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About Our Ratings
Credit Needed
Excellent

RBC Cathay Pacific Visa Platinum Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
20.50% (fixed) 

This card compared to other cash back cards

Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Cashback on other
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
1% When You Buy, 1% As You Pay
Purchase APR
20.50% (fixed) 
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

RBC Cathay Pacific Visa Platinum details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
20.50% (fixed)
Annual Fee:
$150 for the primary card and $75 for each additional card
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 N/A
 N/A
 N/A
Margin:
 N/A
 N/A
 N/A
APR:
  20.50% (fixed)
 22.50% (fixed)
 22.50% (fixed)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 25.50% - 27.50% (fixed)
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
Maximum Default APR:
 27.50% (Fixed)
Penalty/Default Trigger:
 Your interest rate will increase to 25.50% on purchases and 27.50% on cash advances for at least 6 months if you do not make your minimum payment by the payment due date and you have not paid it by your new statement date two (or more) times in any 12-month period

Credit Card Fee Information:


Annual Fee:
 $150 for the primary card and $75 for each additional card
Foreign Transaction Fee:
 Transactions in a foreign currency are converted to Canadian dollars no later than the date the transaction is posted to your credit card account at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of conversion.
Late Fee:
 None
Over-the-limit Fee:
 $29; Fee charged once per statement period
Balance Transfer Fee:
$3.50 for transactions in Canada (including introductory offers); $5.00 if transaction occurs outside Canada (see issuer terms for details). No fee on credit card cheques at your standard or introductory interest rate.  


Notes:

Rebate Description:
 Earn Asia Miles for dollars spent on the card. Complimentary enrolment in The Marco Polo Club
Special Notes:
 Eligibility Criteria to Apply: You must be a permanent resident of Canada and have no current record of bankruptcy. Dishonoured Payment Fee: $45.
Credit Card More Information:

Card Issued By:
 RBC
General Correspondence Address:
 134 North Church Street
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Discover it®- Cashback Match™ with No Annual Fee

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
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  • 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
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Credit Needed:
Excellent/Good