RBC® Visa Platinum
RBC® Visa Platinum
Save with a 5.9% Introductory Rate for 30 Months on Balance Transfers and Cash Advances Δ
Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
5.90% *22.99% after 30 months
5.90% *22.99% after 30 months
- No added transfer fees†
- No annual fee
- Premium insurance coverage for your car1, travel2 and eligible purchases3
- Save 3¢/L on fuel▲ and always earn 20% more Petro-Points‡ at Petro-Canada§ when you link your RBC card
Features and Benefits
- Purchase protection and extended warranty
- Rental vehicle insurance
- Travel accident insurance
®/TM Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).
Petro-Canada is a Suncor business
Δ In order to benefit from the 5.9% introductory interest rate on balance transfers and cash advances for 30 months, your application form must be received and approved by us. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set-up with a merchant). All other account activities, including purchases, are subject to the standard account annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 30 full monthly statement periods (approximately 30 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory interest rate until your statement is prepared, the next processing day. At the expiration of this offer: (i) all cash advances; and (ii) any remaining balances, which were subject to the introductory interest rate under this offer will be subject to the 22.99% balance transfer and cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard interest rate and cash advances at an introductory or promotional interest rate (e.g. a special lower rate balance transfer, or a temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. For example, if your purchases balance at the standard interest rate is $800 and you have a cash advances balance of $200 at one promotional interest rate, proportionate allocation means that 80% of your payment will be allocated to your purchases balance and 20% will be allocated to your cash advances balance. If you miss making any minimum payment by the payment due date and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or promotional interest rate offer(s) in which you are participating and any remaining balance(s) which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement, beginning on the first day of the third statement period after the missed payment. Cash advances do not qualify for RBC Rewards® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Please call customer service at 1-800-769-2512 for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.
† The transfer fee of up to 3% of the transaction amount does not apply to introductory interest rate offers like this one. However, a cash advance fee of $3.50 may apply depending on the type of cash advance you make. For more details, consult the "Other Fees" section of the Information Box.
▲ Each time you use your linked RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC Esso Visa and RBC commercial credit cards) that is linked to a Petro-Points card ("Eligible RBC Card") to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.
§ Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.
1 Coverage underwritten by Aviva General Insurance Company.
2 Coverage underwritten by RBC Insurance Company of Canada.
3 Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.Apply Online