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RBC Visa Classic Low Rate
VISALow interest for carrying a balance
RBC Visa Classic Low Rate
6.5Canada Cards ScoreGoodOffer Available: $20 Annual Fee Waiver
Annual fee $20Purchase APR 12.99%Verified 2026-06-13
Apply on RBC Royal Bank →Why get this card
- ✓Low 12.99% purchase rate
Pros
- +Low 12.99% purchase interest rate
Cons
- -$20 annual fee
- -No published earn rate
Earn rates
No earn rates captured.
Welcome offer
Offer Available: $20 Annual Fee Waiver
- Bonus points
- —
- Minimum spend
- —
- Spend window
- —
- Offer ends
- —
$20 annual fee waiver offer
Fees
- Annual fee
- $20
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 12.99%
- Cash advance APR
- 12.99%
- Balance transfer APR
- 12.99%
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 2
- purchase security
- extended warranty
Redemption & eligibility
- Reward currency
- —
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
6.5Good- Everyday earn rateWeight 30
No published earn rate
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$20 annual fee
- Benefits depthWeight 15
2 insurance coverages
- Interest costWeight 10
12.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the RBC Visa Classic Low Rate worth it?
- It carries a $20 annual fee. Low 12.99% purchase rate. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the RBC Visa Classic Low Rate?
- The annual fee is $20. The purchase interest rate is 12.99% and the cash advance rate is 12.99%. These are sourced from RBC Royal Bank's official page.
- What rewards does the RBC Visa Classic Low Rate earn?
- This card does not focus on rewards; see its fees and rates above.
More ways to compare
Official sources
Every figure on this page comes from RBC Royal Bank's own pages. Last checked 2026-06-13.
Cited, never sponsored
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