RBC Visa Signature Black
Quick answer: The RBC Visa Signature Black carries a CA$0 annual fee and 11 catalogued benefits; its best earning category is Everything else at 1x. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Everything else | 1x | 0.7% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Status & Elite Perks (1)
Visa Signature Luxury Hotel Collection
CA$50/yrAccess to the Visa Signature Luxury Hotel Collection — exclusive benefits including room upgrades upon arrival (when available), complimentary in-room Wi-Fi, $25 food/beverage credit, late checkout, and best rate guarantee at 900+ luxury hotels worldwide.
Protections (6)
Trip Cancellation Insurance
CA$100/yrTrip Cancellation and Interruption Insurance up to $5,000 per trip when the full cost of the trip is charged to the card; covers non-refundable travel expenses due to covered reasons such as illness or severe weather.
Cell Phone Protection
CA$100/yrUp to $200 of cell phone protection per claim against damage or theft when you pay your monthly wireless bill with the card. Subject to a $50 deductible.
Travel Accident Insurance
CA$75/yrTravel Accident Insurance provides coverage of up to $500,000 for accidental death or dismemberment while travelling on a common carrier when the full fare is charged to the card.
Auto Rental Collision Damage Waiver
CA$75/yrAuto Rental Collision Damage Waiver covers damage due to collision or theft for most rental cars when the full rental cost is charged to the card and you decline the rental company's collision damage waiver.
Lost Luggage Reimbursement
CA$50/yrLost Luggage Reimbursement up to $3,000 per trip for checked or carry-on baggage that is lost or stolen while travelling on a common carrier when the full fare is charged to the card.
Purchase Security
CA$50/yrPurchase security protection for eligible new purchases against theft, damage, or loss for up to 90 days from date of purchase — up to $500 per occurrence.
Other (4)
Visa Signature Concierge
CA$30/yrComplimentary 24/7 Visa Signature Concierge service for restaurant reservations, event tickets, travel arrangements, gift shopping, and more.
Roadside Assistance
CA$30/yrRoadside dispatch service available 24/7 for vehicle emergencies including towing, jump-start, fuel delivery, and lockout assistance (service fees may apply).
No Foreign Transaction Fees
No foreign transaction fees when making purchases outside the United States.
Cross-Border USD Billing
Cross-border banking designed for Canadians in the U.S. — make transactions in U.S. dollars to avoid daily currency fluctuations; Avion Points transfer 1:1 to your Canadian RBC Avion account. No U.S. credit score or Social Security Number required to apply.
How to track it
Add the RBC Visa Signature Black to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.
Other RBC Royal Bank cards
- RBC Avion Visa Infinite Privilege · CA$399 · 15 benefits
- WestJet RBC World Elite Mastercard · CA$139 · 18 benefits
- RBC Avion Visa Infinite · CA$120 · 12 benefits
- RBC Avion Visa Platinum · CA$120 · 10 benefits
- RBC Cash Back Preferred World Elite Mastercard · CA$99 · 5 benefits
- RBC ION+ Visa · CA$48 · 3 benefits
- WestJet RBC Mastercard · CA$39 · 11 benefits
- More Rewards RBC Visa · CA$0 · 3 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.