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Home Trust Preferred Visa
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Home Trust Equityline® Visa
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Home Trust Secured Visa
Annual fee
Annual fee No No $59/14.90%
  1% cash back1
1% cash back1 Yes Yes No
  No foreign exchange fees2
No foreign exchange fees2 Yes Yes No
  Interest rate
Interest rate 19.99% 6.99% - 14.99%3 14.90% or 19.99%4
  Access to home equity
Access to home equity No Yes No
  Rebuild credit
Rebuild credit Yes Yes Yes
  Visa Purchase Security7
Visa Purchase Security5 Yes Yes No
  Guaranteed hotel reservations
Guaranteed hotel reservations Yes Yes No
  Online account management
Online account management Yes Yes Yes
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1. Cash advances, balance transfers, interest, fees and foreign transactions (including online purchases in foreign currencies) are not eligible for CashBack Rewards. 2. Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharge. 3. Interest rate varies, depending on real estate collateral and borrower’s credit. 4. Cardholders can choose between an annual fee of $59 and 14.90% interest or no annual fee and 19.99% interest. 5. Purchase Security insurance is underwritten by Royal Sun and Alliance Company of Canada. Complete terms and conditions are outlined in the Certificate of Insurance provided with your card.