RBC Royal Bank Credit Cards

by John_S on November 8, 2011

RBC Royal Bank offers commercial and business banking to its clients, with a variety of wealth management, investment, and other services. The Royal Bank of Canada features a number of credit cards to suit the requirements of business and individual clients from every walk of life. Clients can opt for a low interest credit card as to avoid high interest charges or take a cashback credit card and earn cash back on their everyday purchases. There is a variety of credit cards on offer, from no annual fee credit cards to student credit cards, rewards credit cards, prepaid cards, and other card varieties. In addition, customers can opt for the online banking services of RBC. Clients of the bank can manage their credit cards online, receive and transfer funds, pay credit card bills, check account balances, and more. Online and offline, there are many ways to take advantage of RBC Royal Bank credit cards.  

RBC Royal Bank Student Credit Cards

Royal Bank credit cards for students are offered to young people who seek to build credit history. RBC offers a variety of credit cards to the student population, including cashback credit cards and rewards credit cards. Among the RBC credit cards is RBC Rewards Visa Gold, featured with a grace period of 21 days, 19.99 percent interest rate, and no annual fee. Every two dollars charged to the card earn 1 rewards point, with bonus points to be redeemed for RBC Registered Rewards, gift certificates, merchandise, travel rewards, and more. Those who look for Royal Bank cards with cash back may check the Visa Cash Back credit card, which earns 1 percent cash back on preauthorized payments and qualifying purchases. Purchases that earn cash back include utilities, groceries, gas, and more. This is not all Royal Bank of Canada credit cards offer. The Signature RBC Rewards Visa credit card is a good choice for college and university students who are frequent shoppers. This card makes it possible for cardholders to earn bonus points just like with a premium credit card. The card is offered with an annual fee of $39 and 19.99 percent interest rate. Purchase security and zero liability are also offered, the latter eliminating the holder’s liability in case of fraudulent transactions. Other RBC credit cards available to students include the Visa Platinum, WestJet RBC MasterCard, US Dollar Visa Gold, RBC Rewards Visa Preferred, and Esso Visa.

RBC Royal Bank Secured Credit Cards

Royal Bank of Canada secured credit cards work the same way as standard credit cards. Clients can even choose a card with a reward program, and the credit limit is determined by the amount of money deposited. These credit cards are, in fact, Visa prepaid cards, and there are not charges for card activation, web and call centre/ live agent support. There is no charge for point of sale transactions as well.

RBC Royal Bank Low Interest Credit Cards

Visa Classic Low Rate is the perfect solution for customers who look for RBC credit cards with low interest. This card is featured with an annual fee of $20, 11.99 percent interest rate, and free additional credit cards. Visa Classic Low Rate is the right choice for clients who carry a balance or seek quick debt consolidation. Customers of the bank who opt for RBC Royal Bank credit cards with low interest enjoy a permanent low rate of interest.

RBC Royal Bank Cashback Credit Cards

Royal Bank also offers the RBC Visa Cash Back Card to clients who prefer to earn cash back on charging items to their credit card. Royal Bank of Canada credit cards with cashback as this one allow cardholders to earn cash back on a variety of purchases, including gas, utilities, and groceries. The RBC Visa Cash Back Card is featured with an annual fee of just $19, 19.99 percent interest rate, and a free additional card.

RBC Royal Bank Reward Credit Cards

RBC has a variety of Royal Bank of Canada credit cards with rewards on offer. Visa Infinite Avion, for example, gives cardholders the opportunity to earn premium travel benefits and rewards, with one bonus point for every dollar spent on purchases. Cardholders earn a welcome bonus of 15,000 points. The card is featured with a 19.99 percent interest rate, interest-free period of 21 days, and annual fee of $120. There are other RBC credit cards to choose from, for example, RBC Rewards Visa Gold and Signature RBC Rewards Visa, with bonus points to be redeemed for gift certificates, gift cards, travel, merchandise, and more. Esso Visa is a credit card that allows instant redemption for Esso Extra Rewards and Gas Rewards.

RBC Royal Bank US Dollar Credit Cards

Clients of Royal bank who look for RBC US credit cards in US dollars may check the US Dollar Visa Gold credit card, which is the ideal option for frequent travelers. Cardholders can make transactions in US dollars, thus avoiding currency fluctuations. Moreover, clients who choose this card earn rewards points and can redeem them for RBC Registered Rewards, travel, and more. The card is featured with travel accident insurance, zero liability, chip and PIN technology, emergency purchases insurance, and other beneficial features. Clients who look for Royal Bank credit cards will enjoy the fact that this card offers privileged services, including guaranteed hotel reservations, commission free travelers cheques, and an ATM cash advance limit of $1,000. The card is offered with an annual fee of $65 USD, and interest rate of 19.99 percent. Additional cards cost $30 USD.

RBC Royal Bank Reward Credit Cards

Royal Bank of Canada credit cards with rewards are another great option, especially for clients of RBC who are frequent travelers. Cardholders earn rewards toward vacation packages, hotels, car rentals, flights, and more, and there is a variety of RBC credit cards to choose from. RBC Rewards Visa Preferred, for instance, is a good choice for clients who want to travel safely. It is offered with trip interruption insurance, emergency medical insurance, and travel accident insurance. The card goes with an annual fee of $110, 19.99 percent interest rate, and plenty of beneficial features. Cardholders earn 1 rewards point for every dollar spent on the card. Points can be exchanged for Esso Extra points, merchandise, gift certificates, and more. Other Royal Bank credit cards are Visa Infinite Avion and WestJet RBC World MasterCard. The latter is a good choice for customers who have a minimum personal income of $70,000 or $120,000 per household. Cardholders earn two percent in WestJet dollars for every dollar charged to the card for WestJet vacation packages and flights. There is a welcome bonus of $350 WestJet dollars. Cardholders save on seat sales and enjoy the fact that there are no advance booking requirements, no seat restrictions, and no blackout periods. The card is featured with an annual fee of $79, 19.99 percent interest rate, and additional benefits such as hotel/ motel burglary insurance, emergency purchases insurance, and others.

British Airways Visa Platinum is another good option for clients of RBC Royal Bank who want to earn bonus miles with every purchase. This credit card is a good choice for persons who would like to collect BA miles and who travel with British Airways frequently. Cardholders have access to a premium suite of protection and travel insurances, including flight delay insurance, travel accident insurance, and more. A welcome bonus in the amount of 10,000 points is offered upon approval. Cathay Visa Pacific is yet another credit card intended for frequent fliers. The card goes with an interest rate of 20.5 percent and annual fee of $150. Additional cards cost $75 a year. This card gives cardholders the opportunity to earn Asia Miles and use them toward flights to more than nine hundred destinations. In fact, this is the only card that allows clients to earn Asia Miles. Upon approval, cardholders get a welcome bonus of 5,000 rewards points. They also earn two bonus miles for every $5 HKD charged to the card in in-flight purchases. Points can be redeemed for flights, merchandise, holiday packages, hotel stays, and more.

RBC Royal Bank No Annual Fee Credit Cards

Clients of the Royal Bank of Canada who look for RBC credit cards with no annual fee have several options to choose from – RBC Rewards Visa Gold, Esso Visa, and Visa Platinum. Visa Platinum is offered with up to $50,000 credit limit, interest-free period of 21 days, and interest rate of 19.99 percent. Visa Platinum goes with optional benefits such as card registration service for important documents and credit cards, long distance savings, and BalanceProtector Insurance, which includes disability protection, job loss protection, and more. Premium insurance coverages are available for auto, purchases, and travel. Esso Visa is another option to choose from Royal Bank of Canada credit cards. Cardholders earn bonus points at Esso stations, which can be redeemed for gas, car washes, car supplies, snacks, and more. The card goes with extended warranty, purchase protection, chip and PIN technology, and other added benefits.

RBC Royal Bank Prepaid Credit Cards

Clients who look for a prepaid card will find that these credit cards are of two varieties – RBC Visa Prepaid Cards for Business and RBC Visa gift cards. Gift cards can be used for making purchases at retail locations, by phone, and online. If stolen or lost, registered cards are subject to replacement. No setup or activation is required meaning that holders can use the gift card immediately. Note that you can use a gift card to buy fuel at the register but not at pay at the pump kiosks. It is recommended not to use gift cards for special purchases, for example, at restaurants, car rental agencies, hotels, etc. In addition, gift cards should not be used for some transactions, for example, internet gambling.

The second variety, RBC Visa Prepaid Cards for Business, is intended for commercial clients and small businesses and goes with incentive and reward programs. Business owners can use this card to motivate or reward employees or to support initiatives such as loyalty programs, rebates, and contests. Visa Prepaid Cards are a great way to build a brand or maximize efficiency. Prepaid cards of this type are stored value/ prepaid cards that can be used to buy items by phone, over the Internet, or at a variety of retail locations around the world. Card fees include access to web balances and IVR, administration fees, card printing, and Card Agreement. Shipping fees and taxes may also apply.

RBC Royal Bank Business Credit Cards

RBC Visa Prepaid Cards for Business are not the only option for business owners who look for Royal Bank of Canada credit cards. Clients can choose from two cards – Visa Business and Visa Business Avion. Visa Business is an affordable and flexible solution, offering cardholders travel assistance, extended warranty, and purchase security. This credit card goes with an annual fee of just $12, interest-free period of 21 days, and 19.99 percent interest rate. Visa Business is featured as an affordable option for business owners and their employees, offering convenient access to cash funds. Another of the RBC business credit cards is Visa Business Avion. It is the right option for business owners who want to earn travel rewards, fly on any airline, anytime, and anywhere, with no seat restrictions or blackouts. The card is offered with a grace period of 17 days, interest rate of 19.99 percent, and annual fee of $120. The credit card goes with various added benefits such as a premium suite of insurance plans. These include purchase security, flight delay insurance, and assured assistance. The latter provides a variety of valuable services to cardholders who face medical emergencies, unexpected situations, or need legal assistance. Zero liability and liability waiver insurance are also offered.

Clients of RBC Royal Bank of Canada who hold any of these cards can request an increase of their credit limit through the bank’s online banking service, at their local branch, or by telephone. To process requests, RBC requires information about the cardholder’s annual income, liabilities, assets, occupation and name of employer, as well as the desired credit limit. New customers of the bank can apply for a credit card using a secure and safe online application. The information they need to supply includes their annual income, employment information, and social insurance number.

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