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RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank – 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com

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All other trademarks are the property of their respective owners.

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All loans and lines of credit are subject to approval. This pre-approved offer is based on the credit and financially related information RBC Bank has about you and all terms of your pre-approval for a $5,000 RBC Bank Visa Signature Black or Visa Signature Black Plus U.S. credit card expire on 07/31/26. By accepting this offer, you are giving us permission to obtain your Credit Bureau report. Both your account approval and the actual credit card line amount for which you qualify will be based on your current income, recent changes to credit history and debt-to-income ratios. RBC Bank reserves the right to withdraw this offer even after acceptance by you should a change occur in your credit rating or other eligibility criteria since or before being selected for this offer. The offer is non-transferable. If you respond with a co-applicant, the pre-approved offer will no longer apply and your response will be treated as an application for which there is no pre-approved offer. If your credit line is less than $5,000, you may qualify for a RBC Bank Platinum credit card account. The benefits for the Platinum card differ from RBC Bank Visa Signature Black and Visa Signature Black Plus U.S. cards. You also understand that the Annual Percentage Rate you receive will be determined based on your creditworthiness. To be eligible for and to accept this pre-approved offer you must call 1-855-723-9405 and provide the promotion code PREAPPROVED0526.

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All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black – 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus – Foreign transaction fee does not apply, Visa Platinum – 3.0% of the U.S. dollar amount of the transaction. Late Payment Fee – up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in The Wall Street Journal; current rate is 6.75% as of December 11, 2025.

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Prime Rate: As published in The Wall Street Journal; current rate is 6.75% as of December 11, 2025.

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While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black – 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus – Foreign transaction fee does not apply, Visa Platinum – 3.0% of the U.S. dollar amount of the transaction. 

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Many Canadian credit cards charge a foreign transaction fee of 2.5%, which equals $25 for a $1,000 USD purchase.

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Refer to the Avion Rewards Program Rules provided with your card for details. Avion points are not earned on balance transfers and cash advances.

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When transferring points, points are converted at a 1 to 1 ratio from RBC Bank to Royal Bank of Canada – meaning for every 1 Avion point transferred from your RBC Bank account, you’ll receive 1 Avion point from Royal Bank of Canada. Once points are transferred, points will be guided by the Terms and Conditions of the Avion Rewards program at Royal Bank of Canada. Refer to the Avion Rewards Program Rules [icon] for complete terms, conditions and restrictions that apply, or call 1-888-257-6837.

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1.00% cash back from the RBC Bank Visa Signature Black/Visa Platinum Rewards credit cards and 1.25% cash back from the RBC Bank Visa Signature Black Plus credit card can only be redeemed with Avion points.

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Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.