![]() The Scotiabank Gold AMEX also gives you six rewards points for every dollar spent at participating grocery stores (like Sobey's, IGA, Freshco, and more), five points for every dollar spent on eligible grocery stores, restaurants, fast food, and drinking establishments, three points for every dollar on transit purchases, and one point on everything else.Īdditionally, this card comes with top-notch travel insurance benefits, which means it would also make a great choice for an all-in-one travel card. Plus, it has a generous welcome offer allowing new users to earn up to $650 in value in the first 12 months, including up to 40,000 bonus Scene+ points. Scotiabank added a second no foreign transaction fee card in its roster of travel credit cards in 2019, as the Scotiabank Gold American Express now no longer charges a 2.5% fee for purchases made in non-Canadian currencies. Just make sure to charge a purchase to the card at least once per year – even if it’s just a few dollars. ![]() It’s an inconvenience for sure, but it’s easily avoidable. If you don’t use the card to make at least one purchase during a consecutive 12-month period, you’ll be charged $12. 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.įinally, while the Home Trust Preferred Visa doesn’t charge an annual fee, it does have what’s called an inactivity fee. The downside is that this card is not available to residents of Quebec. Home Trust Preferred Visa cardholders can also take advantage of a number of other perks including car rental insurance and Visa Zero Liability coverage to help ensure cardholders are protected against potential fraudulent activities. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment.Aside from being a no foreign transaction fee credit card, the Home Trust Preferred Visa also has no annual fee and comes with the additional benefit of 1% cash back on all your spending in Canada with no limits or caps.Ī true no foreign transaction fee card, Home Trust uses the exchange rate set by Visa without any additional surcharges. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. SmartPlan cancellation takes up to 2 business days. ![]() See Credit Card Terms and Conditions (PDF 273KB) for more details. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. All payments made to your credit card account will be applied first to any SmartPlan instalments. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. Note: To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan. Read the Online Banking terms and conditions (PDF 355KB) available at . The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. You need to register for Online Banking before you can set up a SmartPlan. 1 SmartPlan: SmartPlan is currently available for eligible Westpac consumer credit cards.
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