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Platinum 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 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 without restrictions and more! Every purchase brings you closer to great rewards when you use an RBC Bank Visa* Platinum Credit card. From gasoline fill-ups and grocery runs to furniture 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, cruises, vacation packages and weekend getaways and car rental certificates (some restrictions may apply).

What's really exciting about the RBC Rewards Program is that unlike any other credit card rewards program, only RBC Bank now lets you pool your points.

  • Combine your personal credit cards into one account so you can earn even faster.
  • Only RBC Rewards lets you invite others to join your pool! You can combine your personal RBC Rewards account with any other RBC Rewards cardholders. Simply go to to combine your accounts or invite your friends and family to join your pool!

The RBC Bank Platinum Rewards Credit card 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!

And now, take advantage of 0% introductory APR for six months.  Thereafter, the interest rate for purchases and balance transfers will be between 9.99% and 19.99%, depending on creditworthiness.  This APR may vary with the market based on the prime rate.

Call 1-800-236-8872 to apply today!

Already a cardholder?

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

RBC Bank Platinum Credit cards include these convenient benefits:

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

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

Summary of Credit Terms

Visa Platinum Rewards Visa Platinum Rewards Plus
Interest Rates & Interest Charges Visa Platinum Rewards Visa Platinum Rewards Plus
Annual Percentage Rate (APR) for Purchases and Balance Transfers 0%3 introductory APR for six months when you open your account. After that, your APR will be 9.99% to 19.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate4.
APR for Cash Advances 19.99% This APR will vary with the market based on the Prime Rate.5
Paying Interest Your due date is at least 21 days after your account statement is mailed or otherwise delivered to you. 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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
Fees Visa Platinum Rewards Visa Platinum Rewards Plus

Annual Rewards Program Fee

None $55+

NOTICE: This fee may be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $500, your initial available credit will be only $445.
Transaction Fees:
  • Balance Transfer

  • Cash Advance

  • Foreign Transaction

  • Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, maximum fee $99).6
  • 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: Late Payment Up to $35
Penalty Fees: Returned Payment Up to $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Other Features & Benefits Visa Platinum Rewards Visa Platinum Rewards Plus

RBC Rewards

$1 = 1 Point
3000 Welcome
Bonus Points7

RBC Rewards Plus

N/A $1 = 1.5 Points
3500 Welcome
Bonus Points7

Warranty Manager Service

Travel Accident Insurance

Visa Assistance Center

Auto Rental Insurance

Travel & Emergency Assistance

Roadside Assistance

Emergency Card Replacement

Emergency Cash Disbursement

Free Year End Statement

Call 1-800-236-8872 to apply today!

Personal Cardholder Agreement

Ready to switch your credit cards to RBC Bank?

Learn How

Need Assistance?

We're happy to help! Simply visit any RBC Bank location or call 1-877-RBC BANK (877-722-2265).

Visa Platinum Rewards

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

Visa Platinum Rewards Plus

The lowest interest rates are for our most qualified clients. This no fee card comes with all the benefits and privileges including our best rewards program, RBC Rewards Plus.

6-month Introductory Rate (APR)

A fixed introductory APR 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.

Standard Rate Variable Rate Range

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 19.99% based on your creditworthiness. This APR will vary with the market based Prime Rate.

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.
Cards are subject credit to approval.

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

2 Subject to approval.

3 Introductory APR: The fixed introductory APR will apply to purchases and balance transfers for the first 6 monthly billing cycles following the date your account is established. Thereafter, the APR for all outstanding indebtedness and new balances relating to purchase and balance transfer transactions will be the then-applicable variable APR.

4 Prime Rate: As published in the Wall Street Journal, Eastern Edition, on the 20th day of the preceding month; current rate is 3.25% as of January 23, 2012.

5 The APR for Cash Advances will be the Prime Rate plus 16.74%.

6 The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer.

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

You understand that this offer to establish a credit card account is on behalf of RBC Bank (Georgia), N.A., P.O. Box 1220, Rocky Mount, NC 27802-9986. If an account is opened, the lender on the account will be RBC Bank (Georgia), N.A. (hereafter, “we,” “us,” or “RBC Bank”). 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 Cardholder Agreement that will be sent with the card. You agree to be responsible for all charges incurred according to the Cardholder Agreement. You understand that the terms of your account are subject to change as provided in the Cardholder 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 employment or income verification may be required. This information was posted in January 2012 and was accurate as of that date and is subject to change after that date. Call RBC Bank at 888-257-6837 to find out what may have changed.

Cards are subject credit to approval.

*RBC Bank (Georgia), N.A. is licensee of the trademark.

+Fee waived for Private Banking clients and RBC Bank employees.

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