Finding a credit card that combines smart rewards with global convenience is no easy task—but the Home Trust Preferred Visa makes it simple. Designed for Canadians who want to get more out of every purchase, especially while traveling or shopping online, this card delivers strong features without weighing you down with extra costs.
Whether you’re booking hotels abroad or buying from international online retailers, this card lets you save where it counts. Add in security benefits and mobile wallet compatibility, and the Home Trust Preferred Visa becomes a practical, efficient option for frequent travelers and smart spenders alike.
Essential details about the Home Trust Preferred Visa
The Home Trust Preferred Visa is a no-fee cash back credit card designed with travelers and value-conscious consumers in mind. One of its most compelling features is that it charges no foreign transaction fees on purchases made in other currencies—including those made online.
In addition to its global savings, the card offers 1% cash back on all eligible purchases. There’s no cap on the cash back you can earn, so your rewards grow alongside your spending. Whether you’re buying groceries, gas, or a new pair of shoes overseas, every eligible dollar you spend earns rewards.
Cardholders also benefit from security and convenience features like Visa’s Zero Liability policy, which protects against fraudulent charges, and Purchase Security insurance that covers eligible items for up to 90 days. The card works with all major digital wallets—Apple Pay, Google Pay, and Samsung Pay—making mobile payments easy and secure.
Another noteworthy point is that the Home Trust Preferred Visa does not charge an annual fee. That means every feature—foreign fee exemption, cashback rewards, and purchase protection—comes at no cost to the cardholder. It’s a clean, simple way to manage your money and earn back while you spend.
Qualification requirements
To apply for the Home Trust Preferred Visa, you must be a Canadian resident outside of Quebec. Unfortunately, the card is not available to Quebec residents due to local regulatory differences. Applicants must be of the age of majority in their province or territory and provide accurate personal information including contact details, income information, and financial history.
As with any credit card, a good credit score improves your chances of approval. While Home Trust does not disclose a specific score threshold, applicants with stable income and responsible credit history typically have better outcomes. Since this is an unsecured credit card, your creditworthiness plays a key role in the approval process.
Applicants also need to submit valid identification and pass a standard credit check during the application process. Once approved, cardholders gain access to a secure online portal to manage their account and make payments, making it easy to stay on top of balances and cashback earnings.
Benefits and advantages
The Home Trust Preferred Visa offers a wide range of practical and financial perks, especially for those who shop in foreign currencies or travel frequently. Here are its main benefits:
- No foreign transaction fees
Use your card abroad or on international websites without paying the typical 2.5%–3% currency conversion surcharge. Save more every time you travel or shop in another currency. - 1% unlimited cash back
Earn 1% cash back on all eligible purchases with no limit to how much you can earn annually. It’s a simple, flat-rate rewards program that pays you back. - No annual fee
You get access to all of the card’s benefits without paying any yearly fee. This makes it one of the most budget-friendly options in the market. - Visa Zero Liability protection
Stay protected from fraud with Visa’s Zero Liability policy, which ensures you won’t be responsible for unauthorized charges made with your card. - Purchase Security insurance
Purchases made with your card are covered against damage or theft for 90 days from the date of purchase, giving you peace of mind with every buy. - Worldwide acceptance
The card is accepted in over 200 countries and territories, making it easy to use almost anywhere in the world, both online and in-store. - Digital wallet compatibility
Add your card to Apple Pay, Google Pay, or Samsung Pay for fast and secure mobile payments wherever contactless technology is supported. - Guaranteed hotel reservations
Enjoy the convenience of guaranteed hotel bookings worldwide, even if you arrive late. This feature can be a lifesaver during hectic travel plans. - Online account management
Access your balance, view transactions, and pay bills through the Home Trust Visa Online portal—available 24/7 for easy account management. - Simple, transparent rewards
Unlike many cards with rotating categories or tiered systems, this card offers a straightforward 1% cash back rate on all eligible purchases.
How to apply for the Home Trust Preferred Visa
Applying for the Home Trust Preferred Visa is easy and can be done entirely online. Simply visit the Home Trust website and click on “Apply Now” under the Preferred Visa card section. You’ll be asked to fill out an application form that includes your name, contact information, residential address, employment and income details, and consent for a credit check.
As part of the application process, Home Trust will assess your credit history to determine your eligibility. While there’s no disclosed minimum credit score requirement, applicants with good to excellent credit tend to have higher approval chances. You’ll also need to confirm that you are not a resident of Quebec, as the card is currently unavailable in that province.
Once your application is submitted, you’ll receive a confirmation and may be contacted if additional documentation is needed. If approved, your card will be mailed to your address within a few business days. After activating your card, you can begin using it immediately to earn 1% cash back on purchases and enjoy fee-free spending internationally.
Managing your card is simple with the Home Trust Visa Online portal, which lets you check your balance, monitor your transactions, and pay bills anytime, from anywhere in the world. You can also add the card to your mobile wallet for contactless payments in stores.