Cash Back
No Annual Fee
Home Trust Preferred Visa
Home Trust
Secure RateBuddy connection · Application completed on Home Trust’s site
Annual Fee
$0
Purchase APR
21.99%
Cash Advance
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%
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
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
No Annual Fee
No Annual Fee
No Foreign Transaction Fees
0% Foreign Transaction Fee
Purchase Security Insurance
Purchase Security (90 days)
Insurance Coverage
• Purchase Security Insurance (90 days)
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Income Required |
Personal: $15,000 |
| Recommended Credit Score | — |
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Filed Under
Cash Back
No Annual Fee
Secure RateBuddy connection