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Business Credit Cards

 

Streamline accounting and protect your purchases with the Visa* Business Platinum Credit card to give you the freedom and flexibility you need to improve cash flow and cut check writing costs.

Whether you plan to use a credit card for major purchases, everyday convenience or just for emergencies, we have a card that meets your needs.

RBC Bank Visa Business Platinum Credit cards come with our RBC Rewards program, which lets you earn points toward free flights, hotel stays, gift cards and more. With easy access to all of your transaction information through Online Banking, you can use your card with confidence. You can earn points faster, combine points, enjoy travel with no restrictions and more! Every purchase brings you closer to great rewards when you use an RBC Bank Business Platinum Credit card. From gasoline fill-ups to office equipment and Internet service, every purchase dollar you spend using your card means more points toward valuable rewards.1

There are hundreds of ways to reward yourself: enjoy great shopping, terrific dining, exciting adventures and more. Rewards include: free flights, hotel stays, gift cards to national retailers and restaurant chains, cruises, vacation packages and weekend getaways and car rental certificates (some restrictions may apply).

The RBC Bank Platinum Rewards Credit card program is FREE, but if you want to earn rewards even faster, apply for the RBC Bank Platinum Rewards Plus Credit card for a low annual program fee of $55 to earn 50% more points with every purchase.

Special Offer on RBC Bank Credit Cards!

Right now, you can take advantage of this special offer on personal and business credit cards and create a quicker path to real rewards. Here’s how it works:

  • Get 3,000 Bonus RBC Rewards Points when you receive and use your new card.2
  • Add 500 More Rewards Points when you register your card with RBC Rewards

That's 3,500 Total Rewards Points - enough to redeem for a $25 gift card!

Check out the Rewards Points Calculator to see how easy it is to start earning points!

Plus, if you choose to upgrade to RBC Rewards Plus, we’ll give you another 500 points when you first use your new card, for a total of 4,000!

Already a cardholder?

Great! Be sure to register your credit card for RBC Rewards today and get 500 points for each one! Just visit www.rbcbankusaredemption.com and click the “Register Now” button.


RBC Bank Visa Business Platinum Credit cards include these convenient benefits:

  • RBC Rewards or RBC Rewards Plus
  • Receive special discounts when you use your Visa Business Platinum Credit card 
  • Free Online Banking
  • Balance transfers
  • Cash access at ATMs worldwide, anywhere Visa credit cards are accepted

Select the RBC Bank Credit Card That's Right For You

Summary of Credit Terms

Interest Rates, Interest Charges, & Fees Visa Business Platinum Rewards Visa Business Platinum Rewards Plus
Introductory Rate on Purchases and Balance Transfers A fixed introductory APR of 0%3 may apply for the first six monthly billing cycles following the date your account is established.
Annual Percentage Rate (APR) Range Upon the expiration of the introductory period (if applicable), your Annual Percentage Rate (APR) may vary monthly. The APR of interest charged on outstanding balances of purchases and balance transfers will be a range of 11.24% to 18.24% based on your creditworthiness and a variable rate in a range from Prime + 7.99% to Prime + 14.99%.4
Delinquency Rate If you fail to pay the minimum payment shown on your monthly statement by the payment due date for 3 consecutive billing cycles, the APR may vary monthly and shall be the higher of 28.99% per annum or Prime + 24.99%.5

Grace Period for Repayment of the Balance for Purchases

Your due date is at least 21 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month. There is no grace period for balance transfers or cash advances.

Method of Computing the Balance for Purchases

Average Daily Balance (Including Current Transactions).

Annual Program Fee

None $55

Minimum Finance Charge

$1.00
Transaction Fees:
  • Balance Transfer

  • Cash Advance


  • Foreign Transaction

  • Either $10 or 3% of the amount of each transfer, whichever is greater.
  • Either $5 or 3.5% of the amount of each cash advance, whichever is greater.
  • 3% 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.
Penalty Fees:
  • Over Limit
  • Late Payment
  • Returned Payment

  • $35 (if over your credit limit by $100 or greater)
  • $35
  • $35

Minimum Credit Limit

$1,000 $1,000
Other Features & Benefits Visa Business Platinum Rewards Visa Business Platinum Rewards Plus

RBC Rewards

$1 = 1 Point
3000 Welcome
Bonus Points6
N/A

RBC Rewards Plus

N/A 1 = 1.5 Points
3500 Welcome
Bonus Points6

Company Name Embossed on Card

Purchase security and extended protection

Liability waiver program

Travel Accident Insurance

Visa Assistance Center

Auto Rental Insurance

Travel & Emergency Assistance

Roadside Assistance

Emergency Card Replacement

Emergency Cash Disbursement

Free Year End Summary

 

Business Card Agreement

Visit your RBC Bank banking center to apply for a Visa Business Platinum Credit card today!

6-month Introductory Rate (APR)

A fixed introductory APR on purchases and balance transfers mayl apply for the first six monthly billing cycles following the date your account is established. Transfer balances on higher-rate cards or spread out the burden of a large purchase. Our introductory APR gives you six months to pay off purchases or transfers while paying our lowest available interest rate.

Standard Rate

The annual percentage rate of interest charged on balances carried from one month to another upon completion of the introductory period. The APR will be a range of 9.99% to 15.24% based on your creditworthiness. This APR will vary with the market based Prime Rate.

Cash Advance Rate

The annual percentage rate (APR) for all outstanding indebtedness and new balances relating to Cash Advances and Cash-like transactions may vary monthly and shall be the higher of 19.99% per annum or Prime plus 15.99%. There is no grace period for Cash Advances.

Delinquency Rate

When permitted by applicable law, the APR imposed on purchases, cash advances, and balance transfers will be increased to the Delinquency APR if we fail to receive your minimum payment shown on your monthly statement within 60 days after the due date for such payment. The Penalty APR will apply to all outstanding indebtedness and new balances for at least the next 6 months.

RBC Rewards

RBC Rewards Welcome Bonus Points awarded with your first purchase.

Year-end Summary Statement

Receive an annual summary of transaction to help with preparing taxes, consolidating expense records and budgeting for the future. Your report will organize transactions for the year in spending categories (for example airline travel, restaurants and auto expenses), and provide monthly spending subtotals.

Purchase Security and Extended Protection

Count on Purchase Security to help replace, repair or reimburse you for lost, stolen, or damaged goods purchased with your Visa Business card. Protection goes up to $10,000 per claim and $50,000 per cardholder. And, with Extended Protection on purchases such as electronics, you automatically double the time period of each original manufacturer’s written U.S. warranty up to one full year on warranties of three years or less up to a maximum of $10,000 per claim.

Liability Waiver Program

Protect your business from possible card misuse by terminated employees. Companies with two to four valid cardholder accounts are protected up to $5,000 per cardholder. Companies with five or more valid cardholder accounts are protected up to $50,000 per cardholder.

Travel Accident Insurance

Automatically receive $250,000 in travel accident insurance at no cost to you.

Roadside Assistance

Your one call for help with any roadside emergency. Our network of service providers are always standing by to get you on your way quickly and safely.

Visa Assistance Center

Your 24/7 access to card enhancement services, emergency assistance, or answers to other account-related questions.

Auto Rental Insurance

Receive 24-hour auto insurance coverage “at no additional cost” for damage due to collision or theft. Certain terms and conditions apply.

Travel & Emergency Assistance

When you don't know where else to turn, call VISA Travel & Emergency Assistance any hour of the day or night, 365 days a year. Certain terms and conditions apply.

Emergency Card Replacement

If your card is lost or stolen, a Visa representative will arrange a convenient location for you to pick up a new card or deliver it directly to you.

Emergency Cash Disbursement

Call on Visa anytime for an emergency cash advance—day or night, 365 days a year. Within 24 hours, we can arrange a convenient location for you to pick up the cash or deliver it directly to you.

1 Rewards Points not earned on balance transfers or cash advances.

2Subject to approval.

3A fixed introductory APR on purchases and balance transfers shall apply for the first six monthly billing cycles following the date your account is established. Transfer balances on higher-rate cards or spread out the burden of a large purchase. Our introductory APR gives you six months to pay off purchases or transfers while paying our lowest available interest rate.

4The APR for purchases in effect for any billing cycle will be determined by adding a percentage rate margin to the RBC Bank Prime Rate as of the end of the month preceding the current billing cycle ("Prime"). Prime is one of RBC Bank's variable rate base indices for credit extensions and is set by us at our discretion based on our perception of market interest rate levels, trends and general economic conditions. It is not tied to any specific index published by any third party and is not represented by us to be lowest rate at which we extend credit.

5When permitted by applicable law, the APR imposed on purchases, cash advances, and balance transfers will be increased to the Delinquency APR if we fail to receive your minimum payment shown on your monthly statement within 60 days after the due date for such payment. The Penalty APR will apply to all outstanding indebtedness and new balances for at least the next 6 months.

6 RBC Rewards Welcome Bonus Points awarded with your first purchase.

Cards are subject credit to approval.

You understand that the use of any card issued in connection with this offer will constitute your acceptance of and will be subject to the terms and conditions of the Business Card Agreement that will be sent with the card. You agree to be responsible for all charges incurred according to the Business Card Agreement. You understand that the terms of your account are subject to change as provided in the Business Card Agreement.

We may communicate information about our experiences and transactions with you to consumer reporting agencies and third parties, to the extent permitted by law. At certain income and credit line levels, proof of income or income verification may be required.

This information was accurate as of February 2011 and may change. Call RBC Bank at 888-257-6837 to find out what may have changed.

* RBC Bank is licensee of the trademark.

 
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