The RBC Visa Platinum is unique in the Canadian credit card landscape, offering a flexible financial tool, credit, and a bevy of features and perks for no annual fee.

RBC Visa Platinum cardholders are eligible for premium vehicle insurance coverage from Aviva General Insurance, and travel insurance from RBC. Primary users are also qualified for RBC value-added services, with special offers from some of the biggest brand names in fashion, dining, and car rentals, like Roots, Saks Fifth Avenue, The Keg, Thrifty and more.

Pros and cons

Pros

Pros

  • $0 annual fee

  • Discounts on fuel and extra Petro-Points

  • Premium vehicle and travel insurance

  • Exclusive discounts from top brands

  • Sizeable credit limit up to $50,000

  • Free additional card

  • Easy setup for exclusive offer notifications

Cons

Cons

  • Limited focus on perks and privileges

  • No extensive bonus programs

  • May not suit those seeking complex rewards systems

  • Limited emphasis on extravagant benefits

Notable perks

  • $0 annual fee
  • Discounts of up to 3¢/L on fuel1 and 20% more Petro-Points guaranteed at Petro-Canada2 after linking to the RBC Visa Platinum Card
  • Emergency travel assistance and optional value-added services, including BalanceProtector Max Insurance, Identity Theft & Credit Protection, and RBC Road Assist
  • Sizeable credit limit of up to $50,000
  • Free additional card
  • Easy to set up notifications on mobile or email for exclusive offers from participating merchants

Who’s the card for?

The RBC Visa Platinum is a great fit for those who want access to simple credit with few frills and no costs. Instead, the card focuses more on providing practical protections and privileges, and offers little complication to those who would prefer to avoid complicated rewards systems, bonuses, and the caveats that come with.

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About our author

Leora Raivich
Leora Raivich, Author

Calgarian Leora Raivich loves sharing her insight on a variety of topics in finance, technology, fashion, lifestyle, transportation and a range of other industries. Inspired by brilliant authors like Mark Twain and Hemingway, you can find Leora writing blog posts, articles, social media, academic pieces and much more on a daily basis.

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