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Carte Visa Preferred Home Trust
Home Trust Preferred Visa
Home TrustCash Back
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Home Trust's website

Features
Issuer
Home Trust
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Min. annual income
$15,000+
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
0 %

Issuer terms

  • No annual fee
  • No foreign currency conversion fees (save 2.5% on currency purchases)
  • 1% cash back on all eligible purchases, with no cap
  • Purchase security (90 days)
  • Visa Zero Liability Protection
  • Minimum annual income of $15,000
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Purchase protection
Coverage
Purchase Protection
90 days
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Pros

  • No annual fee

Cons

  • No welcome bonus
  • Requires good credit

The Home Trust Visa Preferred Card is a cash back credit card with no annual fee and no foreign currency conversion fees, making it one of the best cards in Canada for foreign currency purchases and travel.

Earn 1% cash back on all your eligible purchases, with no cap, and avoid the 2.5% conversion surcharge abroad and on your international online purchases.

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Carte Visa garantie Home Trust
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Home Trust's website

Features
Issuer
Home Trust
Network
Loyalty Program
—
Fees and terms
Annual Fee
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
19.99 %
Cash advance
19.99 %
Foreign transaction fee
2.5 %

Issuer terms

  • No annual fee
  • 19.99% purchase interest rate
  • Refundable security deposit of $500 to $10,000
  • Helps build or rebuild your credit
  • Reported to both major credit bureaus
  • No credit history required
Read full review

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

The Home Trust Secured Visa Card is a secured credit card designed to build or rebuild your credit, with no annual fee.

Approval is based on a refundable security deposit ($500 to $10,000), not your credit history, making it accessible to most Canadians.

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Carte Visa garantie Home Trust à taux réduit
Annual fee
$59
Welcome offer
No current welcome offer
Apply Now

on Home Trust's website

Features
Issuer
Home Trust
Network
Loyalty Program
—
Fees and terms
Annual Fee
$59/yr
Min. annual income
—
Household income
$0+
Interest rates
Purchases
14.9 %
Cash advance
14.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • Low Purchase Interest Rate of 14.90%
  • Annual Fee of $59
  • Refundable security deposit of $500 to $10,000
  • Helps build or rebuild your credit
  • Reported to both major credit bureaus
  • No credit history required
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Modest reward rates

The Home Trust Low Rate Secured Visa Card offers a low interest rate of 14.90% for an annual fee of $59, ideal if you carry a balance while building your credit.

Approval is based on a refundable security deposit ($500 to $10,000), not on your credit history.

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