Visa Classic Low Rate Option

Great Value with an Everyday Low Annual Interest Rate.

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Say Goodbye To Holiday Bills – Enter to WIN!

This holiday season, is paying off one lucky user’s holiday bills (up to $2,500). Enter below!

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  1. You'll get a response in approximately 1 business day
Click 'Apply Online' to go to the online credit card application. Note that you must complete the following application online in order to qualify. The information that you use to apply for this offer must match the information that you provide when applying for your credit card.

Don’t want to enter this offer? Not a worry – you can go on to the credit card application by hitting I'd like to apply without this offer

Card Details

Features and Benefits

  • Purchase protection and extended warranty

  • Fixed annual interest rate of 11.99% on both purchases and cash advances*

  • Low $20 annual fee

  • No annual fee for additional card(s)

  • Zero Liability protection, which means you are not liable for fraudulent charges provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement's Review

Pass less on interest and fees... it's that simple with this low-interest option, which features an APR of 11.99% on purchases, balance transfers and cash advances. It's this below-average rate that scores this card an honourable mention in's Best of Finance Awards. And, while this is a no-frill option, cardholders can rest easy knowing they're covered under RBC's Zero Liability Protection. The one caveat: this card comes with a $20 annual fee.

Top Features About the Visa‡ Classic Low Rate Option

  • 11.99% interest rate on purchases, balance transfers, and cash advances (much lower than the average 24.99% for the latter).
  • Includes RBC Zero Liability Protection

Pros and Cons of the Visa‡ Classic Low Rate Option

Pros Cons
  • Pay less than the market average on purchases, balance transfers and cash advances.
  • No rewards earning structure
  • Includes a $20 annual fee
  • No insurance or entertainment benefits included

How We Did It: Low Interest

Ave. Canadian Credit Card Debt Amount Paid Monthly Debt Timeline
$3,277.33 Minimum Payment (varies) 24 Months


All interest totals include limited time interest rates, credits, bonuses and annual fees.

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.