Home Trust Preferred Visa Card
Last updated:
No annual fee
Opens issuer website
Key Details
Annual Fee
$0
Network
visa
Credit Required
good
Reward Type
cashback
Rewards Earn Rates
1x
Groceries
1x
Gas
1x
Dining
1x
Travel
1x
Everything Else
Highlights
- No annual fee
- No foreign transaction fees
- 1% cashback on all purchases
- Great for international travel and online shopping
Pros & Cons
Pros
- + No annual fee
- + No foreign transaction fees (saves 2.5%)
- + Flat 1% cashback on everything
- + Great for international travel
Cons
- – Only 1% base cashback
- – No bonus categories
- – Limited perks and insurance
- – Less well-known issuer
Who Is This Card For?
The Home Trust Preferred Visa Card is best suited for Canadians who prioritize no-fee, no-fx-fees, travel spending. With no annual fee, it's an excellent choice for anyone who wants rewards without ongoing costs.
Benefits Breakdown
No FX Fees
Ways to Reduce the Annual Fee
- No fee ever - free card with no FX fees
- One of very few no-fee, no-FX cards in Canada
Multi-Card Strategy
Essential travel companion. Use this for ALL foreign currency purchases (online and abroad) and a high-earn card like Cobalt or Scotia Gold for domestic spending.
See full multi-card strategies →Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
Apply for Home Trust Preferred Visa CardAffiliate link · Disclosure
Similar Cards to Consider
Tangerine Money-Back Credit Card
MastercardTangerine · No annual fee
Earn 10% cashback on purchases
Pros
- +No annual fee ever
- +Choose your own 2% cashback categories
- +Simple and flexible rewards structure
Cons
- –Only 0.50% on non-category spending
- –Mastercard network (fewer airport lounges)
BMO CashBack Mastercard
MastercardBMO · No annual fee
Pros
- +No annual fee
- +Excellent 3% rate on groceries
- +Good for building credit
Cons
- –Only 0.5% on general purchases
- –No travel benefits
Simplii Financial Cash Back Visa Card
VisaSimplii Financial · No annual fee
Earn 10% cashback for 4 months
Pros
- +No annual fee
- +Excellent 4% on dining
- +Good grocery and gas earn rate
Cons
- –Low base earn rate
- –Must have a Simplii account
Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.