Pros & Cons
Pros
- +No foreign transaction fees
- +No annual fee
Cons
- –No purchase protection
Our Review
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.
Rewards
All Spending
1x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$300
$/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$300
incl. welcome bonus
Annual rewards breakdown
Interest Rates
- Purchase Rate21.99%
- Purchase rate (Quebec)21.99%
- Cash Advance21.99%
- Cash advance rate (Quebec)21.99%
- Foreign Transaction Fee0%
Eligibility
Personal Income
$15,000
Terms & Conditions
Card Features
- 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
Legal
*Conditions apply. Information sheet.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Home Trust. All trademarks are property of their respective owners.