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Zero annual fee, 1% cashback, and low rates. No foreign exchange fees. Build or rebuild credit. Choose your limit. Flexible for all Canadian needs.
The Home Trust Visa suite provides diverse options for Canadians seeking flexibility, rewards, and credit-building opportunities. With competitive rates and favourable terms, these cards appeal to various financial needs.
The Preferred Visa card comes with no annual fee and a standard interest rate of 21.99%. It boasts unlimited 1% cashback and no foreign transaction fees, maximising value for frequent spenders and travellers alike.
The Equityline Visa takes advantage of your home equity, providing a high credit limit, no annual fee, and a low rate that varies based on property and credit assessment. The Secured Visa helps rebuild credit, offering limits set by your deposit and options for either a lower rate or no annual fee.
Como se candidatar: Guia passo a passo
1. Select your preferred card based on your financial needs.
2. Prepare identification and proof of address.
3. Complete the online application form.
4. Submit additional documentation if required.
5. Wait for approval and activate your card upon receipt.
Prós: Principais benefícios
The greatest strength is flexibility: a choice of cards tailored for cashback enthusiasts, those needing high limits, or newcomers looking to build credit. No annual fee options across products make these cards accessible and cost-effective. Eliminating foreign exchange fees further maximises savings for online shoppers and travellers.
Contras: Considerações
Interest rates for the Preferred Visa are higher than some low-rate competitors. Cashback excludes foreign transactions and cash advances. Those without home equity, or with poor credit, may not be eligible for the Equityline card.
Verdict: Should You Choose Home Trust?
Home Trust’s Visa cards deliver strong value and versatility. They are especially compelling for no-annual-fee seekers and those rebuilding credit. Each product suits a specific life stage, so consider your financial habits and goals before applying. The combination of savings, security, and the option to set your own credit limit makes these cards worthy of consideration.
