Visa Signature Black Credit card

Earn rewards and save
money while you create a
U.S. credit history

When you use your prestigious Visa‡ Signature Black Credit card for purchases in the U.S., you’ll avoid foreign exchange fees and gain a number of excellent benefits. You’ll earn valuable RBC Rewards Points on U.S. purchases that can be redeemed for travel, cash back, gift cards, merchandise, and much more.

Features include:

  • No annual fee
  • Earn valuable RBC Rewards Points with every qualifying purchase. Redeem points for travel, merchandise, gifts cards, and cash back.
  • Earn 2X the Rewards Points for the first 90 days on purchases and balance transfers.1
  • Register your new card at rbcbankrewards.com for 1,000 bonus RBC Bank Rewards Points.
  • Worldwide acceptance wherever you see the Visa or NYCE logo, including ATMs
  • Credit limits starting at $5,000
  • Visa's Zero Liability Policy2 protects you from liability in the event of fraudulent use.
  • 0% introductory APR for six months on purchases and balance transfers. After the introductory period, a variable interest rate of between 11.24% and 19.99% will apply. This APR will vary with the market based on the prime rate. Additional credit card transaction fees apply as follows:

    Balance transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99) 

    Cash advances – 
    Either $5 or 3.5% of the amount of each cash advance, whichever is greater 

    Foreign transaction – 
    1.5% of the U.S. dollar amount of the foreign transaction regardless of whether the transaction is made in U.S. dollars or in a foreign currency (exception: Puerto Rico and U.S. Virgin Islands)

Your Visa Signature Black Credit card comes with Visa’s premier benefits.

  • Signature concierge service to schedule events, purchase tickets, and more
  • Lifestyle benefits, including fine dining, spa, and health club discounts
  • Travel privileges such as exclusive hotel benefits and upgrades through the Visa Signature Luxury Hotel Collection

Insurances3 and more benefits

  • Trip cancellation or interruption up to $5,000
  • Travel accident up to $500,000 and lost luggage reimbursement up to $3,000
  • Auto rental collision damage waiver
  • Roadside assistance
  • Emergency card replacement and disbursement
  • Cell phone insurance up to $200 ($50 deductible)
  • Emergency cash & card replacement
  • Purchase security up to $500 per occurrence 

Cards are subject to credit approval.
‡ All other trademarks are the property of their respective owners.
1 Offer applies to new accounts only. Product transfers are not eligible. Bonus RBC Bank Rewards points offers cannot be combined.
2 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.
3 All insurance is subject to limitations and exclusions.