RBC Bank Credit Cards

RBC, the Royal Bank of Canada, is a leading issuer of credit cards for Canadians in the United States. Browse credit cards below.

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Visa Signature® Black Plus

Visa Signature® Black Plus
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
$75 Annual Fee

Visa Signature® Black Plus

  • 18.24% to 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.24% to 24.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 27.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The RBC Bank Visa Signature® Black Plus card is a rewards card aimed at Canadians who are looking for a U.S. credit card. The card offers, a 0% introductory APR, followed by very competitive rates after that, and a rewards program with more significant perks than its sister card – the Visa Signature® Black. Cardholders can expect to earn 1.5 points for every dollar spent. These improved rewards come at the cost of a $75 annual fee, however.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn rewards faster than with the Visa Signature Black
  • Make transaction in the U.S. dollar and avoid daily currency fluctuations
  • Enjoy Visa Signature® concierge service
  • Earn 1.5 RBC Rewards points for every $1 spent on your card
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 18.24% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 18.24% to 24.99% 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: 27.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3.5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $75
  • Foreign Transaction Fee: 1.5% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You’re a Canadian citizen who frequently visits, or makes purchases, in the U.S.
  • You want to work with family or friends to pool points for exciting rewards
  • You want a rewards card with a low APR for purchases
  • You make frequent purchases to justify the $75 annual fee for improved rewards points

Visa Signature® Black

Visa Signature® Black
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Visa Signature® Black

  • 18.24% to 24.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.24% to 24.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 27.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 18.24% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 18.24% to 24.99% 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: 27.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3.5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1.5% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You’re a Canadian who frequently visits, or makes purchases, in the U.S.
  • You want the excellent service and protections Visa Signature offers
  • You want to work with loved ones to pool points for exciting rewards
  • You want a rewards card with a low APR for purchases

About RBC Bank

RBC Bank is an American financial institution and bank that provides banking services and credit cards for both American citizens and Canadian expatriates and snowbirds. RBC Bank is the trading name of RBC Bank, Georgia, currently a subsidiary of PNC Bank.

The RBC Bank brand began in 2001 when the Royal Bank of Canada (RBC, Canada’s largest bank) acquired North Carolina-based bank, Centura Bank. In 2012, Royal Bank of Canada sold the RBC American banking interests to PNC Bank, itself one of the largest banks in the United States – keeping the cross-border banking to Canadians under the RBC Bank (Georgia) name.

Today, the RBC Bank name still offers banking services for Canadians who frequently travel to the United States. No matter if they are expats, snowbirds, or just businessmen or travelers that regularly visit the United States, RBC has the products they need to help their money go further abroad.

RBC Bank US Locations

RBC Credit Cards

RBC currently offers two credit cards for Canadians in the United States: the Visa Signature Black and the Visa Signature Black Plus. Both cards provide Canadians with the ability to avoid currency fluctuations for U.S. dollar transactions.  This ability offers the security and peace of mind that travelers need to make the most of their stay south of the border.

Both RBC Bank cards also provide decent cash back and travel award redemption options, plus Visa Signature perks and protections, including:

  • Extended Warranty Protection: This program provides holders with an extra year of warranty coverage for eligible U.S. manufacturer goods with a warranty of one year or more.
  • Year-end Summary: A detailed summary of your spending to help simplify your budgeting in the new year.
  • Travel and Emergency Assistance Services:24/7 assistance for Signature cardholders anywhere in the world.
  • Visa Signature Concierge: Customized customer service to help cardholders make reservations, buy tickets, and receive advice.
  • Visa Signature Luxury Hotel Collection: Signature cardholders get exclusive access and guest privileges at over 900 luxury hotels worldwide.

FAQs About RBC

Here are common questions about RBC Bank’s U.S. credit cards and banking services:

  • RBC Bank is a U.S. bank that specializes in providing banking products to Canadians in the United States. The bank offers mortgages, loans, banking accounts, and credit cards.
  • RBC Bank offers Zelle to all checking and savings account customers via their mobile banking service.
  • The routing number for RBC Bank USA is 063216608.
  • The SWIFT Code is RBCBUS33.

Find the Best Card for You

The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.