Cash Back
No Annual Fee
Home Trust Preferred Visa
Home Trust
Annual Fee
$0
Purchase APR
21.99%
Cash Adv. APR
21.99%
RateBuddy Verdict
The Good
- Charges absolutely no foreign exchange fees on international or online foreign currency purchases.
- Earns a straightforward 1% cash back on all eligible domestic purchases with no earning cap.
- Has no annual fee, making it a great card to hold solely for travel or cross-border shopping.
The Trade-offs
- Purchases made in foreign currencies do not earn any cash back.
- Cash back rewards are only paid out once a year in January as a statement credit.
- Not available to residents of Quebec.
Rewards & Earnings
Base Rate 1.00%
Rewards Summary: • 1% cash back on all eligible purchases with NO cap
• Rewards are provided as a statement credit in January
• Note: Foreign currency transactions are not eligible for CashBack Rewards
- All Eligible Purchases: 1% cash back (No cap)
- Foreign Transactions: 0% (Foreign currency transactions do not earn cash back)
Welcome Bonus Details
Features & Benefits
No Annual Fee
No Annual Fee
No Foreign Transaction Fees
0% Foreign Transaction Fee
Purchase Security Insurance
Purchase Security (90 days)
Additional Perks
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Insurance Coverage
Purchase Security
Insures eligible items against theft or damage for 90 days from the date of purchase. Underwritten by Chubb Insurance Company of Canada.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $0 |
| Foreign Tx Fee | 0.00% |
| Income Required |
Personal: $15,000 |