Pros & Cons
Pros
- Purchase protection included
- No foreign transaction fees
- No annual fee
Cons
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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 ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$300
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Fees and interest rates
- Annual Fee$0
- Foreign currency conversion fee0%
- Purchase Rate21.99%Quebec21.99%
- Cash advance rate21.99%Quebec21.99%
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.
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. Faventure 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.
