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About Our Ratings
Credit Needed
Excellent

RBC US Dollar Visa Gold Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
19.99% (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
19.99% (fixed) 
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

RBC US Dollar Visa Gold details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
19.99% (fixed)
Annual Fee:
$65 for the primary card and $30 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:
  19.99% (fixed)
 21.995 (fixed)
 21.99% (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:
 24.99% to 26.99% (fixed)
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
Maximum Default APR:
 26.99% (Fixed)
Penalty/Default Trigger:
 Your interest rate will increase to 24.99% on purchases and 26.99% 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 the date your next statement is prepared 2 or more times in any 12 month period.

Credit Card Fee Information:


Annual Fee:
 $65 for the primary card and $30 for each additional card
Foreign Transaction Fee:
 None for U.S. dollars. Transactions in a currency other than U.S. dollars are converted to U.S. 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 Canad
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 1 RBC Rewards point for every $1 spent using your card. Earn additional RBC Rewards points when you book travel with Carlson Wagonlit Travel or rent a vehicle at any participating Thrifty Car Rental location in Canada. Earn bonus points when you shop online at the RBC Rewards eMall™. Redeem for travel rewards, merchandise, gift cards/certificates and RBC Financial Rewards® with rewards starting as low as 2,500 points.
Special Notes:
 Enjoy the flexibility to make your transactions in U.S. funds and avoid the hassles of exchange rates or daily currency fluctuations. Dishonoured Payment Fee: $45.
Credit Card More Information:

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

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  • 100% U.S. based customer service.
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Credit Needed:
Excellent/Good