Never miss an amazing deal ever again. Receive our weekly newsletter with the latest offers and deals directly to your inbox – subscribe now.

We’re taking a deep dive into the world of travel rewards program once again, this time focusing on the RBC Rewards program.

RBC Rewards not only has the standard option of using your points to book for any travel, but if you have an RBC Avion card you also have access to a flight redemption chart and the ability to transfer to several airline programs.

However, to get the most out of this program, you have to know the best ways to use your points, and have the right credit cards to access the best travel options.

So, let’s take a look at the best ways to maximize the RBC Rewards program.

RBC Rewards at a glance

RBC Rewards point value: High: $0.023 for travel
Low: $0.0058 for statement credits
Ways to redeem RBC Rewards: * Travel booked at RBC Rewards – 1 cent per point (CPP)
* Air Travel Redemption Schedule (Avion) – 2.33 CPP
* Transfer to partner airlines (Avion) – 1.75 CPP
* Transfer to WestJet Rewards – 1 CPP
* Transfer to Hudson’s Bay Rewards – 1 CPP
* Merchandise – 0.87 CPP
* Gift cards – 0.72 CPP
* RBC Financial products – 0.83 CPP
* Statement credits – 0.58 CPP
* Charity – 1 CPP
How to earn RBC Rewards: * Credit Cards
* Transfer Hudson’s Bay points
Who these rewards are good for: * World Travellers
* Value Shoppers
Frequently Asked Questions: * Level of flexibility? High
* Blackout dates? No
* Do rewards expire? No
* Rewards cover taxes and fees? Yes
* Can these rewards be transferred? Yes

Are you getting the most value from your rewards? Download this printable table ‒ and compare the dollar value of Canada’s 20+ rewards programs for FREE.

Calculating the RBC Rewards point value

When it comes to redeeming your points, there’s a multitude of options at your disposal.

With RBC, however, what you can redeem your points for depends on the card you have – a standard RBC Rewards credit card or an RBC Avion credit card.

Redeem RBC Rewards for travel: 1 CPP

As with most points programs, you’ll get the best value for your points when you redeem for travel.

These points can be redeemed for any type of travel through the RBC Rewards site.

100 points will give you a $1 discount, a value of 1 cent per point.

Unfortunately, RBC doesn’t give you the option to book any travel you like and then apply your rewards towards your purchase afterwards, nor do they offer price matching.

Redeem RBC Avion Rewards for travel: 2.33 CPP

When it comes to redeeming for travel, the edge definitely goes to the Avion cards.

Because if you have an Avion card, in addition to being able to book any type of travel, you can use your points through the Air Travel Redemption Schedule – a set amount of points to fly to a set region.

If the base ticket price is more than the maximum ticket price, you can use extra points to cover the flight, where every 100 points redeemed will give you an additional $1 off.

Maximizing this chart can give you a value of 2.33 cents per point, giving you the best value for your points.

Type of Flights Points Required Max Ticket Price Max Point Value
Short-haul Canada & US (between neighboring provinces & states) 15,000 $350 2.33 cents
Long-haul Canada & US (not including Alaska & Hawaii) 35,000 $750 2.1 cents
Western Canada to Mexico, Alaska, Hawaii, Caribbean & Central America 45,000 $900 2 cents
Eastern Canada to Mexico, Alaska, Hawaii, Caribbean & Central America 55,000 1,100 2 cents
Europe (must travel from a major gateway in Canada & US) 65,000 $1,300 2 cents
Rest of the world (must travel from a major gateway in Canada & US) 100,000 $2,000 2 cents

Some downsides:

  • the ticket price in the table only covers the base airfare, meaning you’ll have to pay taxes, fees, and carrier surcharges. However, you can use your points to pay for these – 1 point = 1 cent,
  • you have to book at least 14 days in advance.

Transfer RBC Avion Rewards: 1.75 CPP

Avioners have the option to transfer points to 3 other airlines – all part of oneworld alliance.

The first is British Airways Executive Club. Each RBC points is worth 1 Avios, and you have to transfer a minimum of 10,000 points at a time. We value an Avios at 1.75 cents, giving your RBC Rewards points the same value.

The second is to transfer your points to Cathay Pacific Asia Miles, where the transfer rate and point valuation for British Airways also applies.

The last transfer option is to American Airlines AAdvantage, where 10 RBC points will give you 7 AAdvantage miles. You’ll have the same options as with the other 2 partners. However, since you’re getting less AAdvantage miles, this gives an RBC point value of approximately 1.3 cents.

Related: Your Guide To Big 5 Bank Rewards Programs

Transferring RBC Rewards: 1 CPP

With RBC Rewards, you’re also given the option to transfer your points to select partners.

Transfer RBC Rewards to WestJet Rewards: 1 CPP

All RBC Rewards credit cards allow you to transfer your points to WestJet.

100 points = 1 WestJet dollar, a value of 1 cent per point, which you can use to help pay for any flights and vacation packages at

Transfer RBC Rewards to Hudson’s Bay: 1 CPP

You can also convert your points to Hudson’s Bay Rewards.

Transfer anywhere from 500 to 1,000 points at once, you’ll get double that amount in Hudson’s Bay points.

Since a Hudson’s Bay point is worth 0.5 cents, you’ll get double that – a value of 1 cent.

You can also transfer points the opposite way, and 40 Hudson’s Bay points will give you 10 RBC Rewards points.

Other redemption options

Valuable travel and transferring to partners aren’t the only ways to redeem your rewards, however.

Redeem RBC Rewards for merchandise: 0.87 CPP

If you want to use your points to score free merchandise, RBC Rewards has a large selection, one of the largest of any other rewards program. We checked a number of different products and came to an average point value of 0.87 cents.

RBC Rewards also has a portal to use your points at Apple and Best Buy. The items we surveyed all had the same point value of 0.65 cents, however your points won’t cover taxes.

Item Points Required Price with tax Point value
Mirari MyPad 3,200 $47 1.48
Bruder Granite Cement Mixer 8,933 $113 1.26
Logitech MK850 Performance Wireless Keyboard/Mouse Combo 14,560 $147 1.01
Hamilton Beach Durathon Iron 4,814 $45 0.94
Cuisinart Cordless Double Wall Jug Kettle 9,920 $93 0.93
Philips Hue Wireless Dimmer Switch Kit 5,878 $51 0.87
Sony Portable Wireless Bluetooth Speaker 15,952 $136 0.85
Activision Call of Duty Black Ops 4 – Xbox One 11,160 $90 0.81
Keurig K35 Classic Brewing System 16,800 $136 0.81
Samsung Galaxy Watch 42mm Smartwatch with Heart Rate Monitor 60,160 $407 0.68
13-inch MacBook Air – 128gb* 230,615 $1,499 0.65
iPad Wi-Fi 32GB* 66,000 $429 0.65
Skyrim: Special Edition (Xbox One)* 7,691 $50 0.65
Samsung Sound+ Slim Soundbar 93,600 $565 0.60

Price as found on google, with 13% sales tax added.
* Denotes products found at Apple and Best Buy portals. Price does not include sales tax.

Redeem RBC Rewards for gift cards: 0.72 CPP

When redeeming RBC Rewards for gift cards, they all offer the same valuation, no matter how big or small. Each point is worth 0.71 cents.

Bonus: Redeem for Hudson’s Bay gift cards and receive some bonus points – for every $25 you redeem, you’ll get 50 bonus RBC points. This boosts your point value by 0.1 cents.

Redeem RBC Rewards for financial products: 0.83 CPP

You can also use your points to get RBC Financial Rewards vouchers to use for:

  • adding to your existing investments,
  • mortgage payments, and
  • payments to lines of credit.

A minimum redemption of 12,000 points is required, which will give you a $100 voucher. This gives you a point value of 0.83 cents.

Redeem RBC Rewards for statement credits: 0.58 CPP

If you’re hoping to take a bite out of your credit card bill, you can redeem your points for a statement credit.

17,200 points will give you a $100 statement credit, which gives a point value of 0.58 cents.

Redeem RBC Rewards for Charity: 1 CPP

Using your points for charitable donations is a great option if you have some extra points lying around and you’re not sure what to use them for.

Here are the charities currently available at the time of writing:

  • Hope Air,
  • Own The Podium,
  • Ronald McDonald House Charities, and
  • The David Foster Foundation.

Every point you donate is worth 1 cent, and as an added bonus, you’ll get a tax receipt for your donation.

RBC Rewards credit cards

Besides transferring HBC points, the only other way to earn RBC Rewards points is with a credit card.

RBC has a wide variety of credit cards that can earn RBC Rewards.

One thing they all have in common is that you’ll get an instant discount of 3 cents per litre when getting fuel at Petro-Canada stations, plus a bonus 20% Petro Points. It’s a great way to get some instant gas savings.

Here’s an overview of RBC Rewards cards, and an alternative to consider.

RBC Credit Card Alternative To Consider Why It’s A Better Alternative Learn More
RBC Avion Visa Infinite Privilege Brim World Elite Mastercard Lower annual fee, better insurance coverage, higher value flexible rewards Learn More
RBC Visa Infinite Avion Amex Cobalt Much higher rewards value, no income requirements Learn More
RBC Visa Platinum Avion Scotiabank Gold American Express Earn more rewards Learn More
RBC Rewards Visa Preferred Brim World Mastercard Better rewards and insurance for a lower annual fee Learn More
Signature RBC Rewards Visa MBNA Rewards Platinum Plus Mastercard Earn more rewards and get better insurance for no annual fee Learn More
RBC Rewards+ Visa Scotiabank American Express Get more rewards and insurance Learn More
RBC U.S. Dollar Visa BMO U.S. Dollar Mastercard Pay no annual fee when you spend $1,000 per year Learn More

Related: Best Travel Credit Cards In Canada

RBC Avion Visa credit cards

If you want to get the most out of the RBC Rewards program, a premium RBC Avion credit card is the way to go.

RBC Avion Visa Infinite Privilege

The will offer you the most points for your spending – 1.25 for every dollar and a 25,000 point welcome bonus. Plus, it comes with a great host of Visa Infinite Privileges and a terrific insurance package.
All for its $399 annual fee and household income requirements of $200,000.

Alternative to consider:

RBC Visa Infinite Avion

The earns 1 point for every dollar spent. For a lower annual fee of $120, and income requirements of either $60,000 personal or $100,000 household, you’ll still get a great insurance package and a welcome bonus of 15,000 points.

Alternative to consider:

RBC Visa Platinum Avion

The is nearly identical, but is a great option if you don’t meet the above income requirements.

Alternative to consider:

RBC Rewards Visa credit cards

Looking to collect RBC Rewards but want lower annual fees and income requirements? These are the cards that fill the bill.

RBC Rewards Visa Preferred

For an annual fee of $110, the offers the ability to collect 1 point for every dollar you spend. The best part? It comes with an insurance package that is nearly identical to the .

Alternative to consider:

Signature RBC Rewards Visa

The offers you 1 point for every dollar you spend. However, because it’s a low fee card, $39 annually, it has limited insurance.

Alternative to consider:

RBC Rewards+ Visa

Finally, if a no fee card is what you’re after, the fits the bill. You’ll earn 1 point for every $1 spent on gas, groceries, and drugstore purchases, and 1 point for every $2 spent everywhere else.

Alternative to consider:

RBC U.S. Dollar Visa

If you’re looking for a U.S. Dollar credit card, the is one of the few that earns rewards for all of your purchases – 1 point for every U.S. $1 spent.

Alternative to consider:

RBC Rewards Business Visa credit cards

RBC also gives you the option to earn RBC points on all of your business purchases. If this is something you’re interested in, consider one of these cards:

  • RBC Visa CreditLine for Small Business

Want to see more alternatives to RBC credit cards? You can see more options here.



Here are some common questions and answers about the RBC Rewards program.

How flexible are these rewards?

These are very flexible rewards. Redeem for any travel you like, transfer to airline partners, transfer to a retail partner, and redeem for merchandise, financial products and even statement credits.

Are there blackout dates?

No, there are no blackout dates.

Do these rewards expire?

No, provided your account is in good standing. If you close your account, you have 60 days to use your points.

Can you use points to cover taxes & fees?

Yes, points can be used to pay for taxes and fees.

Can these rewards be transferred?

Yes, these rewards can be transferred to WestJet Rewards and Hudson’s Bay Rewards.

If you’re an RBC Avion cardholder, you can also transfer your points to 3 other airline partners.

We’d love to hear from you

RBC Rewards offers a wide variety of ways to use your points – travel, gift cards, merchandise, and financial services.

Plus, with the option to transfer to airlines and Hudson’s Bay, there’s a redemption option for everyone.

Do you have an RBC Rewards credit card? If so, what have your experiences been?

Let us know in the comments below.