Get the benefits you prefer, with no fees

The Home Trust Preferred Visa* card helps you get more out of your everyday spending with no annual fee and no foreign exchange fees. Plus you get purchase security and 1% CashBack Rewards on all eligible purchases with no cap.
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This credit card product is not available in Quebec

The Home Trust Preferred Visa has
preferred benefits and features for you

No foreign exchange fees

It’s one of the best international credit cards available because you pay NO exchange fees1 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 back2 — 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 Liability3 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 insurance4 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.

See how your everyday purchases add up to CashBack Rewards

Every eligible purchase you make earns 1% cash back. Plus there’s NO cap on your annual cash back earnings! Enter your approximate monthly spending within Canada to see how much you could earn with a Preferred Visa card.

Annual CashBack Rewards $

Monthly Purchases $