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RBC VISA Sig RBC for marketing L

Visa Signature Black

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Visa Signature Black Plus

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RBC Platinum Rewards Visa E HR

Visa Platinum

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U.S. Gold Card (Canada)

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Issued by RBC Bank RBC Bank RBC Bank RBC Royal Bank™

Rewards points1

1 point / $1 spent 1.5 points / $1 spent 1 point / $1 spent 1 point / $1 spent

Introductory Rewards bonus points

Double points
first 90 days
Double points
first 90 days
3,500 bonus points
with first purchase
Merchandise, travel, gift card rewards

Cash back

Insurance2

Trip cancellation or interruption

Up to $5,000 Up to $5,000 Up to $2,500
Travel accident $500,000 $500,000 $250,000 $500,000

Lost luggage reimbursement

Up to $3,000 Up to $3,000

Purchase security

Up to $500 per claim Up to $500 per claim Up to $500 per claim

Cell phone protection

Up to $200 Up to $200

Emergency cash & card replacement

Auto rental collision damage waiver

Warranty manager

More Benefits

Annual summary statement

Visa‡ Signature perks

24/7 concierge service

Visa's Zero Liability3

Travel & emergency assistance

Roadside assistance

Interest Rates & Charges

APRs:

Introductory

0% first 6 months 0% first 6 months 0% first 6 months N/A

Purchase range APR after introductory period4

11.24%–19.99% 11.24%–19.99% 9.99%–19.99% 19.99%

Cash

19.99% 19.99% 19.99% 21.99%

Minimum interest

$1 $1 $1 N/A

Fees

Annual fee

$0 $75 $0 $65

Additional card fee

$0 $0 $0 $30

Grace period

21 days 21 days 21 days 21 days

Transaction Fees

Balance transfer5

$10 or 3% (max $99) $10 or 3% (max $99) $10 or 3% (max $99) 1%

Cash Advance

$5 or 3.5% $5 or 3.5% $5 or 3.5% $3.50

Foreign exchange

1.5% 1.5% 3% 2.5%

Penalty Fees

Late payment

$35 $35 $35 N/A
Returned payment $35 $35 $35 $40

For more information about earning, pooling, transferring points and more, please refer to the RBC Rewards Program Rules Terms & Conditions.

Credit Card Disclosures and Cardholder Agreement

Cards are subject to credit approval.
‡ All other trademarks are the property of their respective owners.
1 Points are not earned on balance transfers and cash advances.
2 All insurance is subject to limitations and exclusions.
Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.
4 This APR will vary with market, based on the prime rate.
5 The balance transfer fee has no maximum during the introductory period (first six monthly billing cycles). Thereafter, this fee will be a maximum of $99 per balance transfer.