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.
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 $
Home Trust Preferred Visa Frequently Asked Questions
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.
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.
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.
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.
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.
The Home Trust Preferred Visa is accepted wherever you see the Visa symbol across more than 200 countries and territories.
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.
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.
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
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.
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.
Please visit our Digital Wallet FAQs to find out how you can add your Home Trust Preferred Visa to your digital wallet
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.
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.
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/.
You can easily pay your credit card bill online with the following steps:
- 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
- Go to the Bill Payments section of your financial institution’s online banking system and add “Home Trust Visa” as a new payee*
- Enter your 16-digit card number in the account number field
- 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.
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.