wealthgeist
None/minimal · Visa
Home Trust Equityline Visa
Cash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
Free · No account needed
Card details reviewed
You prefer cash back and spend at merchants that qualify for the listed rates.
A different card may earn more at your usual stores. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Compare verified cardsAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
Check the issuer’s current rewards terms. We don’t have a verified rate to show here yet.
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
No rewards program
This card does not earn points or cash back. Borrowing offers are not included in the reward estimate.
Welcome offer
We haven’t included a verified welcome offer in this estimate. That doesn’t mean no promotion is available. Check the issuer’s current offer and eligibility conditions.
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
Who can apply?
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Check the issuer’s benefit guide for the full list.
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Home Trust Equityline Visa worth the annual fee?
There’s no annual fee, but another card may reward your spending more. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare