Home Trust
Home Trust Preferred Visa
Still open to new applicants as of August 2026. No annual fee. 1% cash back on all eligible purchases with no earning cap. No foreign transaction fees - save the typical 2.5% FX surcharge abroad and on US online shopping. Minimum annual income of $15,000. Not available to Quebec residents. Note: an inactivity fee may apply if the card goes unused.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases)
FX fee
Not stated by issuer
Grace period
Not stated by issuer
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1% cash back on every eligible purchase in Canada with no cap
- no foreign exchange fees on purchases made in a foreign currency
- Visa Zero Liability and car rental collision/loss damage coverage
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | Not publicly disclosed |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 21.99% (cash advances/balance transfers) |
| Balance transfer fee | Not publicly disclosed |
| Cash advance | Not publicly disclosed (cash advance interest rate 21.99%) |
| Foreign exchange fee | Not stated by issuer |
| Grace period | Not stated by issuer |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.