Visto de Fundo Fiduciário Residencial
No annual fee, no foreign exchange fees, and up to 1% cash back. Get credit limits suited to your needs, ideal for everyday Canadian spending.
Home Trust Visa is an attractive choice for Canadians wanting value. The Preferred Visa card stands out with no annual fee and no foreign currency exchange fees. The regular interest rate is 21.99%, which is typical for everyday credit card use.
For those interested in a secured card, you can set your own high credit limit based on your deposit. There’s also an Equityline Visa for homeowners, offering a high limit and low rates (rate varies with collateral and credit assessment). Applicants must be the age of majority in their province or territory and must not currently be bankrupt.
Como se candidatar: passo a passo
Start by visiting the official Home Trust website. Choose the Visa card that meets your needs. Fill in personal and financial information, ensuring accuracy. Submit identification documents to satisfy requirements. Finally, review and send your application for processing.
Highlights: Pros of Home Trust Visa
A big advantage is the no annual fee, making it appealing for budget-conscious users. No foreign exchange fees are perfect for travellers or online shoppers purchasing in other currencies. Cash back on eligible purchases at 1% is straightforward, with no caps in Canada. Flexible options are available for new immigrants, home renovators, or those building or rebuilding credit.
Desvantagens: Pontos negativos a considerar
A downside is the lack of premium travel perks, compared to some competing cards. Additionally, the interest rates on the unsecured card are not the lowest. Cash advances and foreign purchase transactions don’t earn rewards, which may impact your earning potential if you rely on these features.
Veredicto final
Home Trust Visa cards are a solid, no-nonsense choice for Canadians. If you prefer low costs and straightforward rewards, they’re a smart pick for everyday spending and cross-border purchases.
