Daniela Hanna
The RBC Visa Platinum (No Fee) is a $0-fee card that trades points for practical protections. You get Purchase Security, Extended Warranty and $500,000 Travel Accident Insurance — plus partner savings at Petro-Canada and Rexall.
Quick highlights
- 🎁 No annual fee — easy to keep long-term.
- 🧳 Travel Accident Insurance up to $500,000.
- 🛍️ Purchase Security & Extended Warranty on eligible items.
- 🤝 Partner perks: Petro-Canada savings & Rexall Be Well™ points; 3-month DoorDash DashPass offer.
Why we like the RBC Visa Platinum (No Fee)
This card keeps things simple: no annual fee, no points to track, and a handful of practical protections. It’s a smart backup or starter card for Canadians who want coverage and convenience.
Stand-out features
- ✅ $500,000 Travel Accident Insurance when travel is charged to the card.
- ✅ Purchase Security (90 days) and Extended Warranty (up to +1 year).
- ✅ Partner offers: save 3¢/L at Petro-Canada and earn 50 Be Well™ points per $1 at Rexall.
- ✅ No annual fee.
Good to know
- ⚠️ No points or cash-back program.
- ⚠️ Standard 20.99% purchase interest rate.
- ⚠️ 2.5% foreign transaction fee on non-CAD purchases.
Pros
- No annual fee.
- Solid insurance for a basic card.
- Partner perks at Petro-Canada and Rexall; limited DashPass promo.
- Visa network acceptance.
- Simple, low-maintenance.
Cons
- No points or cash-back earnings.
- Limited travel coverage beyond accident insurance.
- Foreign transaction fees apply.
Rewards program
- ℹ️ This card does not offer a rewards or cash-back program.
- 🤝 Everyday value comes from linked-partner savings (Petro-Canada, Rexall) and RBC Offers.
How to maximize rewards
- Link your card in the RBC app to activate Petro-Canada fuel savings and Rexall Be Well™ points.
- Use the card for major purchases to leverage Extended Warranty and Purchase Security.
- Pair it with a separate rewards card for earning potential.
- Pay in full monthly to avoid interest, since there’s no rewards offset.
Insurance & benefits
Included
- 🧳 Travel Accident Insurance — up to $500,000.
- 🛍️ Purchase Security — 90 days.
- 🕒 Extended Warranty — up to +1 year.
- 💳 Visa Zero Liability protection.
Not included
- ❌ No emergency medical or trip cancellation/interruption coverage.
- ❌ No rental car collision/loss damage waiver.
- ❌ No mobile device insurance.
Rates & fees
| Annual fee | $0 |
|---|---|
| Purchase APR | 20.99% |
| Cash advance APR | 22.99% |
| Foreign transaction fee | 2.5% |
| Grace period | 21 days on new purchases |
Best for
- 💳 Canadians who want a $0-fee card with baseline protections.
- 🛡️ Users prioritizing warranty and purchase coverage over rewards.
- 🏦 RBC clients seeking a simple backup or starter card.
Where it falls short
- No rewards program.
- Limited travel benefits versus premium cards.
- Foreign transaction fees on non-CAD purchases.
Customer reviews
Positive feedback
“Solid protection for a free card — I use it for electronics and appliances.”
“Easy to keep as a backup; Petro-Canada and Rexall perks are handy.”
Critiques
“No points or cash back makes it less exciting.”
“Wish it had car rental insurance.”
Community insights
Among Canadian cardholders, the RBC Visa Platinum (No Fee) is valued for cost-free ownership and dependable protection. Many pair it with a separate rewards card to capture points while keeping this one for coverage.
AI review (straight talk)
If you don’t care about rewards and just want a dependable, no-fee Visa with useful protections and partner savings, this is a low-risk pick. If rewards matter, combine it with a points or cash-back card.
Alternatives & comparison
| Card | Annual Fee | Top Categories | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| RBC Visa Platinum (No Fee) | $0 | — | — | Purchase & Warranty; Travel Accident; Partner perks | Simple protection |
| BMO CashBack® Mastercard® | $0 | 3% groceries | 0.5% | Flexible redemptions | Grocery spenders |
| Tangerine Money-Back Mastercard® | $0 | 2% custom categories | 0.5% | Category flexibility | Custom earners |
| RBC Cash Back Mastercard® | $0 | 2% groceries | 0.5–1% | Automatic cash back | Simple earners |
FAQ
Is there an annual fee?
No, the RBC Visa Platinum (No Fee) has no annual fee.
What’s the intro offer?
There is no introductory rewards or cash-back offer on this card. Partner promotions (e.g., DashPass) may be time-limited.
What are the ongoing earn rates?
This card does not earn points or cash back. Everyday value comes from partner perks and insurance.
Does it include travel insurance?
Yes — Travel Accident Insurance up to $500,000 is included. Other travel coverages (medical, trip cancellation/interruption, car rental) are not included.
Final verdict & ratings
Our take The RBC Visa Platinum (No Fee) is a practical, no-cost card for warranty and purchase protection, with a few partner savings. Pair it with a rewards card if you want points or cash back.
| Overall | ★★★☆☆ 3.9 / 5 |
|---|---|
| Rewards value | 2.0 / 5 — no rewards, partner perks only |
| Benefits & protections | 4.0 / 5 — strong basics for a free card |
| Fees & costs | 5.0 / 5 — no annual fee |
| Ease of approval | 4.2 / 5 — accessible for most Canadians |
