Get the benefits you prefer,
without the fees
The Home Trust Preferred Visa* allows you to get more out of your everyday spending
This credit card product is not available in Quebec
Key features and benefits
No foreign exchange fees
Pay no exchange fees1 on foreign currency transactions — even when you shop online
No annual fee
The versatile benefits of the Home Trust Preferred Visa are all yours for no annual fee
CashBack Rewards
Earn 1% cash back2 on all eligible purchases to get more out of your everyday spending
Emergency roadside assistance
Free emergency roadside assistance up to four times a year5, in North America
Collision/Loss Damage Insurance
Free Collision/Loss Damage Insurance3 on rental cars when paying with Preferred Visa
Guaranteed hotel reservations
Request a guaranteed reservation — your room will be held even if you arrive late
Purchase Security
Insures eligible items4 against theft or damage for 90 days from the date of purchase
Worldwide acceptance
Visa offers a secure and reliable method of payment in 200+ countries and territories
CashBack Rewards calculator
There is no cap on your annual cash back earnings; every eligible purchase earns 1% cash back. Enter your approximate monthly spending within Canada to see how much you could earn with Preferred Visa.
Annual CashBack Rewards $
1Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharge.
2Cash advances, balance transfers, interest, fees and foreign transactions (including online purchases in foreign currencies) are not eligible for CashBack Rewards.
3The Visa Collision/Loss Damage Insurance program is underwritten by Royal and Sun Alliance Insurance Company of Canada and is provided by a group policy issued to Visa Canada Association. Complete terms and conditions, including exclusions and limitations, are outlined in the Certificate of Insurance provided with your card.
4Purchase Security insurance is underwritten by Royal Sun & Alliance Company of Canada. Complete terms and conditions, are outlined in the Certificate of Insurance provided with your card.
5Subject to applicable limits.