RBC U.S. Dollar Visa Gold
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The RBC U.S. Dollar Visa Gold card is designed for frequent U.S. travelers, providing 1 Avion point per $1 spent on qualifying purchases and no foreign transaction fees for USD purchases.
Welcome Offer
No specific welcome offer detailed.
Summary
This credit card comes with an annual fee of $65 USD. It has a purchase interest rate of 20.99% and a cash advance rate of 22.99%. These rates apply to your outstanding balances, so managing your spending and timely payments can help you avoid extra charges.
Rewards
The RBC U.S. Dollar Visa Gold credit card allows you to earn 1 Avion point for every $1 spent, helping you accumulate rewards quickly. You can also earn bonus points on purchases at selected retailers, maximizing your rewards potential.
Benefits
With the RBC U.S. Dollar Visa Gold credit card, you get instant fuel savings at Petro-Canada, making it cost-effective for frequent drivers. You’ll earn more points on purchases at Rexall and enjoy perks with DoorDash. Additionally, you can link your card for extra savings and bonus points, enhancing your rewards and benefits.
Insurance
- Comprehensive travel insurance
- Auto rental collision insurance
Editor’s Review
RBC U.S. Dollar Visa Gold Review
The RBC U.S. Dollar Visa Gold is ideal for frequent travelers and shoppers who frequently transact in U.S. dollars. It allows you to avoid foreign transaction fees and provides the convenience of paying your balance in U.S. dollars. With comprehensive travel insurance and the ability to earn Avion points, it offers a range of benefits.
Key Features
- Annual Fee: $65 USD
- Interest Rates:
- Purchases: 20.99%
- Cash Advances: 22.99%
- Rewards:
- 1 Avion point per $1 spent on eligible purchases
- Earn bonus points with selected retailers
Benefits
- Travel Perks:
- Travel accident insurance
- Trip cancellation/trip interruption insurance
- Emergency purchases insurance
- Auto rental collision and loss damage insurance
- Additional Features:
- Instant fuel savings at Petro-Canada
- Earn more Be Well points at Rexall
- 3-month complimentary DashPass subscription from DoorDash
Security Features
- RBC’s credit card lock
- Zero liability for unauthorized transactions
- Chip & PIN technology
Pros and Cons
Pros
- Avoids foreign transaction fees
- Earns Avion points on all purchases
- Comprehensive travel insurance
Cons
- Annual fee in U.S. dollars
- High interest rates on cash advances
Who Is This Card For?
This card is best for those who frequently make purchases in U.S. dollars, travel often, and want to avoid foreign transaction fees while earning rewards. It’s especially valuable for travelers who need robust insurance coverage.
Comparison Table
| Feature | RBC U.S. Dollar Visa Gold | TD U.S. Dollar Visa Card | Scotiabank U.S. Dollar Visa Card |
|---|---|---|---|
| Annual Fee | $65 USD | $39 USD | $35 USD |
| Purchase APR | 20.99% | 19.99% | 19.99% |
| Rewards | 1 Avion point per $1 | None | None |
| Foreign Transaction Fee | None | None | None |
| Travel Insurance | Comprehensive | None | None |
Final Verdict
The RBC U.S. Dollar Visa Gold is a robust option for those looking to avoid foreign transaction fees and earn rewards on U.S. dollar purchases. With a range of travel-related benefits and comprehensive insurance coverage, it provides significant value for frequent travelers. The annual fee is justified by the benefits offered, making it a compelling choice for the right user.
Score: 8.5/10
Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.
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