Platinum Credit Cards

Whether you plan to use a credit card for major purchases, everyday convenience or just for emergencies, we have a card that meets your needs.

RBC Bank Platinum Credit Cards come with our RBC Rewards program, which lets you earn points toward free flights, hotel stays, gift cards and more. With easy access to all of your transaction information through Online Banking, you can use your card with confidence. You can earn points faster, combine points, enjoy travel without restrictions and more! Every purchase brings you closer to great rewards when you use an RBC Bank Visa* Platinum Credit Card. From gasoline fill-ups and grocery runs to furniture and Internet service, every purchase dollar you spend using your card means more points toward valuable rewards.¹

There are hundreds of ways to reward yourself; enjoy great shopping, terrific dining, exciting adventures and more. Rewards include: free flights, hotel stays, gift cards and national retailers, cruises, vacation packages and weekend getaways and car rental certificates (some restrictions may apply).

What's really exciting about the RBC Rewards Program is that unlike any other credit or check card rewards program, only RBC Bank now lets you pool your points.

• Combine your personal credit and check cards into one account so you can earn even faster.
• Only RBC Rewards lets you invite others to join your pool! You can combine your personal RBC Rewards account with any other RBC Rewards cardholders. Simply go to www.rbcbankusaredemption.com to combine your accounts or invite your friends and family to join your pool!

The RBC Rewards program is FREE but if you want to earn rewards even faster, apply for RBC Rewards Plus for a low annual program fee of $55 to earn 50% more points with every purchase.

RBC Bank Platinum Credit Cards include these convenient benefits:

• RBC Rewards or RBC Rewards Plus
• Free Online Banking
• Free additional cards
• Receive special discounts when you use your Visa Platinum Credit Card
• Balance transfers
• Convenience checks
• Cash access at ATMs worldwide, wherever Visa credit cards are accepted

Select the RBC Bank Credit Card That’s Right For You

Summary of Credit Terms

Interest Rates & Interest Charges	Visa Platinum Rewards	Visa Platinum Rewards Plus
Annual Percentage Rate (APR) for Purchases and Balance Transfers	2.9%3 introductory APR for six months when you open your account. After that, your APR will be 9.99% to 18.24% based on your credit worthiness. This APR will vary with the market based on the Prime Rate4.
APR for Cash Advances	19.99% This APR will vary with the market based on the Prime Rate.5
Penalty APR and When it Applies	The higher of 28.99% per annum or the Prime Rate plus 24.99%.6 This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for the above reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 21 days after your account statement is mailed or otherwise delivered to you. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. There is no grace period for balance transfers or cash advances.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees	Visa Platinum Rewards	Visa Platinum Rewards Plus
Annual Rewards Plus Program Fee	$0	$55 NOTICE: This fee may be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $500, your initial available credit will be only $445.
Transaction Fees: Balance Transfer Cash Advance Foreign Transaction	Either $10 or 3% of each transfer, whichever is greater (maximum fee: $99). Either $5 or 3.5% of the amount of each cash advance, whichever is greater. 3% of the U.S. Dollar amount of the foreign transac­tion regardless of whether the transaction is made in U.S. Dollars or in a foreign currency.
Penalty Fees: Late Payment	A Late Payment fee is assessed based on the minimum payment due, as follows: $19 for minimum payments due which are equal to or less than $100.00. $29 for minimum payments due which are greater than $100.00 and equal to or less than $250.00. $35 for minimum payments due which are greater than $250.00.
Penalty Fees: Returned Payment	$35
Other Features & Benefits	Visa Platinum Rewards	Visa Platinum Rewards Plus
FREE RBC Rewards	$1 = 1 Point 500 Welcome Bonus Points2	N/A
RBC Rewards Plus	N/A	$1 = 1.5 Points 1000 Welcome Bonus Points2
Warranty Manager Service
Travel Accident Insurance
Visa Assistance Center
Auto Rental Insurance
Travel & Emergency Assistance
Roadside Assistance
Emergency Card Replacement
Emergency Cash Disbursement
Free Year End Statement

Personal Cardholder Agreement

¹ Rewards Points not earned on balance transfers or cash advances.

² RBC Rewards Welcome Bonus Points awarded with your first purchase.

³ Introductory APR: The fixed introductory APR shall apply to purchases and balance transfers for the first 6 monthly billing cycles following the date your account is established. Thereafter, the APR for all outstanding indebtedness and new balances relating to purchase and balance transfer transactions shall be the then-applicable variable APR.

⁴ Prime Rate: As published in the Wall Street Journal, Eastern Edition, on the 20th day of the preceding month; current rate is 3.25% as of January 19, 2010.

⁵ The APR for Cash Advances will be the higher of 19.99% or the Prime Rate plus 15.99%.

⁶ When permitted by applicable law, the APR imposed on purchases, cash advances, and balance transfers will be increased to the Penalty APR if we fail to receive your minimum payment shown on your monthly statement within 60 days after the due date for such payment. The Penalty APR will apply to all outstanding indebtedness and new balances for at least the next 6 months.

You understand that this offer to establish a credit card account is on behalf of RBC Bank (Georgia), N.A., P.O. Box 1220, Rocky Mount, NC 27802-9986. If an account is opened, the lender on the account will be RBC Bank (Georgia), N.A. (hereafter, “we,” “us,” or “RBC Bank”). You understand that the use of any card issued in connection with this offer will constitute your acceptance of and will be subject to the terms and conditions of the Cardholder Agreement that will be sent with the card. You agree to be responsible for all charges incurred according to the Cardholder Agreement. You understand that the terms of your account are subject to change as provided in the Cardholder Agreement. We may communicate information about our experiences and transactions with you to consumer reporting agencies and third parties, to the extent permitted by law. At certain income and credit line levels, proof of employment or income verification may be required. This information was posted in January 2010 and was accurate as of that date and is subject to change after that date. Call RBC Bank at 888-257-6837 to find out what may have changed.

Cards are subject credit to approval.

*RBC Bank is licensee of the trademark.