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Visa Signature® Black Plus
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
- 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
You’ve viewed 5 of 2 credit cards
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.
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