This card offers a range of additional advantages that further differentiate it. It is one of the few Canadian credit cards that offer this unique combination of benefits without annual fees.

With the Home Trust Preferred Visa credit card, the cardholder earns cash back on all their purchases and also enjoys the best savings.



Interested in learning more relevant information about it? Keep reading to know everything about the Home Trust card.

Who is the Home Trust Preferred Visa Credit Card for?

It is especially attractive to those looking for a card with unlimited cashback benefits and no annual fee.

However, being a card filled with benefits, it can be advantageous for various customer profiles, meaning there is no specific target audience for it.

What is the credit card limit?

The credit limit of the Home Trust Preferred Visa card can vary according to several factors related to the customer. These include credit history, salary, financial obligations, and other criteria determined by Home Trust Bank.

Normally, this initial credit limit is set based on these pieces of information and can be adjusted over time. This will depend on the spending behavior and the cardholder’s relationship with the bank.

To get accurate information about the credit limit available to a customer, it is recommended to contact the bank directly for a personalized and detailed assessment.

How to increase the card limit

In addition to common credit management practices, such as timely payment and responsible card use, there are some other points that can help increase your credit card limit:

Show stability

If you have a stable job, prolonged residence time, or a healthy bank account, this can be an indicator of financial stability.

Make a security deposit

In some cases, especially for secured cards, you may be able to increase your credit card limit by making an additional deposit as security.

Request automatic increase

Some financial institutions offer automatic increases over time, especially if the consumer maintains a good payment history and a good relationship with the bank.

Reduce your credit utilization rate

If you are using a large portion of your current credit limit, try to reduce this rate by paying more of the balance or requesting a limit increase to reduce this credit utilization ratio.

Keep your credit history positive

If there are negative points on your credit report, such as late payments or accounts in collection, focus on resolving and clearing your credit history.

Additional card

If you have a spouse or reliable partner with good credit, adding this person as an authorized user to your card can assist in increasing the credit limit.

Benefits of the credit card

Clearly, the benefits of Home Trust are a significant advantage for those who opt to apply for it, and some benefits stand out for those seeking savings, among them:

Exemption from exchange fees

This international credit card is one of the best options available, after all, it does not charge exchange fees on foreign currency transactions, including online purchases.

While several other cards charge a 3% fee on transactions, this particular card leaves the Home Trust Preferred Visa credit card customer free from these fees.

Earn cash back on your purchases

The earnings of 1% cashback on all qualified purchases are guaranteed and without limit, meaning your money goes further on your daily purchases.

You decide how to use these funds: save for an adventure, home projects, or reduce the balance.

Free annual fee

The applicant can enjoy all the benefits and valuable features of the Home Trust Preferred Visa credit card without needing to pay an annual fee.

Enjoying all the preferential benefits without additional worries, whether at home or on your travels.

Main details of the card

Here they are:

  • Brand: Visa;
  • Type: International;
  • Initial limit: Adjustable;
  • Annual fee: Free;
  • Rotating interest: 21.99%
  • Accepts negative credit: No.

Documents required to apply

It’s important to be prepared with the necessary documents and information to facilitate the process. To start the application, you will need to fill out an application form at Home Trust Bank.

This form will ask for a variety of personal information, including name, address, date of birth, and a valid identification number, such as a driver’s license or passport, to verify your identity.

It will also be important to provide proof of income, such as pay stubs or bank statements, to demonstrate your payment capacity.

A proof of residence will also be requested by the institution, typically a utility bill, such as electricity, water, telephone, or gas.

It is important to be aware that the bank will likely perform a check on your credit history as part of the application process.

How to contact Home Trust Preferred Visa Card

To ask questions or request services, contact through the following customer service channels:

  • Contact phone: 1-877-903-2133 or 416-775-5000;
  • Fax: 1-888-470-2092 or 416-363-7611;
  • Visa Customer Service: 1-888-281-7793;
  • In case of theft or loss: Tel: 1-866-839-3485;
  • To activate your card: Tel: 1-866-333-4786;
  • Loans: 1-877-903-2133 or 416-775-5000.

How to apply for the credit card?

Follow the instructions on how to apply for the Home Trust Preferred Visa Credit Card:

  • Visit the official Home Trust Bank website;
  • Find the credit card section;
  • Select the Home Trust Preferred Visa;
  • Read all terms and conditions;
  • Fill out the bank’s application form;
  • Send additional documents, if necessary;
  • Submit your application;
  • Wait for the review and response from the institution;
  • Receive the credit card at your address.

Fees and charges

Knowing the card’s fees is one of the first steps before applying for it:

  • Annual fee: Free;
  • Purchase APR: 21.99%;
  • Cash advance APR: 21.99%;
  • Balance transfer fee: 21.99%.

About the bank

Home Trust Bank is more than just a financial institution; it is essential and dedicated to offering banking services that add values.

The bank’s commitment becomes explicit when the customer has access to banking services driven by a talented team fully focused on providing good customer service.

Home Trust Bank’s commitment to consumers goes beyond the traditional. All of this is of great value in helping the consumer achieve their financial goals, both now and in the future.


By getting the Home Trust Preferred Visa credit card, the cardholder gains an excellent combination of financial benefits and convenience.

With unlimited cashback, no annual fee, and a zero liability policy, this card provides the customer with a sure way to save money and simplify transactions.

Take advantage and share this article with friends and family, maybe the Home Trust Preferred is the solution for them too!