Home Trust · Visa · Cash back
Reviewed 2026-07-06 · By The Points Standard editorial team
Home Trust Preferred Visa
A narrow but real niche winner: the only genuinely free, no-FX card in Canada. Skip it for domestic spend, keep it in the wallet for anything priced in USD.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.48/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | None |
| Welcome bonus | None — the card's case is its ongoing rate structure, not a signup bonus |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $180 |
Earn rates
| All purchases | 1% |
Why it earns its score
- No foreign transaction fees on a genuinely no-fee card — rare pairing
- No minimum income requirement, easier approval than bank premium cards
- Flat 1% with no categories to track
Where it loses points
- No welcome bonus at all
- 1% flat is unremarkable next to category cash-back cards
- No travel insurance or purchase protection extras
Who it's for
Frequent US/international spenders who want to skip both the annual fee and the 2.5% FX markup on a simple card.
Who should skip it
You spend mostly in CAD — a category cash-back card earns more for the same $0 fee.
Included insurance
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.