wealthgeist
No rewards · Visa
RBC Visa Classic Low Rate Option
No points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $20
- Foreign transaction fee
- 2.5%
- Purchase APR
- 12.99%
Free · No account needed
Sources checked View 1 sources
Borrowing costs or building credit matter more to you than earning rewards.
The rewards estimate does not calculate interest savings, transfer costs or security deposits. Compare those separately before applying.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- No rewards on purchasesSource
- 0% cash back
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
No rewards program
This card does not earn points or cash back. Borrowing offers are not included in the reward estimate.
Welcome offer
We haven’t included a verified welcome offer in this estimate. That doesn’t mean no promotion is available. Check the issuer’s current offer and eligibility conditions.
Check issuer offers ↗Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $20
- Additional card
- $0
- Purchase interest rate
- 12.99%
- Cash advance interest rate
- 12.99%
- Foreign transaction fee
- 2.5%
Who can apply?
- Minimum income
- No minimum stated
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Read the issuer’s full terms ↗Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Fixed 12.99% low interest rate on purchases and cash advances
Terms
Insurance & purchase protection
Coverage has eligibility rules, limits and exclusions. The insurance certificate controls.
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is RBC Visa Classic Low Rate Option worth the annual fee?
It depends on whether the extra rewards and benefits you actually use outweigh the $20 annual fee. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compareSources
Card terms and last checked dates
- rbcroyalbank.com · rbc visa classic low rate option ↗Issuer source · Checked Sep 10, 2026
Page updated Sep 8, 2026. Card terms were last checked on the dates above.
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