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About Our Ratings
Credit Needed
Excellent

Signature® RBC® Rewards Visa Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
19.99% (fixed) 
Annual Fee
$39 for the primary card and no annual fee for each additional card. An annual fee rebate is available for University or College Students and RBC Signature No Limit Banking® account owners.

This card compared to other travel rewards cards

Points or Miles
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
1.5 pts/$1
Bonus Miles or Points
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
Purchase APR
19.99% (fixed) 
N/A 
15.24% - 23.24% Variable APR on purchases 
Annual Fee
$39 for the primary card and no annual fee for each additional card. An annual fee rebate is available for University or College Students and RBC Signature No Limit Banking® account owners.
Introductory annual fee of $0 for the first year, then $195.
$0.00
CardRatings.com Editorial Staff

Signature® RBC® Rewards Visa details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
APR:
N/A
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.
Annual Fee:
$39 for the primary card and no annual fee for each additional card. An annual fee rebate is available for University or College Students and RBC Signature No Limit Banking® account owners.
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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)
 21.99% (fixed)
 21.995 (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:
 $39 for the primary card and no annual fee for each additional card. An annual fee rebate is available for University or College Students and RBC Signature No Limit Banking® account owners.
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 1 RBC Rewards point for every one dollar in purchases you make with the card. Earn bonus points when you shop online at the RBC Rewards eMall™. Redeem for gift cards, merchandise items, travel rewards, and RBC Financial Rewards® vouchers with rewards starting as low as 2,500 points.
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:
 Signature
Card Category:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active 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