American Express EssentialTM Credit Card vs RBC Visa Classic Low Rate
| American Express EssentialTM Credit Card | RBC Visa Classic Low Rate | |
|---|---|---|
| Issuer | American Express | RBC Royal Bank |
| Network | American Express | Visa Classic |
| Annual fee | No fee | $20 |
| Purchase APR | 12.99% | 12.99% |
| Cash advance APR | 12.99% | 12.99% |
| FX fee | — | — |
| Welcome (est. value) | — | See offer |
| Top earn rate | — | — |
| Lounge visits | — | — |
| Min. income | — | — |