Reasons Canadians 
Our U.S. Banking Bundle
- Free, unlimited transfers and instant exchange3 between your Canadian and U.S. RBC bank accounts.
- Free access4 to over 50,000 ATMs nationwide.
- Make U.S. purchases in U.S. dollars with no foreign transaction fees. You can save up to $25 for every $1,000 you spend (compared to using a typical Canadian credit card)5.
- We use your Canadian credit history and address to help you qualify.
Key Features
Direct Checking
U.S. Bank Account
Annual Fee:
$0 with eStatements2
$0 introductory annual maintenance fee for 1 year with an eligible credit card. After the introductory period, an annual fee of $39.50 USD with eStatements or $59.50 USD with paper statements will apply. Transaction limits apply.
- Free and unlimited online CAD <> USD exchange and transfers between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts – 24/7 with no delay3.
- Use your RBC Visa Debit card to get cash at over 50,000 ATMs nationwide.
- Pay your U.S. credit cards and other bills online, from Canada or the U.S.
Visa Signature Black
U.S. Credit Card
Annual Fee: $01
Additional Card: $0
Purchase Rate: Low Introductory APR
0% introductory APR for 6 months. After the introductory period, the Annual Percentage Rate which is Prime Rate plus a margin between 9.99% and 16.74% based on your credit worthiness will apply. This APR will vary with the market based on the Prime Rate8.
- We’ll use your Canadian credit history and your RBC Royal Bank relationship to help you qualify.
- Enjoy built-in insurance coverage that protects your travels, purchases and more when you use your card to pay11. More insurance details
- Earn 1 Avion point for every $1 you spend9.
- Redeem for travel, gift cards, merchandise or 1.00% cash back10.
More About This CardMore About This Card
- Travel with your choice of any airline, any flight, any time when you redeem. No blackout periods or seat restrictions.
- Get emergency cash and card replacement.
- Enjoy travel perks such as signature concierge services to scheduled events and access to tickets.
Apply Online in Just 5 Minutes
Simplify your cross-border lifestyle today with easy U.S. banking.
- Open a Direct Checking U.S. Bank account and apply for an RBC Visa Signature Black U.S. credit card today.
View Legal DisclaimersHide Legal Disclaimers
RBC Bank, Equal Housing Lender 
Member FDIC.
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and 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. 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. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”).
1)
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 7.75% as of November 8, 2024.
2)
Offer period is January 1, 2024 through October 31, 2025 (“Offer Period”). To qualify, client must be a new RBC Bank client, defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and apply for an RBC Bank credit card on the same business day and both accounts must be opened in the name of the Eligible Personal Client. RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply on all RBC Bank products, including funding requirements and other applicable fees. Offer cannot be combined with any other RBC Bank checking offers. Employees of Royal Bank of Canada and their affiliates do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. Only one offer per Eligible Personal Client.
3)
No foreign transaction fees or transfer fees will be charged. Foreign exchange rates apply when converting currencies. Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your account transaction history until the following day but will reflect the date of transfer.
4)
There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees for details.
5)
Based on an average spend of $10,000 per year in the U.S. on a Canadian credit or debit card with a foreign transaction fee of 2.5%, plus two (2) wire transfers per year at a cost of $30/transfer.
6)
Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.
7)
Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov.
8)
Prime Rate: As published in The Wall Street Journal; current rate is 7.75% as of November 8, 2024.
9)
Refer to the Avion Rewards Program Rules provided with your card for details. Avion points are not earned on balance transfers and cash advances.
10)
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.
Refer to the Avion Rewards Program Rules provided with your card for details. Avion points are not earned on balance transfers and cash advances.
11)
All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.