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Credit Cards

 

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 credit cards come with our FREE 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.  Enroll in our free RBC Rewards program and earn 500 bonus points with your first RBC Bank credit card purchase, or 1000 points when you enroll in RBC Rewards Plus.

Want to earn rewards even faster with your RBC Bank credit card? Enroll in RBC Rewards Plus at 1-888-257-6837 and earn 50% more points with every purchase.

Special Offer

Enroll in our FREE RBC Rewards program and earn 500 bonus points with your first RBC Bank credit card purchase, or enroll in our RBC Rewards Plus program and earn 1,000 bonus points with your first RBC Bank credit card purchase.

Get Started Now!


RBC Bank credit cards include these convenient benefits:

  • Free Rewards
  • Free Online Banking
  • Free additional cards
  • Convenience checks
  • Cash access at ATMs worldwide, wherever Visa* credit cards are accepted

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

  Visa Platinum Visa Gold Low-Rate Visa Gold
Features & Benefits Visa Platinum Visa Gold Low-Rate
Visa Gold
6-month Introductory Rate (APR) 2.9% 4.9% n/a
Standard Rate1 Prime + 3.49% Prime + 6.49% Prime + 5.49%

Annual Fee

$0 $0 $18

Minimum Credit Limit

$7,500 $2,000 $2,000

FREE RBC Rewards

    $1 = 1 Point 
   500 Welcome 
    Bonus Points2

    $1 = 1 Point 
   500 Welcome 
   Bonus Points2

    $1 = 1 Point 
   500 Welcome 
   Bonus Points2

RBC Rewards Plus

  $1 = 1.5 Points 
   1000 Welcome 
   Bonus Points2

  $1 = 1.5 Points 
  1000 Welcome 
   Bonus Points2

n/a

FREE RBC Rewards

Warranty Manager Service

Travel Accident Insurance

Visa Assistance Center

Auto Rental Insurance

Travel & Emergency Assistance

Roadside Assistance

n/a n/a

Emergency Card Replacement

Emergency Cash Disbursement

  Apply Now Apply Now Apply Now


Visa Platinum

The lowest interest rates for our most qualified clients. This no-fee card comes with all the benefits and privileges including RBC Rewards.

Visa Gold

The perfect card for avoiding annual fees and adding up rewards points.

Low-Rate Visa Gold

Reduce your annual percentage rate when you pay a low $18 annual fee.

6-month Introductory Rate (APR)

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 after the introductory period.

Warranty Manager Service

Protect your purchases and manage warranties with one convenient service. When you register products purchased with your Visa, you'll receive additional protection. Or, purchase extended service agreements to add the Visa Performance Guarantee.

Travel Accident Insurance

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

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.

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.

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.

1After your 6-month introductory period (if applicable), your Annual Percentage Rate (APR) may vary monthly. The APR is determined by adding the disclosed margin to the RBC Bank Prime Rate (“Prime”) on the last business day of each calendar month. As of December 17, 2008, Prime was 3.25%, resulting in an APR of 6.74% for Visa Platinum, 9.74% for Visa Gold, and 8.74% for Low-Rate Visa Gold.

2RBC Rewards Welcome Bonus Points awarded with your first purchase.

Cards are subject credit to approval.