Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Up to $950 value, including up to 50,000 bonus Scene+ points*

Home Trust Preferred Visa
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no fxno feecash back

Home Trust Preferred Visa

3.8
  • 1% all eligible purchases — No annual cap; foreign-currency transactions, cash advances and fees do not earn cash back
Annual fee
No annual fee
Interest rates

Purchases

21.99%

Cash advances

21.99%

Foreign transactions
No FX fee

Rated by the CreditCardGuru Editorial Team

A classic free no-FX card: you save 2.5% on every foreign purchase and still earn 1% at home. Spartan insurance and the Quebec exclusion are the trade-offs.

At a glance

Annual fee
No annual fee
Foreign tx fee
None
Network
VISA
Rewards
cash back
Purchase APR
21.99%

Rewards & earn rates

All eligible purchasesNo annual cap; foreign-currency transactions, cash advances and fees do not earn cash back1%

Pros & cons

Pros

  • One of the only no-fee cards in Canada with 0% FX fees
  • Uncapped 1% cash back with a very low $15,000 income requirement

Cons

  • Foreign-currency purchases don't earn cash back
  • Cash back paid only once a year as a January statement credit
  • Not available to Quebec residents

Perks & insurance

Key perks

  • No foreign exchange fees on foreign currency purchases, including online
  • 1% cash back on all eligible purchases with no cap
  • Visa Zero Liability fraud protection
  • Guaranteed hotel reservations worldwide
  • Digital wallet support (Apple Pay, Google Pay, Samsung Pay)

Insurance

  • Purchase Security insurance (theft or damage, 90 days from purchase)

Rates & fees

Annual fee
None
Purchase interest
21.99%
Cash advance
21.99%
Foreign transactions
No fee
Min. personal income
$15,000
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Home Trust can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Home Trust's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Home Trust's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Home Trust. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

  • 200+ Canadian cards tracked
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Cite this page

“Home Trust Preferred Visa Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/home-trust-preferred-visa, updated June 7, 2026.

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