Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

RBCUSD Card

RBC U.S. Dollar Visa Gold

Our take: strongest for groceries and gas — about 1.6% back in value (est.) for $65 a year.

No welcome bonus currently offered

Goes straight to RBC
Our review

The RBC U.S. Dollar Visa Gold is a USD-denominated credit card built for Canadians who regularly spend, travel, or shop in the United States, letting them avoid currency conversion costs on US dollar purchases. Unlike TD’s no-rewards U.S. Dollar Visa, RBC’s version earns RBC Avion Rewards points at a flat rate of 1 point per US$1 spent and bundles in a fuller suite of travel insurance, but that added value comes at a materially higher annual fee than comparable USD utility cards. See how it compares with the other four in our best U.S. dollar credit cards ranking.

3.2out of 5

MoneyMint rating

#5 of 5 U.S.-dollar cards · How we rate

Rewards value

4/10

Insurance

10/10

Flexibility

8/10

Welcome bonus

0/10

Fee value

10/10

Perks

0/10

≈ $329

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

$65 USD/yr$30 USD per additional cardholder

Rewards Rate

1 Avion point per US$1flat rate

Welcome Bonus

None currently offered

Rewards

~1.6%on groceries (est. value)

Foreign Transaction Fee

No conversion fee on USD purchasesUSD-denominated account

Credit Score Needed

Goodestimate; RBC publishes no official minimum

Purchase APR 20.99%

Pros & Cons

Pros

Avoids currency conversion charges on purchases made in US dollars
One of the only major Canadian USD credit cards found to earn a rewards currency (RBC Avion points) rather than being a purely no-rewards utility card
Includes a broader travel insurance package (trip cancellation/interruption, auto rental CDW, delayed baggage, travel accident) than most no-fee USD cards

Cons

$65 USD annual fee is notably higher than TD’s U.S. Dollar Visa ($39 USD) and other bank USD cards (roughly $35 USD)
No welcome/sign-up bonus at this time
Rewards earn rate is flat and modest compared to RBC’s dedicated Avion travel cards; must clear a 2,500-point minimum to redeem

Rewards & Earn Rates

All qualifying purchases (in USD)1 Avion pt/$1Flat rate, no bonus categories

Unlike TD’s no-rewards U.S. Dollar Visa, this card earns RBC Avion points on USD spending and bundles in a fuller travel insurance suite, but its $65 USD annual fee is meaningfully higher than TD’s ($39 USD) and other bank USD cards, so it suits frequent US spenders who’ll actually use the rewards and insurance.

Who It’s For

Best for

Canadians who frequently spend, travel, shop, or receive income in US dollars and want to avoid FX conversion fees
Existing RBC Avion/RBC Rewards members who want to consolidate USD spending into the same points ecosystem
Snowbirds or cross-border commuters who want built-in travel insurance on US dollar spending

Not ideal for

Occasional US shoppers who would come out ahead with a lower-fee or no-fee USD card given RBC’s higher $65 annual fee
Shoppers primarily seeking a strong rewards/cash-back rate — the flat 1 point per US$1 is unremarkable next to dedicated rewards cards

Not Sure? Three Cards People Compare It With

All everyday spending cards →

Meridian Visa Infinite Travel Rewards Card

Pick this instead if most of your spending is groceries (~1.5% est.).

Fee $99Rating 3.3 ★

Read review

Scotiabank American Express Card

Pick this instead if you want no annual fee at all.

Fee $0Rating 3.9 ★Bonus $100

Read review

WestJet RBC Mastercard

Pick this instead if you want a lower annual fee ($39).

Fee $39Rating 2.9 ★Bonus $150

Read review

3.2MoneyMint rating

RBC U.S. Dollar Visa Gold

Best for groceries and gas · $65/year

Apply on RBC’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against RBC’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by RBC and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the RBC U.S. Dollar Visa Gold?

The RBC U.S. Dollar Visa Gold has an annual fee of $65 USD/yr primary; $30 USD per additional/supplementary card.

What is the rewards rate on the RBC U.S. Dollar Visa Gold?

The RBC U.S. Dollar Visa Gold offers: 1 RBC Avion point per US $1 spent on qualifying purchases (flat rate, no bonus categories)

Does the RBC U.S. Dollar Visa Gold have a welcome bonus?

None currently advertised No sign-up bonus found on RBC’s official page or secondary review sites as of research date.

What credit score do I need to qualify for the RBC U.S. Dollar Visa Gold?

Generally, you’ll want a good credit score to be considered for the RBC U.S. Dollar Visa Gold. Approval also depends on income and overall credit history, not credit score alone.

Does the RBC U.S. Dollar Visa Gold charge foreign transaction fees?

No currency conversion fee on purchases made in USD (USD-denominated account)