$0
Annual fee
Last updated: March 15, 2024
The Home Trust Preferred Visa Card is a basic choice for a Visa card with no annual fees and no foreign transaction fees. It would suit frequent travellers who prefer a simple wallet, keeping the same card year after year, and acceptance at a wide range of merchants globally.
Annual Fee
Free
Additional Card
Free
With no fee and no bonus, this card is pure utility for credit builders – you're not chasing upfront value, just establishing a foundation without cost or commitment.
| Category | Rate |
|---|---|
| All Purchases | 1% |
Use this exclusively for foreign currency spending where the no-FX-fee benefit outweighs the modest 1% earn rate – pair it with a stronger domestic card for Canadian purchases.
Apply earnings as a statement credit anytime with no minimum – immediate liquidity without redemption complexity or waiting periods.
No foreign transaction fees
GeneralBeyond the no-FX headline, purchase protection adds a practical safety net for electronics or luggage bought before a trip – review the coverage window and limits to know exactly what's covered when you're gearing up for departure.
Underwritten by Chubb Insurance Company of Canada
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car (CDW/LDW) | Not included | — |
| Purchase Protection | Included | 90-day coverage |
View Certificate of Insurance (PDF)
Coverage is minimal – basic purchase protection only, with no travel insurance of any kind. You'll need supplemental coverage or a second card for trips.
Last updated: March 15, 2024
