wealthgeist
Home Trust CashBack Rewards · Visa
Home Trust Preferred Visa
Cash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- Foreign transaction fee
- 0%
- Purchase APR
- 21.99%
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.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Eligible Canadian purchases
- 1% cash back
- Foreign currency purchases (0% cash back with no foreign exchange fee)
- 0% cash back
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
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
- Purchase interest rate
- 21.99%
- Cash advance interest rate
- 21.99%
- Foreign transaction fee
- 0%
Who can apply?
Permanent Canadian resident; not available to Quebec residents.
Age of majority in your province or territory.
Annual income of at least $15,000. Application requires at least two years since bankruptcy discharge. Approval is not guaranteed.
- Personal income
- $15,000
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Things to know
Cash back is credited in January for the previous year; the account must be open and in good standing. Purchases from foreign merchants earn no cash back even if billed in CAD.
More fees and conditions
At least 21 days on new purchases when the statement balance is paid in full; no interest-free period for cash advances or balance transfers.
Greater of $10 or 3% of the statement balance.
Overlimit $29; dishonoured payment $45; inactivity $12 after 12 months without a debit or credit transaction; statement copies $5; rush replacement $39. Taxes may apply.
Canadian ATM: 1%, minimum $2.50, maximum $10. US ATM: 1.5%, minimum $4.50, maximum $15. Other countries: 1.5%, minimum $5.50, maximum $15. ATM-operator charges may also apply.
Cash advances up to 20% of the credit limit, subject to fees.
Confirm supplementary-card charges in the issuer disclosure before adding an authorized user.
Convenience cheque $10; convenience-cheque copy $5. No introductory bonus is included in estimates.
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Apple Pay, Google Pay and Samsung Pay; Visa Zero Liability conditions apply
Insurance & purchase protection
Coverage has eligibility rules, limits and exclusions. The insurance certificate controls.
Purchase protection
Purchase security: eligible new items covered for theft or damage for 90 days, up to $5,000 per cardholder per occurrence; exclusions and claim conditions apply
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Home Trust Preferred 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 0%. 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