RBC Visa Classic Low Rate Option Card

0.99% on balance transfers for the first 10 months, first year free

Earn a 0.99% balance transfer rate for the first 10 months. No annual fee in the first year.

Minimum spend

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Apply by

November 4, 2026

The apply-by date on the issuer's site (November 4, 2026) has passed. This is what I saw on October 11, 2026, and it needs to be checked again.

This card's data was imported on September 6, 2026 and has not been checked against the issuer's page yet. Check the issuer's website before you apply.

Fees and requirements

Annual fee

$20, first year free

Foreign transaction fee

2.5%

Purchase rate

12.99%

Cash advance rate

12.99%

Income requirement

Not stated

Costco in store

Not accepted (Costco takes only Mastercard in store)

Fees and rates were imported on September 6, 2026.

Included insurance

Extended warranty

1 year

Purchase protection

90 day(s)

Coverage amounts and number of days are as stated in the certificate of insurance.