Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Money.caTravellers and online shoppers who want the tri-pronged perk of no annual fee, no foreign transaction fees, and cash back will love the Home Trust Preferred Visa for its simplicity and efficacy. Despite the value of its comprehensive approach to travel savings and extra privileges, however, the card...
- creditcardGeniusFor no annual fee, the Home Trust Preferred Visa packs quite the punch. You'll save on a credit card annual fee, not pay any foreign exchange fees, all while earning 1% cash back on your purchases and getting some perks on the side.
- Enoch Omololu, SAVVY New CanadiansOverall, my review of the Home Trust Preferred Visa card is positive. While its value proposition has significantly reduced following recent updates, if you are looking for a no-fee card that waives FX fees, it may be worth your time.
- Barry Choi, Money We HaveAlthough it’s not one of the best travel credit cards in Canada, my Home Trust Preferred Visa review is positive. Some people will say that this card is not as good compared to other credit cards without foreign transaction fees, but if you want something with no annual fee and no foreign transactio...
- Borche Stefanov, Offerhub.caThis card is best suited to both frequent travellers and online shoppers. Since there is no annual fee, no foreign currency transaction fees, and cash back on every type of purchase, this is the best kind of card to have whether you are frequently heading away from home for business/recreation or yo...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 19.99% |
| Balance Transfer Interest Rate |
Balance Transfers Not Allowed |
| Cash Advance Interest Rate | 19.99% |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | |
| Cash Advance Fee |
1% Minimum of $2.50, maximum of $10.00 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Additional Benefits |
Roadside Assistance |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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