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3.5
/5
Home Trust
Visa
Home Trust Preferred VisaCash Back Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 21.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3.5/5
Institution
Home Trust
How You Earn Rewards
- 1% cashback on all eligible purchases.
- Foreign transactions don't receive cashback!
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Up to 90 days
Benefits
Details
No Foreign Transaction Fees
Pros & Cons
Pros
- No annual fee
- No foreign transaction fees
Cons
- Average rewards
- No extended warranty insurance
- No welcome bonus