The Home Trust Preferred Visa Card allows its holders to earn 1% cashback on all purchases, with no limits to total rewards and no restrictions on where rewards can be earned. This card comes at no annual fee and with additional benefits like roadside assistance, purchase security and auto rental collision insurance. On top of those benefits this card does not charge a fee for foreign currency exchange, so if you travel that could be particularly interesting, but with no fees and cash back on every purchase you make this card could fit into anyone’s life seamlessly.

As per our rating system, this card scored 19/25 on rewards, 17/25 on interest rates and balance transfers, 10/25 on perks and insurance, and 25/25 on annual fees. Therefore, the total smart score of this card is 71/100.