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About Our Ratings
Credit Needed
Excellent

RBC Bank Visa Signature® Black Credit Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
11.24% to 19.99% for Visa Signature accounts, based on your creditworthiness (Variable)

This card compared to other cash back cards

Card Name
RBC Bank Visa Signature® Black Credit Card
Cashback on Gas
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1% When You Buy, 1% As You Pay
1%
Purchase APR
11.24% to 19.99% for Visa Signature accounts, based on your creditworthiness (Variable)
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
CardRatings.com Editorial Staff

RBC Bank Visa Signature® Black Credit Card details

Balance Transfer Intro APR:
0.00% introductory APR for six months when you open your account
Balance Transfer Intro Period:
6 months
Purchase Intro:
APR:
0.00% introductory APR for six months when you open your account
Period:
6 months
Purchase APR:
11.24% to 19.99% for Visa Signature accounts, based on your creditworthiness
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 7.74% - 16.49%
 7.74% - 16.49%
 N/A
APR:
  11.24% to 19.99% for Visa Signature accounts, based on your creditworthiness
(Variable)
 11.24% to 19.99% for Visa Signature accounts, based on your creditworthiness
 19.99% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 0.00% introductory APR for six months when you open your account
 0.00% introductory APR for six months when you open your account
 N/A
Intro Period:
 6 months
 6 months
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1.5% 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
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 3% of each Balance Transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99)  


Notes:

Rebate Description:
 Redeem points for travel, merchandise, gifts cards, and cash back. Earn double the Rewards Points for the first 90 days on purchases. Register your new card at rbcbankrewards.com for 1,000 bonus RBC Bank Rewards Points.
Special Notes:
 Annual Rewards Program Fee: $0 for Visa Signature Rewards; $75 for Visa Signature Rewards Plus (waived for Private Banking customers and RBC Bank employees). Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 RBC Bank (Georgia), N.A.
General Correspondence Address:
 PO Box 90248
Card Type:
 Visa
Card Class:
 Signature
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $5000 min.
Maximum Credit Limit:
 $20000 max.
Credit Limit Notes:
 

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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good