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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preferred

This credit card product is not available in Quebec

The Home Trust Preferred Visa for 1% cash back, no foreign exchange fees, and more

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 $

$0
$8000
Monthly Purchases $

Home Trust Preferred Visa Frequently Asked Questions

Read more about Preferred Visa benefits and services
Product benefits
Is the Home Trust Preferred Visa credit card right for me?

The Home Trust Preferred Visa credit card is a great option if you are looking for a rewards card that features cash back and savings on foreign exchange fees. Its versatile benefits make it ideal to use for both everyday purchases and travel, with the added benefit of having no annual fee.

No annual fee?

That’s right! Many banks require you to pay an annual fee for card features and benefits. The versatile benefits of the Home Trust Preferred Visa are all yours for no annual fee.

What kind of rewards does my Home Trust Preferred Visa offer?

You will receive 1% cash back on every eligible purchase made with your Home Trust Preferred Visa. Additionally, there is no cap on your annual cash back earnings, giving you the opportunity to save for your vacation, complete a household project or pay down your balance.

How do I get my cash back earnings?

Your rewards earned are displayed every month on your statement, and the total amount earned for the previous year will be provided to you as a statement credit in January.

What are the travel benefits of the Home Trust Preferred Visa?

The Home Trust Preferred Visa offers useful travel benefits such as no exchange fees on foreign currency purchases, whether you are spending while abroad or shopping online. With your Preferred Visa credit card, you can also request a guaranteed hotel reservation anywhere in the world and your room will be held for you even if you arrive late.

Where is the Home Trust Preferred Visa accepted?

The Home Trust Preferred Visa is accepted wherever you see the Visa symbol across more than 200 countries and territories.

Can I use my Home Trust Preferred Visa to withdraw money as a cash advance?

Yes, you use your Home Trust Preferred Visa together to make cash advance transactions at any ATM that displays the Visa or MasterCard logo. You can withdraw up to 100% of your credit limit, subject to additional service fees.

What is the annual interest rate on my Home Trust Preferred Visa?

The annual interest rate for purchases and cash advances on your Home Trust Preferred Visa is 21.99%. The Interest Rate is in effect the day the account is used or activated.

How secure is the Home Trust Preferred Visa?

You have several layers of protection when using your Home Trust Preferred Visa. This includes:

  • Purchase Security, which insures eligible items against theft or damage for 90 days from the date of purchase
  • The Visa Zero Liability Policy, which protects you from someone making unauthorized purchases using your card number
  • Verified by Visa, which enhances online shopping security by requiring a password to authorize your transactions
Services
Can I manage my Home Trust Preferred Visa online?

Yes, you can manage your Visa account easily and securely at any time, and from anywhere. Get your balance and view your transactions by enrolling in Home Trust Visa Online.

Can I add my Home Trust Preferred Visa to my digital wallet?

Yes, your Home Trust Preferred Visa is compatible with Apple Pay, Google Pay and Samsung Pay. Now you can pay faster – an added benefit on top of all the other great features of your card.

How do I add my Home Trust Preferred Visa to my Digital Wallet?

Please visit our Digital Wallet FAQs to find out how you can add your Home Trust Preferred Visa to your digital wallet

Who can I contact if my card is lost or stolen?

In the event your card is lost or stolen, you can get help 24 hours a day, seven days a week, from anywhere in the world by calling 1-800-847-2911 (International: 1-800-847-2113). A Visa representative will replace your card and get it in your hands as soon as possible.

How can I reach customer service?

For information about your Home Trust Preferred Visa, or for any questions about the features and benefits of your card, please contact customer service at 1-877-727-6883, Monday to Friday from 8:00 am to 8:00 pm EST.

How to apply
What are the requirements to apply for a Home Trust Preferred Visa credit card?

To apply for a Home Trust Preferred Visa, you must meet the following requirements:

  • You need to be a permanent Canadian resident
  • You need to be the age of majority in your province
  • You cannot currently be in bankruptcy
  • You will need to make at least $15,000 as annual income
  • You cannot be a resident of Quebec

To apply, visit https://visa.hometrust.ca/.

How do I make payments on my Preferred Visa?

You can easily pay your credit card bill online with the following steps:

  1. Visit https://www.hometrust.ca, click on Login (top right corner) and then Visa Client Login, and follow the steps to enrol online account management
  2. Go to the Bill Payments section of your financial institution’s online banking system and add “Home Trust Visa” as a new payee*
  3. Enter your 16-digit card number in the account number field
  4. Make a bill payment to Home Trust Visa each month when payments are due

*You must complete this transaction from a bank account in your name. Third Party funds will be rejected.

*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.
3Certain restrictions, limitations and exclusions apply. The Visa Zero Liability policy protects Visa cardholders who have a Canadian issued Visa card and experience fraud through unauthorized use of their card.
4Purchase Security insurance is underwritten by Chubb Insurance Company of Canada. Complete terms and conditions, are outlined in the Certificate of Insurance provided with your card.