The RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada is a personal credit card from RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada. The annual fee is $75. The ongoing APR is 16.74% to 23.49% variable, based on creditworthiness (Prime Rate plus a margin between 9.99% and 16.74%; disclosure dated January 2026) after a 0.00% introductory APR for 6 months on purchases and balance transfers, if applicable introductory rate for 6 months. Rewards: 1.5 Avion points for every $1 spent; points redeem for 1.25% cash back, travel, gift cards and more. Typical credit limit: Minimum $5,000 credit line for Visa Signature accounts (a line under $5,000 receives a Platinum account instead).