Home Trust Preferred Visa Review

No-Fee Cash Back Card with Zero Foreign Transaction Charges

The Home Trust Preferred Visa is a straightforward, no-annual-fee credit card designed for Canadians who want to save money and earn rewards at the same time. With unlimited 1% cash back on all purchases and zero foreign transaction fees, it’s a great companion for both everyday spending and international travel.

Backed by Home Trust, a well-established Canadian financial institution, this card keeps things simple: no confusing categories, no annual cost, and real savings when shopping outside Canada.

CREDIT CARD

Home Trust Preferred Visa

CashBack Rewards Zero Liability policy

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10 Benefits of the Home Trust Preferred Visa

1. No Annual Fee
Keep more money in your pocket—this card has no yearly fee.

2. Unlimited 1% Cash Back
Earn 1% cash back on every purchase, with no caps or category restrictions.

3. No Foreign Transaction Fees
Shop or travel abroad without paying the usual 2.5% currency conversion surcharge.

4. Worldwide Visa Acceptance
Use your card in millions of locations around the globe.

5. Purchase Security
Get protection for eligible items against theft or damage for a set period after purchase.

6. Extended Warranty
Double the manufacturer’s warranty on most new purchases.

7. Flexible Payment Options
Choose to pay your balance in full or make partial payments as needed.

8. Simple Reward Redemption
Cash back is automatically applied to your account annually—no complicated redemption process.

9. Contactless Payments
Tap to pay quickly and securely in stores.

10. Additional Cardholders
Add authorized users to your account at no extra cost.

Who Can Apply?

You may qualify for the Home Trust Preferred Visa if you:

• Are at least 18 or 19 years old (depending on your province)
  
• Are a resident of Canada
  
• Have valid government-issued identification
  
• Meet Home Trust’s credit requirements
  
• Provide proof of income if requested

How to Apply

1. Visit www.hometrust.ca
   
2. Find the Home Trust Preferred Visa page
   
3. Click Apply Now
   
4. Fill out the application with your personal and financial details
   
5. Review and accept the terms and conditions
   
6. Submit your application online
   
7. Wait for an approval decision
   
8. Receive your card by mail

Frequently Asked Questions (FAQ)

1. Does the Home Trust Preferred Visa have an annual fee?
No, it’s completely free to keep year after year.

2. What is the cash back rate?
You earn unlimited 1% cash back on all purchases.

3. Are there foreign transaction fees?
No, you won’t pay the standard 2.5% currency conversion fee.

4. Can I use the card outside Canada?
Yes, it’s accepted worldwide wherever Visa is recognized.

5. How is cash back paid out?
Your accumulated rewards are applied as a statement credit annually.

6. Can I add additional cardholders?
Yes, you can add authorized users at no extra cost.

CREDIT CARD

Home Trust Preferred Visa

CashBack Rewards Zero Liability policy

APPLY NOW You will be redirected