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Are you considering applying for the Home Trust Preferred Visa Card? Before you do, it`s important to understand the cardholder agreement that comes with it. Here`s a breakdown of what you need to know:

Annual Fee: The Home Trust Preferred Visa Card has no annual fee, making it an affordable choice for those looking for a credit card without any hidden costs.

Interest Rates: The interest rate on purchases is 19.99%, while the interest rate on cash advances is 19.99% as well. These rates are subject to change if the prime rate changes.

Foreign Transaction Fees: Home Trust does not charge any foreign transaction fees, which makes this credit card an attractive option for frequent travelers who want to avoid additional charges.

Grace Period: The grace period on the Home Trust Preferred Visa Card is 21 days. This means that you have 21 days after your statement date to pay your balance in full without incurring any interest charges.

Credit Limit: Your credit limit will be determined based on your creditworthiness and income. This information will be provided to you when you are approved for the card.

Fraud Protection: Home Trust has a comprehensive fraud protection program that includes monitoring your account for suspicious activity and contacting you if necessary.

Rewards Program: The Home Trust Preferred Visa Card offers 1% cash back on all purchases, making it a great choice for those who want to earn rewards without having to keep track of different categories.

Overall, the Home Trust Preferred Visa Card offers a lot of benefits without any hidden fees or charges. The cardholder agreement is straightforward and easy to understand, which is always a plus. If you`re looking for a credit card that offers rewards and has no annual fee, the Home Trust Preferred Visa Card is definitely worth considering.