Home Trust Visa: No Annual Fee, Cash Back & No Foreign Exchange Fees

The Home Trust Visa suite offers Canadian consumers a compelling choice for everyday credit card use. The Preferred Visa stands out for its generous 1% cash back on eligible purchases with no upper cap, making it attractive for consistent spenders. Notably, there is no annual fee, and foreign exchange fees are completely waived, delivering meaningful savings for travel and online shopping.

With an interest rate of 21.99% on the no-fee version, and starting at 19.99% for secured options, the cards are easy to qualify for. The secured version is especially popular among those rebuilding credit or newcomers to Canada. Besides cash back, benefits include Visa Zero Liability and purchase security insurance for added peace of mind.

Como se candidatar: passo a passo

1. Choose the card that fits your needs: Preferred, Equityline, or Secured.
2. Gather ID and personal information (proof of address, income, etc.).
3. Complete the online application form via the official provider’s site.
4. Review your terms and submit. Approval is often quick and online.
5. Activate your card upon arrival – you can start using it immediately.

Pros of Home Trust Visa Cards

First, there are no annual fees on key cards, and no foreign exchange fees—this is a rare combination among Canadian cards.

Second, all cards come with basic insurance and Visa’s renowned Zero Liability fraud protection. For credit-builders, the secured card is a proven choice.

Cons of Home Trust Visa Cards

The main drawback is the lack of premium perks like lounge access or advanced travel insurance that frequent flyers seek.

Additionally, the interest rate is relatively standard, so balances should ideally be paid in full monthly to avoid high charges.

Nosso veredicto

Home Trust Visa cards are best for Canadians seeking simplicity, solid rewards, and low fees. They offer robust value, particularly for travellers and those wanting straightforward credit-building tools.