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Choose the Right Credit Card for Your U.S. Purchases

Compare the features and benefits of U.S. RBC Bank Visa‡ credit cards, as well those of the Royal Bank of Canada U.S. Dollar Visa‡ Gold and choose the one that's best for you!

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Signature Black
Signature Black Plus
Platinum
U.S. Gold Card (Canada)
Offered by: RBC Bank RBC Bank RBC Bank RBC Royal Bank

Rewards

Reward Earn Rate 1 point / $1 spend 1.5 points/ $1 spend 1 point/ $1 spend 1 point/ $1 spend
Reward Introductory Bonus Double Points first 90 days Double Points first 90 days N/A N/A
Merchandise Rewards YES YES YES YES
Travel Rewards YES YES YES YES
Gift Cards YES YES YES YES
Cash Back YES YES YES NO

Insurances

Trip Cancellation / Interruption Up to $5000 Up to $5000 NO Up to $2500
Travel Accident Insurance $500,000 $500,000 $250,000 $500,000
Lost Luggage Reimbursement Up to $3000 Up to $3000 NO YES
Purchase Security Up to $500/ per claim Up to $500/ per claim NO Up to $500/ per claim
Cell Phone Protection Up to $200 Up to $200 NO NO
Auto Rental Collision Damage Waiver YES YES YES YES
Warranty Manager YES YES YES YES
Emergency Cash & Card Replacement YES YES YES YES

Other Benefits

Annual Summary Statement YES YES NO NO
Visa Signature Perks YES YES NO NO
24/7 Concierge Service YES YES NO NO
Zero Cardholder Liability YES YES YES YES
Travel & Emergency Assistance YES YES YES NO
Roadside Assistance YES YES YES NO

Interest Rates & Charges

APRs:

       
Introductory Rate 0% 0% 0% N/A
Introductory Period 6 months 6 months 6 months N/A
Purchase 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 21 21 21

Transaction Fees:

       
Balance Transfer1 $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 1.50% 1.50% 3.00% 2.50%

Penalty Fees:

       
Late Payment $35 $35 $35 N/A
Returned Payment $35 $35 $35 $40

Credit Card Disclosures and Cardholder Agreement

 

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‡ All other trademarks are the property of their respective owners.

1The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer