U.S. Credit Cards for Canadians - RBC Bank

Why Canadians love Our U.S. Credit Cards

A U.S. credit card from RBC Bank offers the protection, travel perks and convenience you deserve.

  • Stop Paying an Extra 2.5%
    Save $25 for every $1,000 you spend. Our cards don’t charge a 2.5% foreign transaction fee on U.S. purchases
  • No U.S. Credit History?
    No problem! We’ll use your Canadian credit history when considering your application.
  • The Rewards You Want
    Earn RBC Rewards and redeem points for cash back, travel, gift cards and more.
  • Avoid Carrying Cash
    Our cards offer built-in, high-tech security, making them safer than paying with cash.

U.S. Credit Cards

Visa Signature Black

Visa Signature Black credit card image
1 Rewards Point

For Every $1 Spent6


Annual Fee20

Note: To easily pay for your U.S. credit card bill online, you must open, or already have an RBC Bank U.S. bank account. Apply for both.

Visa Signature Black Plus

Visa Signature Black credit card image
1.5 Rewards Points

For Every $1 Spent6


Annual Fee

  • Redeem points for travel, gift cards or 1.25% cash back24
  • Enjoy exclusive premier concierge and travel privileges
  • Avoid currency fluctuations for U.S. dollar transactions

Note: To easily pay for your U.S. credit card bill online, you must open, or already have an RBC Bank U.S. bank account. Apply for both.

Other Ways to Apply

Still Not Sure?

See how Canadian and U.S. credit cards stack up.

Enjoy These Benefits and More

Your RBC Bank credit card comes with valuable travel insurance9 that protects you from the unexpected. You also get protection for your purchases and rental vehicle. Take a look at all the coverage that comes with a Visa Signature Black and Signature Black Plus card.

You’re in the U.S. to have a great time, but if an accident or emergency happens, we’ve got you covered with extensive travel and emergency services23. We’ll help you contact loved ones, a doctor or even a lawyer, and get you where you need to go in a hurry.

Use your RBC Bank credit card anywhere Visa is accepted—in-store, online and over the phone. And pay your credit card bill by just clicking the “Pay Now” button in Online Banking. Sound simple? It is.

We solve the chicken-and-egg conundrum by using your Canadian credit history when considering your credit card application. You can then use your new card in conjunction with a U.S. address to help build your U.S. credit history, making it easier to qualify for a U.S. loan, line of credit or mortgage8 in the future.

Chip technology is embedded into your RBC Bank credit card, which means you’re protected by several layers of fraud prevention technology. And if something goes wrong? You’re protected by Visa’s Zero Liability10—there’s no personal liability in the event of fraudulent use when you sign for purchases.

Use RBC Rewards on Both Sides of the Border

Enjoy the rewards you want—like gift cards to your favorite restaurant or store, travel to the places you want to go, or cash back to pay your bills.

Cash Back Your Way

Get cash back and choose how you reward yourself. Pay your bill, boost your bank account, or treat yourself to something new.

Gift Cards You'll Love

Redeem points for gift cards at some of your favorite spots—like Amazon, Best Buy, Publix, Panera and Starbucks.

Book Travel on Your Terms

Use your points to pay for flights, hotels, car rentals and more. Plus, there's no blackout dates or seat restrictions when you fly on points.

High-end Merchandise

Redeem points for the latest gadgets and gear from the hottest brands around.

E-certificates to Keep or Share

Download e-certificates at some of the country's most popular online retailers. A great gift idea (or nice splurge for yourself).

Pool and Transfer Points7

Get the rewards you want faster. Pool points with friends and family, or transfer7 them to your Canadian RBC Royal Bank Rewards account.