To be eligible to apply for the Optimax CashBack Rewards Visa product, the Applicant confirms they are:

  • not currently in bankruptcy
  • a permanent resident of Canada
  • of the age of majority in their province or territory of residence

Quebec residents, click here for the applicable Disclosure Statement.

Optimax CashBack Rewards Visa
Disclosure Statement

Annual Interest RateThe Interest Rate is in effect the day the Account is used or activated.

Purchases: 19.99%
Cash Advances: 24.99%
Interest-free Grace Period21 Days
The payment Due Date will be at least 21days after the monthly Statement Date. No interest is charged for new Purchases if the New Balance is paid in full by the Due Date shown on the monthly Account Statement.
There is no interest-free period on Cash Advances or balance transfers.
Minimum Payment3% or $10
The monthly Minimum Payment is the greater of 3.00% or $10.00 of the New Balance shown on the monthly Account Statement.
Foreign Currency Conversion2.5%
Purchases or Cash Advances in a foreign currency will be converted into Canadian dollars at the exchange rate set by Visa International in effect on the day the transaction is posted to the Account, plus a 2.5% currency conversion charge.
Annual FeesThere is no Annual Fee.
Other FeesOver Credit Limit: $29.00 charged at the end of the billing period if the Debt exceeds the Credit Limit during any period covered by an Account Statement.
Dishonoured Payment/NSF: $45.00 each time a payment you make is dishonoured.
Account Maintenance: for an inactive Credit Card Account with a credit balance that has not changed for 360 consecutive days, a fee of the lesser of $10.00or the full credit balance will be charged on that date.
These fees are charged for services requested and will be charged on the day the transaction or event occurs:
Cash Advance: $4.00 for a Cash Advance from an ATM displaying the Visa or Plus logo. This is in addition to any other charges that may be levied by the owner/operator of the ATM.
Statement Copy/Update: $5.00 for a copy of an Account Statement for any other period other than the current statement period.
Sales/Cash Advance Draft Copy: $5.00 per item. No charge if an Account posting error is determined.
Rush Replacement Card: $39.00 for the delivery of a new or replacement Card by courier at the request of the Applicant(s).


Fees are subject to change upon notice. For more information about your application or fees, call one of our Customer Care Representatives between 8 a.m. and 8 p.m. ET from Monday to Friday toll free 1-855-556-8599 or collect 416-594-3648.
The Optimax CashBack Rewards Visa card is issued by Home Trust Company.
* Visa Int/Home Trust Company, licensed user of mark.

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Optimax CashBack Rewards Visa Application

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Optimax CashBack Rewards Visa Application

  • 1Personal Information
  • 2Additional Information
  • 3Submit
Name*
Address*
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Have you lived at this address for more than 2 years?*
Previous Address*
Your email will not be shared, and you will not receive promotional offers without your express consent.
Date of Birth*

Optimax CashBack Rewards Visa Application

  • 1Personal Information
  • 2Additional Information
  • 3Submit

Applicant Employment

Employer Address*
Have you been at your current employer for more than 2 years?*

Previous Employer

Previous Employer Address *

Country
Address1
Address2
City
Province
State
Province
Postal Code
Zip Code

Optimax CashBack Rewards Visa Application

  • 1Personal Information
  • 2Additional Information
  • 3Submit
Would you like to add an authorized user?*
Authorized user's name*
Address*
Date of Birth*

Optimax CashBack Rewards Visa Application

  • 1Personal Information
  • 2Additional Information
  • 3Submit

Politically Exposed Person Declaration

Does the Applicant or any of their family member(s) hold or have ever held or is a close associate to one of the following offices or positions in or on behalf of a Domestic or Foreign State?

A head of state or head of government; member of the executive council of government or member of a legislature; deputy minister or equivalent rank; ambassador or attaché or counsellor of an ambassador; military officer with a rank of general or above; president of a state-owned company or a state-owned bank; head of a government agency; judge; leader or president of a political party represented in a legislature.

Promotional Offers and Communications (Recommended)

By checking “Yes”, I agree to receive commercial electronic messages from Home Trust Company about information regarding products, services or offers that may be of interest to me as a cardholder. I understand that I may withdraw my consent at any time.

Disclaimer

Please read the terms and disclosures included with this application.

Authorization for Use of Personal Information

You may collect credit, identity and financially related information about me during the course of my relationship with you from credit bureaus, other financial institutions and references (“Information”). You may also disclose Information to credit bureaus, financial institutions, Visa Canada and Visa International and their agents and to outside providers of card services. You and those parties may use Information to identify me, understand my needs and eligibility for this Application and for Card and other services to recommend and to market particular products and services.

To obtain a copy of Home Trust’s Privacy Code, visit www.hometrust.ca or call 1-888-281-7793

Authorization for Account Creation

Please open an Account in my name ("Account"), issue me a Card, and Personal Identification Number. I will be bound by the Cardholder Agreement you will send me, as amended or replaced from time to time; use of any Card applied for means I have received and read the Cardholder Agreement. I will ensure that all Authorized Users review the Cardholder Agreement, other agreements and program terms you will send me.

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