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Visa Signature® Black card

Visa Signature® Black

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
0% for 6 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The RBC Bank Visa Signature® Black card is a rewards card aimed at a Canadian audience – especially those who frequent the U.S. The card offers no annual fee, a 0% introductory APR, followed by very completive rates after that, and an effective rewards program. Cardholders can expect to earn 1 point for every dollar spent – points which are poolable and redeemable for rewards, travel, or cash back.

Our review of the Visa Signature® Black

The Visa Signature® Black from RBC Bank is a top choice for Canadians who frequently travel to the United States. This rewards card stands out by allowing all transactions to be completed in U.S. Dollars, eliminating the hassle of currency fluctuations

With 1 RBC Rewards point earned for every dollar spent, cardholders can redeem points for gift cards, gadgets, travel, experiences, and more. The unique feature of pooling points with friends and family allows for faster accumulation towards desired rewards. Points can even be converted for 1% cash back to an RBC Royal Bank account.

Cardholders also enjoy Visa’s Signature® concierge service, exclusive car rental booking privileges, and access to the Luxury Hotel Collection. Additional protections include auto rental collision damage waivers and 24/7 emergency and travel assistance services

If you’re a Canadian looking for a rewards card for U.S. purchases, the Visa Signature® Black is a strong option with no annual fee, an initial 6-month 0% APR, and competitive rates for those with excellent credit. Consider the benefits and rewards of this card for your next trip south of the border.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Make transaction in the U.S. dollar and avoid daily currency fluctuations
  • Earn 1 RBC Rewards point for every $1 spent on your card
  • No annual fee
  • Enjoy Visa Signature® concierge service

Who this card may suit

  • You're a Canadian who frequently visits, or makes purchases, in the U.S.
  • You want the excellent service and protections Visa Signature offers
  • You want to work with loved ones to pool points for exciting rewards
  • You want a rewards card with a low APR for purchases

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 6 months from account opening date
Regular Purchase APR18.24% to 24.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 6 months from account opening date
Balance Transfer APR18.24% to 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 3% of each balance transfer, whichever is greater
Cash Advance APR27.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $5 or 3.5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee1.5% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $35
Return Payment Penalty FeeUp to $35

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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Visa Signature® Black

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