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Start Saving on Interest Charges
Our low interest rate credit card helps you save money while enjoying great RBC deals and benefits.
Card Highlights
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.
See How Your Interest Savings Could Add Up
Let’s say you have a balance of $4,000 on your credit card.
A credit card with a basic 20.99% interest rate
Your payment over 10 months: $699
LIMITED TIME OFFER
The RBC Visa Classic Low Rate Option Credit Card with a 0.99% interest rate
Your payment over 10 months: $339
Your savings over 10 months: Up to $661
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
Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall5
More Details and Benefits
Your RBC Visa Classic Low Rate Option card includes Purchase Security and Extended Warranty Insurance.
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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.
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.
Why Choose an RBC Low Interest Rate 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.
Get the RBC Visa Classic Low Rate Option
Apply online in five simple steps and get your results in under a minute.
Explore Even More Rewards Credit Cards
Need Help Deciding?
Help Me ChooseFrequently asked questions
If you need to access funds available to your RBC credit card account, now for a limited time you can, at a lower interest rate of 0.99% for the first 10 months after your credit card is open. The introductory interest rate is applicable to cash advances, (including balance transfers) only, and is not applicable to purchases made on the card, as purchases will be charged the regular purchase rate.
The introductory interest rate offer is applicable to all cash advances, and there are several ways to make a cash advance. You can transfer your available funds to:
- Your Royal Bank account to be used like cash
- Your bank account at another Canadian bank
- Pay down your higher interest rate credit cards (other than an RBC credit card)
- Make bill payments to payees available through RBC Online Banking (other than pre-authorized payments)
You can also take advantage of this offer by calling 1-800 ROYAL® 1-2 (1-800-769-2512) or visiting RBC® Online Banking at rbcroyalbank.com/online during the offer period.
A $5 cash advance fee per transaction applies and will be charged to your RBC Royal Bank credit card.
You can make as many cash advances as you want, up to the available credit limit on your RBC credit card account. If a cash advance exceeds your credit card account’s available credit limit, it will be declined.
A $5 cash advance fee will apply to each transaction and will be charged to your RBC Royal Bank credit card.
If your credit card balance consists of purchases at the standard purchase rate and cash advances at an introductory interest rate, any payment that exceeds the minimum payment will be allocated to the balances in a proportionate manner. For example, if your purchases balance at the regular purchase rate is $800 and you have a cash advance of $200 at an introductory interest rate, proportionate allocation means that 80% of your payment will be allocated to your purchases balance and 20% will be allocated to your cash advance balance.
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 introductory interest rate offer and any remaining balance(s) 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.
