Offers
Welcome Offer
Eligible new applicants for the RBC Visa Classic Low Rate Option can receive a welcome offer of an introductory interest rate:
- Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers ^ and no annual fee for the first year *
Benefits
3₵/L Savings at Petro-Canada
Link your RBC Visa Classic Low Rate Option card with a Petro-Points membership to instantly save 3₵/L on fuel at Petro-Canada stations and earn 20% more Petro-Points.
Earn More Be Well Points at Rexall
Link your RBC Visa Classic Low Rate Option card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in-store on eligible purchases where 25,000 Be Well points = $10.
Doordash DashPass Subscription
Add your RBC Visa Classic Low Rate Option card to your DoorDash account to receive a 6-month complimentary DashPass subscription. Cardholders will enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when they pay with their eligible RBC credit card.
Fees & Eligibility
| Personal Income | $0 |
| Household Income | $0 |
| Annual Fee | $20 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 12.99% |
| Cash Advance Rate | 12.99% |
| Balance Transfer Rate | 12.99% |
Note: The welcome offer of the 0.99% introductory interest rate for 10 months will apply towards any eligible balance transfers.
Insurance Coverage
The RBC Visa Classic Low Rate Option card offers two types of insurance coverage:
- Purchase security: Coverage for accidental physical damage or theft for 90 days from the date of purchase (up to $50,000 per calendar year)
- Extended warranty: Extend the manufacturer’s original warranty up to one additional year
Refer to the RBC Visa Classic Low Rate Option card insurance certificate for additional details, including terms and conditions for eligibility.
Other RBC Cards
| Credit Card | ||
|---|---|---|
 |
70,000 Avion points Estimated value: $1,330 |
|
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60,000 Avios Estimated value: $1,020 Ends Feb 25, 2026 |
|
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70,000 WestJet points Estimated value: $700 Ends Feb 4, 2026 |
|
 |
35,000 Avion points Estimated value: $665 |
|
 |
35,000 Avion points Estimated value: $665 |
|
Legal
Refer to RBC page for up-to-date offer terms and conditions. This page contains affiliate links; refer to our Advertising Disclosure for more information.
^ In order to benefit from the 0.99% introductory interest rate on cash advances for 10 months, your application must be submitted by March 25th, 2026 and approved by us. This offer only applies to new applications for an RBC Visa Classic Low Rate Option credit card received between November 26, 2025 and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Visa Classic Low Rate Option credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Visa Classic Low Rate Option credit card during the Offer Period, are not eligible for this offer. 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 10 full monthly statement periods (approximately 10 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. Once the offer expires: (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 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. Please see the RBC Royal Bank Credit Card Agreement for details on how we allocate your payments. 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 Avion® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Balance transfers cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. Please call customer service at 1-800 ROYAL 1-2 (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.
* To be exempt from the RBC Visa Classic Low-Rate Option annual fee for one year, your application must be received by March 25, 2026, and approved by us. Additional cardholders (co-applicant and authorized user(s)), existing RBC Visa Classic Low-Rate Option cardholders, as well as existing cardholders of any RBC personal credit cards, applying for or transferring to an RBC Visa Classic Low-Rate Option, as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer.
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