Home Trust Preferred Visa Card

A great differentiator with other no annual credit cards is Roadside Assistance included at no extra cost?which is amazing. In addition, they also offer purchase and Auto Rental Collision Insurance.

No Foreign Exchange Conversion Fee

Whether you're travelling abroad or buying something online, rest assured when using your Home Trust Preferred Visa Card, you'll never be charged a foreign exchange conversion fee.

• • No limits on how much in CashBack Rewards¹ you can earn.
  • No restrictions on where you can earn CashBack Rewards get 1% CashBack on all your purchases, all the time, so your rewards can add up fast.
  • You need not do anything to collect your rewards because we automatically credit the total CashBack balance you've earned to your Visa account, every January

The Home Trust Preferred Visa Card is an excellent credit card for those who would like to save on foreign transactions fees and take advantage of the free roadside assistance.

The Home Trust Preferred Visa provides 1% cash back rate along with its no foreign transaction fees which is excellent for travelers. In fact, cardholders will be saving 2.5% fees on purchases made outside Canada or in a foreign currency.

The combination of these 2 features make this card a great card to have, especially when there is no annual fee.

One of the most attractive features of the Home Trust Preferred Visa is the cash back rewards. Cash can be earned on all purchases and there is no limit on how much cash you can earn. Your rewards are deposited directly into your bank account making the earnings super easy to obtain!

 

In addition to the lucrative cash back rewards, there is no annual fee for this card. There are also secondary benefits that card holders are eligible for including no foreign exchange fees, roadside assistance, protection against fraud, auto rental insurance for post collision driving and purchase security.

 

The most notable of this list is the lack of foreign exchange fees. If you’re an avid traveler and want to save while abroad, the Home Trust Preferred Visa is an excellent choice. Foreign transaction fees might seem like nothing, but they add up, especially when you factor in foreign exchange rates. Another notable feature is the roadside assistance benefit. Cardholders are allowed four roadside services per year free of charge anywhere in North America. Talk about service!

 

Not only is the Home Trust Preferred Visa great from a financial aspect, the bank itself has stellar ideals and makes it their mission to cater to their customers. They aim to provide financial services to individuals who don’t have a typical credit background and can’t reach their financial goals with traditional banks. Needless to say, Home Trust does their best to help their customers achieve their goals, no matter what situation they’re in.

 

There are some drawbacks to using this credit card and working with Home Trust. For one, this card is not accessible in Quebec. In addition, the amount of transactions the cardholder can incur per day is ten. Most credit card users won’t exceed this limit, but it’s a hassle to always have it on your mind. The card also does not allow for tap payments and customer service is not available 24/7, only during business hours.

 

Overall, the Home Trust Preferred Visa is a phenomenal choice. If you’re an individual who travels a lot, this card is especially beneficial considering how rare no foreign transaction fees are in combination with no annual fee. Home Trust is a small, yet effective, bank that delivers to their customers. Get yours today!

This credit card has a close cousin which is the Home Trust Secured Visa.To get more information read our review on the Home Trust Secured Visa.