For the trouble of doing this, many providers charge a foreign transaction fee (usually 2.5%) in addition to the spot rate. When you're travelling abroad, every transaction you make with your credit card has to be converted from the country's currency to Canadian dollars before appearing as a charge on your statement. It’s also worth noting that the card is limited to 10 authorized transactions per day – which is something we point out in our full review of the Home Trust Preferred Visa. The downside is that this card is not available to residents of Quebec. Additional perks: Take advantage of a number of other perks, including car rental insurance and Visa Zero Liability coverage to help ensure you are protected against potential fraudulent activities.Cash back earnings: Earn 1% cash back on all Canadian purchases, providing consistent rewards.No annual fee: Enjoy the card's travel benefits without an annual fee however, it is important to note that the card has an inactivity fee (if you don’t use the card to make at least one purchase during a consecutive 12-month period, you’ll be charged $12).No foreign transaction fees: Save 2.5% on all non-Canadian currency purchases.With no annual fee and the added perk of earning 1% cash back on all your spending in Canada without any limits or caps, this card benefits you in many ways. The Home Trust Preferred Visa not only saves you from foreign transaction fees but also offers several additional advantages. Exclusive offers: Enjoy 25% off car rentals at participating Avis locations – a perk that is offered to all Scotiabank credit card holders.Flexible redemption: Enjoy flexible point redemption including flight purchases on any airline with no blackout dates. ![]() Competitive reward program: Earn 3 Scotia points per $1 at participating grocery stores like Sobey's, IGA, and Freshco (among others), 2 Scotia points per $1 spent on groceries, restaurants, entertainment, and daily transit (including taxis), and 1 point per $1 on everything else.Robust travel insurance: Benefit from a strong travel insurance package to enhance your travel experience. ![]()
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