you have to do is come up with the needed security deposit, and you are good to go.

A Low-Interest Rate

The card’s interest rate is pretty low compared to most other cards in Canada. This allows you to save on the cost of using the card.

Offers You The Opportunity To Build Your Credit

A secured card is one that offers you the chance to start working on your credit report and score. By making timely repayments, which are reported to the credit bureau, and this is what they use to improve your credit score over time.

Gain Access To Free Financial Information

The Refresh Financial website offers you some free financial training online. Their portal is called “Refresh f.i.t.” It is a free training providing customers with financial information.

The Refresh Financial Secured Credit Card Fees 

When applying for a credit card, it is important to know the fees and interest charged. Below is a list of fees that come with the Refresh Financial Secured Credit Card

  • Purchase APR – Charged at 17.99%.
  • Cash advance rate – nil.
  • Balance transfer rate – nil.
  • Interest-free period – approximately 21 days.
  • Minimum credit limit – $200.
  • Annual fee – charged at $12.95.
  • Monthly service fee – charged at $3.
  • Over the credit line fee – charged at $5.
  • Balance transfer fee – nil.
  • Penalty APR – nil.
  • Foreign currency conversion fee – charged at 3.5%.
  • Cash advance minimum fee – charged at $5.
Refresh Financial Secured Card - Learn How to Apply Today and Build Credit
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Refresh Financial Secured Credit Card Eligibility

To qualify for this card, you must ensure that you meet the eligibility criteria. To comply with these criteria, you must first attain the minimum majority age in the territory/province that you reside in. 

You must be a Canadian Citizen and have a Canadian address.  You need to deposit the secured amount, and you shouldn’t have an existing Refresh Card or account.

You shouldn’t have applied for the Refresh Card more than once in the last month or have defaulted on payments for any Refresh Card in the last year.

How To Apply For The Refresh Financial Secured Credit Card?

To apply for the Refresh Financial Secured Credit Card, you can follow the below process.

  • Visit the company website and click on “Go to Site,” which is at the top of the page. This will direct you to the Refresh Financial Secured Card Application page.
  • Complete the form with information such as your full name, address, employment details, and income information.
  • Make sure to review the form before submitting it.

Refresh Financial Corp, Company Address And Contact Information

To find out more about the Refresh Financial Secured Credit Card, it is advisable to directly contact the company. Refresh Financial Corp can be contacted using the following details. 

Address: 230 – 1628 Dickson Avenue Kelowna, British Columbia, V1Y, 9X1.

Phone: 800 746 4840.


With this credit card, you will be in a better position to build your credit score, and if you do not have any credit history, this card can help you build that as well. With their simple eligibility requirements, almost everyone can qualify for the card.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.