Save More by Paying Less Interest

Our low interest credit card helps you pay less interest whether you’re funding an unexpected expense, tend to carry a balance, or looking to balance your budget. Plus, you’ll get to enjoy RBC deals and benefits.

Card Highlights

Enjoy a Consistently Low Interest Rate

Get a low, fixed annual interest rate of 12.99% on purchases, cash advances and balance transfers¹. No surprises.

Shop With Confidence

Your RBC Visa Classic Low Rate Option card includes purchase security and extended warranty coverage⁴.

Access Funds Whenever, Wherever

Accepted wherever you see the Visa logo, at more than one million ATMs and 24 million establishments in 170 countries Worldwide.

Unlock Exclusive Partner Offers

Get special partner offers from brands like Petro Canada, Rexall and DoorDash.

How to Use Your Fixed Low Annual Interest Rate Credit Card

Balance Your Budget

With a low interest rate card, you pay less in interest charges and make your payments more affordable.

Fund an Unexpected Purchase

Have a safety net for unexpected expenses like car repairs or medical bills, minimizing the interest costs.

Consolidate Your Debt

Transfer high-interest balances to a low-interest rate card, which can help you save money on interest charges and pay down your balances faster.

Exclusive Offers From Brands You Love

Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card³

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Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall⁵

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Get a 3-month complimentary DashPass subscription – a value of almost $30. Plus, enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card⁷^,⁸

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More Reasons to Choose an RBC Low Interest Credit Card

RBC Mobile App

Manage your bills, set up mobile pay, and see all your transactions all on our award winning mobile app.

Fraud Protection

If you’ve taken care to protect your credit card, you’re covered against fraudulent or unauthorized use of your card – both in-store and online.

NOMI

Stay connected to your money with the built-in intelligence of NOMI. Receive alerts, reminders, and tailored insights based on your banking habits so you can make more informed financial decisions.

More Details and Benefits

Insurance and Protection

Your RBC Visa Classic Low Rate Option card includes Purchase Security and Extended Warranty Insurance.

Purchase Security and Extended Warranty Insurance⁴
- Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.

For full insurance details, view the certificate of insurance.

Optional Add-on Services

Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance.

Explore all Optional Add-On Protection Services