Annual Fee: $75

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 12.24% and 22.24% will apply. This APR will vary with the market based on the prime rate22.

Card Details

  • Make your transaction in U.S. dollar and avoid daily currency fluctuations
  • Earn 1.5 RBC Rewards point for every $1 spent on your card6
  • Redeem your RBC Rewards points for 1.25% cash back24
  • Enjoy built-in travel insurance9 benefits

Rewards

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.

More Features

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.

Insurance9

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

Extras

Plus a Few Extras That Offer Additional Benefits for Our Cardholders

  • Roadside assistance
  • Emergency card replacement and disbursement
  • Emergency cash and card replacement