Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.
Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the Home Trust Secured Visa Card would earn $0 in rewards over the year and with the KOHO Essential Mastercard you would earn $0 in rewards.
When you spend using the Home Trust Secured Visa Card you will earn points called .
When you spend using the KOHO Essential Mastercard you will earn points called .
We can also compare the Home Trust Secured Visa Card vs KOHO Essential Mastercard based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the Home Trust Secured Visa Card vs KOHO Essential Mastercard based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the Home Trust Secured Visa Card is better than the KOHO Essential Mastercard.
The Home Trust Secured Visa Card charges an annual fee of $0, which is $48 less than the $48 annual fee for the KOHO Essential Mastercard. So, if annual fees are important to you, then the Home Trust Secured Visa Card is the better choice.
Neither Home Trust Secured Visa Card nor KOHO Essential Mastercard provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
The KOHO Essential Mastercard has better interest rates overall than the Home Trust Secured Visa Card.
The Home Trust Secured Visa Card charges 19.99 on your credit balance for purchases, which is different from the interest rate on the KOHO Essential Mastercard.
It's worth noting that the Home Trust Secured Visa Card has an interest rate of 19.99 on any balance you transfer to this card from another credit card. That rate is higher than the N/A that is charged on the KOHO Essential Mastercard. If you expect to transfer a balance to this card then the KOHO Essential Mastercard might save you a lot of money.
Both cards offer similar insurance coverage.
The KOHO Essential Mastercard includes 6 types of insurance, whereas the Home Trust Secured Visa Card only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the KOHO Essential Mastercard is the better choice.
Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.
The Home Trust Secured Visa Card is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.
The KOHO Essential Mastercard is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.
