RBC
RBC Visa Classic Low-Rate Option
Pay down debt faster with a low fixed 12.99% rate on purchases, cash advances and balance transfers. Move existing balances at just 0.99% for the first 10 months and pay no annual fee in year one.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$20
Purchase rate
12.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- No rewards program
- low fixed 12.99% rate on purchases, cash advances and balance transfers, plus a 0.99% introductory balance transfer rate for the first 10 months
- includes purchase security and extended warranty (doubles the manufacturer's Canadian warranty by up to one year, max five years)
- Petro-Canada, Rexall and DoorDash partner offers
Rates & fees
| Annual fee | $20 |
|---|---|
| Supplementary card fee | $0 (additional cards free) |
| Purchase APR | 12.99% (purchases) |
| Balance transfer intro | 0.99% for the first 10 months |
| Balance transfer rate | 12.99% |
| Balance transfer fee | Up to 3% of the transferred amount on promotional balance transfers |
| Cash advance | $5.00 per cash advance; cash advance APR 12.99% |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.