Overview of the RBC® Visa‡ Classic Low Rate Option

• Minimum income Any
• Household income Any
• Recommended credit score +
• You are a permanent Canadian resident and have reached the age of majority in the province in which you live.

Refer to RBC page for up to date offer terms and conditions

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^ In order to benefit from the 0.99% introductory interest rate on cash advances for 10 months, your application must be submitted via online RBC channels by March 25, 2026 and approved by us. This offer only applies to new applications for an RBC Visa Classic Low Rate Option credit card received between November 26, 2025 and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Visa Classic Low Rate Option credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Visa Classic Low Rate Option credit card during the Offer Period, are not eligible for this offer. Please note this offer is only available online and for approved applications that are submitted via online RBC channels. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set-up with a merchant). All other account activities, including purchases, are subject to the standard account annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory interest rate until your statement is prepared, the next processing day. Once the offer expires: (i) all cash advances; and (ii) any remaining balances, which were subject to the introductory interest rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard interest rate and cash advances at an introductory or promotional interest rate (e.g. a special lower rate balance transfer, or a temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. Please see the RBC Royal Bank Credit Card Agreement for details on how we allocate your payments. . If you miss making any minimum payment by the payment due date and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or promotional interest rate offer(s) in which you are participating and any remaining balance(s) which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement, beginning on the first day of the third statement period after the missed payment. Cash advances do not qualify for Avion® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Balance transfers cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. Please call customer service at 1-800 ROYAL 1-2 (1-800-769-2512) for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.