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Best Home Trust Credit Cards in Canada for November 2025
Published Nov 22, 2025 2:49 PM • 6 min read
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Written By
Lead Writer
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Credit Card Expert
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Credit Card ExpertTechnically, there are only two Home Trust credit cards in Canada. Regardless, these contenders are ideal for international spending and affordable credit building.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
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FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Home Trust Preferred Visa: Best Overall
Home Trust Secured Visa: Best Credit Builder
Best Home Trust Credit Cards in Canada
The Home Trust Visa card is the only no-annual-fee credit card in Canada that offers no foreign transaction fees, which is a significant benefit for frequent travelers. The big catch is that you don't earn any rewards on foreign purchases, so if you have a credit card that gives you a cashback rate close to 2.5%, it might not be worth the hassle to get this card. Other than this benefit, there are no compelling reasons to use this card as your primary credit card.
Pros
- The only No Annual fee Credit Card in Canada that offers No Foreign Transaction Fees
Cons
- Rewards are very average
- No Extended Warranty benefit on this card
Rewards
- 1% cashback on all eligible purchases.
- Foreign transactions don't receive cashback!
Insurance
Coverage
Purchase Protection
Up to 90 days
Benefits
Details
No Foreign Transaction Fees
Eligibility
Credit Score
FairAnnual Income
N/A
Our choice for: Best Credit Builder
APPLY NOW
on Home Trust's website
Welcome Bonus
N/A
Rewards Rate
No Rewards
Annual Fee
$0
Interest Rates
19.99%, option to pay $59 Annual fee for %14.90 / 19.99%, option to pay $59 Annual fee for %14.90
Although there are other better secured credit card options available in Canada, this card is the only no-fee secured credit card option, making it the choice for those who want to avoid fees.
Pros
- No Annual Fee required
Cons
- No rewards earned on purchases
- No benefits provided by the card
Rewards
No Rewards
Eligibility
Credit Score
PoorAnnual Income
N/A
From our editors: The full list of Best Home Trust Credit Cards in Canada
Best Overall: Home Trust Preferred Visa Card
There's a reason the Home Trust Preferred Visa Card is the preferred Home Trust Credit Card in Canada. That's because this contender actually earns you some cashback on all eligible purchases. The real highlight feature though is the no foreign transaction fees perk, allowing cardholders to shop internationally with ease. In fact, this card is the only credit card in Canada that offers no foreign transaction fees for no annual cost! That said, unfortunately, you don't earn any cashback on foreign purchases.
To learn more about other cards with this exclusive perk, check out our best no foreign transaction fees credit cards in Canada post. To discover more about this card in particular, read our Home Trust Preferred Visa Card Review.
Best Credit Builder: Home Trust Secured Visa Card
If you're more concerned about building credit than avoiding foreign transaction fees, consider the Home Trust Secured Visa Card instead. Sadly, this card doesn't earn you any rewards nor does it comes with any added benefits or coverage. However, it's worth noting that this contender is the only no-fee secured credit card in Canada, landing it a spot in our best secured credit cards in Canada article. Get all the details in our Home Trust Secured Visa Card Review.
Pros and Cons of Home Trust Credit Cards
Now that we've covered the top contenders in detail, lets review the pros and cons of Home Trust credit cards:
Pros | Cons |
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Top Applicants for Home Trust Credit Cards
Given everything we've discussed so far, Home Trust credit cards are best for cardholders who want to:
- Avoid foreign transaction fees
- Build credit
- Avoid annual fees
- Avoid annual income requirements
How to Apply for a Home Trust Credit Card
To apply for a Home Trust credit card, tap the "Apply Now" button at the bottom of either card featured above. This button will redirect you to the Home Trust official website and will kickstart the application process. Credit card applications typically ask for your personal information (like your email, phone number, and address) and financial information (such as your income, when applicable).
Frequently Asked Questions
Originating in 1977, Home Trust is a top financial service institution in Canada, offering both credit cards and mortgage support.
Generally speaking, Home Trust offers solid credit cards for those who want to avoid foreign transaction fees and those who want to build credit, both for no annual fee.
Home Trust joined the longstanding Fairstone Bank brand in early 2025.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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