Get the benefits you prefer,
without the fees

The Home Trust Preferred Visa* allows you to get more out of your everyday spending
Apply Now

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 $

Monthly Purchases $
*Visa Int./Home Trust Company, licensed user of mark.
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.