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Home Trust Preferred Visa Card Review

It's not your run-of-the-mill credit card—it's a treasure trove of benefits and practicality that will pleasantly surprise you.

Home Trust Preferred Visa
Source: Home Trust Preferred Visa

Prepare to immerse yourself in the epitome of credit card convenience with the Home Trust Preferred Visa! Imagine cash back rewards and no annual fee seamlessly intertwining to elevate your spending game.

But hold on, there’s more! For all you jet-setters and online shoppers out there, this card brings additional savings for your international escapades and foreign currency indulgences. Bid farewell to pesky foreign transaction fees—this card stands among Canada’s elite few that waive them!

Home Trust Preferred Visa
Home Trust Preferred Visa
CashBack Rewards No annual fee
Get the benefits you prefer, with no fees

Earning Rewards

With this remarkable card, you’ll earn a remarkable 1% cash back on all eligible purchases made in Canada, and the cherry on top? There are no limits on cash back earnings! It’s akin to having your personal perpetual reward system, allowing you to optimize your savings with every transaction.

Whether you’re stocking up on essentials or indulging in a treat, the Home Trust Visa has got your back, rewarding you for every dollar spent. Say hello to boundless rewards and bid adieu to constraints with the Home Trust Visa—your gateway to a realm of savings and opportunities!

Redeeming Rewards

Redeeming your cash back rewards with the Home Trust Visa is a breeze! You can select how you wish to redeem your cash back rewards:

  • offsetting your balance with a statement credit
  • depositing rewards into your bank account
  • opting for gift cards
  • choosing merchandise from select retailers

With flexible redemption options, you have the freedom to choose the method that aligns with your preferences and financial objectives. It’s as easy as that—earn rewards on your purchases and redeem them your way with the Home Trust Visa!

Home Trust Preferred Visa Card benefits

No annual fee

Experience the convenience of no annual fees with the Home Trust Visa and reap the benefits of cash back rewards without any annoying extra charges. It’s like being rewarded just for conducting your business—as rare as finding a gem in the sand!

No Foreign Transaction Fees

Enjoy the freedom to explore the world without worrying about foreign transaction fees. With a 0% foreign transaction fee, the Home Trust Visa is your perfect companion for international travel, whether it’s for business or leisure. Shop, dine, and discover with confidence, knowing there are no additional fees hindering your adventures!

Purchase Protection

Whether you’re indulging in the latest gadgets or updating your wardrobe, rest easy knowing that the Home Trust Visa has you covered. With purchase protection, eligible purchases are safeguarded against theft, loss, or damage for up to 90 days from the purchase date.

Extended Warranty

With the Home Trust Visa, your purchases come with an extended warranty, doubling the original manufacturer’s warranty for an additional year. Shop confidently, knowing that your purchases are protected for longer.

No Expiring Rewards

Bid farewell to expiring rewards! Unlike some credit cards, the Home Trust Visa ensures that your hard-earned rewards stay with you indefinitely. Enjoy the flexibility to use your rewards whenever it’s most convenient for you.

No Caps

Unlock unlimited earning potential with the Home Trust Visa. There are no limits to your cash back rewards, allowing you to earn as much as you want, whenever you want. Whether it’s everyday purchases or special indulgences, rest assured that every dollar spent earns you cash back rewards without restrictions.

Online Account Management

Manage your account with ease using convenient online tools. From viewing transactions to making payments and tracking cash back rewards, enjoy seamless account management at your fingertips.

Mobile Device Insurance

Receive coverage for theft or accidental damage to your mobile device when you pay your monthly mobile bill with the Home Trust Visa. Travel worry-free knowing that your device is protected against unexpected mishaps.

Who can apply?

Home Trust Preferred Visa
Source: Home Trust Preferred Visa

To qualify for the Home Trust Visa, applicants must meet certain criteria, including being Canadian residents, of legal age in their province or territory, and maintaining a minimum credit score of 660. Please note that this card is not available in Quebec. Additionally, applicants should have a steady source of income to be eligible for approval.

Whether you’re someone who travels often, enjoys shopping online, or simply wants a dependable cash back credit card, the Home Trust Visa is an excellent choice. It offers the opportunity to maximize rewards without the burden of annual fees or foreign transaction fees.

How to apply?

Applying for a Home Trust Preferred Visa Card is easier than you think:

  1. Go to the Home Trust website and look for Home Trust Preferred Visa Card
  2. Click on Apply Now
  3. Read Terms and Conditions
  4. Fill your personal and financial details
  5. Submit your application

Frequently asked questions

Does the Home Trust Visa offer any additional insurance coverage?

Yes, the Home Trust Visa provides additional insurance coverage, including extended warranty protection, purchase protection, travel insurance, mobile device insurance, and roadside assistance.

Can I manage my Home Trust Visa account online?

Yes, you can manage your Home Trust Visa account online through the card issuer’s website or mobile app. 

Is there a minimum income requirement to qualify for the Home Trust Visa?

While there is no specific minimum income requirement listed for the Home Trust Visa, applicants should have a steady source of income to qualify for the card. 

What should I do if my Home Trust Visa is lost or stolen?

If your Home Trust Visa is lost or stolen, you should report it to the card issuer immediately, by calling the customer service number on the back of your card. 

Home Trust Preferred Visa
Home Trust Preferred Visa
CashBack Rewards No annual fee
Get the benefits you prefer, with no fees

A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.