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.
No annual fee · First-year net value ≈ $180 · Cash back
Issuer hub · Updated 2026-07-12
Home Trust Credit Cards in Canada
Every Home Trust credit card we track, ranked by Standard Score — including its low-cost secured Visa for building or rebuilding a credit file.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | Home Trust Preferred Visa Home Trust | 5.5/10 | None | ≈ $180 | Cash back | See offer |
| 2 | Home Trust Secured Visa Home Trust | 3.2/10 | None | ≈ $0 | None (no rewards) | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Home Trust card, ranked
The workhorse secured card: no frills, wide approval, honest reporting. Choose the fee/rate variant to match whether you'll carry a balance, use it lightly, and graduate off it.
No annual fee · First-year net value ≈ $0 · None (no rewards)
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Home Trust card here is scored on the same Standard Score as the rest of the site — see how it’s built, or browse the full card database.