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Visa Signature® Black

Visa Signature® Black

Earn 1 RBC Rewards Point for Every $1 Spent

Visa Signature® Black
  • Regular Purchase APR 13.24% to 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.24% to 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the first 6 months
  • Processing Network Visa
Best Benefits
  • Make transaction in the U.S. dollar and avoid daily currency fluctuations
  • Earn 1 RBC Rewards point for every $1 spent on your card
  • No annual fee
  • Enjoy Visa Signature® concierge service
Rates & Fees
  • Intro Purchase APR: 0% for the first 6 months
  • Regular Purchase APR: 13.24% to 21.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 6 months
  • Balance Transfer APR: 13.24% to 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of each balance transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3.5% of the amount of each cash advance, whichever is greate
  • Foreign Transaction Fee: 1.5% of the U.S. dollar amount of the foreign transaction
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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At a Glance

The RBC Bank Visa Signature® Black card is a rewards card aimed at a Canadian audience – especially those who frequent the U.S. The card offers no annual fee, a 0% introductory APR, followed by very completive rates after that, and an effective rewards program. Cardholders can expect to earn 1 point for every dollar spent – points which are poolable and redeemable for rewards, travel, or cash back.

Ideal for Those Who:

  • Are a Canadian who frequently visits, or makes purchases, in the U.S.
  • Want the excellent service and protections Visa Signature offers
  • Want to work with loved ones to pool points for exciting rewards
  • Want a rewards card with a low APR for purchases

Visa Signature® Black Review

The Visa Signature® Black from RBC Bank is an impressive rewards card designed especially for Canadians who frequently travel to -and make purchases in – the United States. Whereas many Canadian-specific credit cards calculate payments in Canadian Dollars, the Visa Signature® Black from RBC Bank ensures all transactions are completed in U.S. Dollars. While this may not seem like a big deal, making all payments in one single currency allows cardholders to avoid the daily fluctuations that occur in international currency exchanges.

The Visa Signature® range is known for its reward point earning potential, and the Visa Signature® Black is no different. Cardholders can expect to receive 1 RBC Rewards point for every dollar they spend on their card – points which are redeemable for gift cards from major retailers like Amazon, Best Buy, Starbucks, and more; gadgets from the hottest brands on the market; travel; experiences; and much more.

One of the unique features of RBC’s Rewards points scheme is the ability to pool points with friends and family. Pooling allows a faster accumulation of points, meaning you can more easily reach the rewards you crave. RBC Rewards points can even be converted for 1% cash back, allowing you to transfer your points to an RBC Royal Bank account.

Visa Signature® Black from RBC Bank cardholders also benefit from Visa’s Signature® concierge service, which helps with planning future travel, exclusive car rental booking privileges, and access to bookings at Visa Signature’s® Luxury Hotel Collection. Visa Signature® cardholders also get a variety of protections, including auto rental collision damage waivers, pay-per-use roadside assistance, 24/7 emergency, and travel assistance services, and more.

Should You Apply for the Visa Signature® Black from RBC?

For Canadians that want a card that offers decent rewards in the U.S., Visa Signature® Black is a strong option to consider. The case for the card is further aided by no annual fee, an initial 6 months of 0% APR, and a highly competitive APR after that. For those with excellent credit, they can expect rates to be well below 15%, depending (of course) on both creditworthiness and the Prime Rate at the time.