Best for: People who spend in US dollars often and want to skip conversion fees
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
- Annual fee
- US$65 a year
Have this card?
Details from RBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source
The good and the bad
Watch for
- Watch for: $65 a year
- Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
We haven’t set a value for points yet, so the bars show points.
What counts in each category
- Everything else (base rate)
- 1 point per $1
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
-
Finder (opens in a new tab) Jan 2022
“The RBC US Dollar Visa Gold was designed for frequent travel to the United States. If you spend a lot of time south of the border, this card can help you avoid the uncertainty associated with daily conversion rates. It also lets you rack up reward points for every dollar you spend. Just keep in mind that unless you have a dedicated USD account with your bank, you’ll still need to convert Canadian dollars into US dollars every time you pay your credit card bill.”
-
5.6
“U.S. dollar credit cards are great if you make a lot of purchases in U.S. funds, either online or in person. Not to be confused with foreign exchange credit cards, they're in American currency, so you aren’t charged foreign transaction fees, but that also means you need to make your payments in U.S. currency as well. For most U.S. dollar credit cards, that's where the benefits stop. However, the RBC U.S. Dollar Gold Visa goes beyond that, which is why we named it the best U.S. dollar credit card for 2020. One thing that really sets this card apart from the competition is that it allows you to earn 1 point for every $1 USD spent on the card – making this the only U.S. dollar credit card that is also a rewards credit card. On top of that, this card comes with a comprehensive insurance plan that includes 8 types of purchase and travel insurance.”
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Trip cancellation Included
- Trip interruption Included
- Baggage delay Included
- Trip Cancellation and Interruption Insurance
- Mobile wallets Apple Pay, Samsung Pay
Coverage limits
We haven’t recorded the coverage limits for this card yet. Read RBC’s insurance certificate before you count on any coverage.
Not included
Not listed for this card: travel medical, flight delay, lost baggage and mobile device.
What it costs
- Annual fee
- US$65 a year
- Purchase interest
- 20.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- US$30
- Billed in
- US dollars
- Cash advance fee
- $3.50, $5.00 fee for cash advances outside of Canada.
- Balance transfer fee
- 3%, Maximum
- Over-limit fee
- US$29
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Balance transfer interest
- 22.99%
- Source
- Issuer page
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: — year one, — every year after.
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American Express Cobalt™
Year one $1,651Every year after $1,396 -
Scotiabank Gold American Express® Card
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National Bank World Elite Mastercard
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See all cards ranked for your spending
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Questions people ask
What is the annual fee on the RBC U.S. Dollar Visa Gold?
US$65 a year. Each extra card costs US$30.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
20.99% on purchases. Cash advances are 22.99%.
Does it include insurance?
It lists extended warranty, purchase protection and trip cancellation and interruption insurance. Read the insurance certificate for the limits.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
Spot something wrong? We’ll check it with the bank. Suggest a correction
Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
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