Home Trust Preferred Visa
Home Trust · VISA
The Home Trust Preferred Visa is a credit card from Home Trust on the VISA network. It has an annual fee of C$0. It earns 1% on everything else.
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Foreign transaction fee
- None
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 1% | 1% cash back on all eligible purchases, no cap |
Benefits and perks
- No foreign exchange fees: It’s one of the best international credit cards available because you pay NO exchange fees on foreign currency transactions — even when you shop online. Many other credit cards charge you a 3% fee when you buy something in a foreign currency.
- CashBack Rewards: All of your eligible purchases earn 1% cash back — with NO cap — making your money work harder for you on your everyday spending. Save for an adventure, household project or pay down your balance — it’s up to you!
- No annual fee: All of the valuable benefits and features of the Home Trust Preferred Visa that you are reading about here are yours for NO annual fee. There’s no catch, just the preferred benefits you deserve at home or away.
- Zero Liability policy: One of the best Canadian credit cards for foreign exchange also protects you from fraud. With the Visa Zero Liability policy, if someone makes unauthorized purchases using your card number, you pay nothing for their fraudulent activity.
- Worldwide acceptance: Accepted in more than 200 countries and territories, the Home Trust Preferred Visa offers you a secure and reliable method of payment, anywhere in the world. You can also shop safely with contactless payment technology wherever it’s available.
- Purchase Security insurance: This Visa cashback credit card with no annual fee also insures your purchases. Purchase Security insurance insures eligible items against theft or damage for 90 days from the date of purchase.
- Online account services: Manage your Home Trust Visa account easily and securely — at anytime from anywhere in the world. Get your balance, view your transactions and pay your bills online at Home Trust Visa Online.
- Guaranteed hotel reservations: With this international travel credit card, you can request a guaranteed hotel reservation anywhere in the world and your room will be held for you even if you arrive late.
- Digital Wallet ready: Pay for purchases using your mobile device by adding your Home Trust Visa to your Apple Pay, Google Pay or Samsung Pay Digital Wallet.
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Foreign transaction fee: 0.
Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Home Trust Preferred Visa
What is the annual fee on the Home Trust Preferred Visa?
The Home Trust Preferred Visa has an annual fee of C$0.
What rewards does the Home Trust Preferred Visa earn?
The Home Trust Preferred Visa earns 1% on everything else.
Is the Home Trust Preferred Visa worth it?
The Home Trust Preferred Visa is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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