Annual Fee: $020
Additional Card: $0
Purchase Rate: Low introductory APR offer
0% introductory APR for 6 months. After the introductory period, a variable interest rate of between 9.99% and 19.99% will apply. This APR will vary with the market based on the prime rate22.
Use Your Card. Earn Points. Get Free Stuff
Every time you make a purchase with your card, you automatically earn RBC Rewards point that you can redeem for travel, cash back, gift cards, merchandise and more
Pool and Transfer Points7
Get the rewards you want faster by pooling points with friends and family. You can also transfer them to your Canadian RBC Royal Bank account
So Many Rewards to Choose From!
Redeem points for gift cards at some of your favorite spots—like Amazon, Best Buy, Publix, Panera and Starbucks. You can also redeem for the latest gadgets from today’s hottest brands.
Premier Benefits From Visa
Enjoy a signature concierge service to schedule events and purchase tickets. Plus, access travel privileges such as exclusive hotel benefits and upgrades, as well as fine dining, spa and health club discounts.
Easy to Use, Easy to Pay Off
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.
A Secure Way to Pay
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.
No U.S. Credit Score or Address Required
We’ll use your Canadian credit history—and any RBC relationship you have—to qualify you for your card.
Tap and Go
Use our contactless payment feature at participating merchants – simply tap your card at checkout to complete your transaction and be on your way.
Enjoy Built-in Insurance Benefits That Protect You and Your Money
- Trip cancellation or interruption insurance up to $5,000
- Travel accident insurance up to $500,000 and lost luggage reimbursement up to $3,000
- Auto rental collision damage waiver
- Cell phone insurance up to $200 ($50 deductible)
- Purchase security up to $500 per occurrence
Plus a Few Extras that Offer Additional Benefits for Our Cardholders
- Roadside assistance
- Emergency card replacement and disbursement
- Emergency cash and card replacement