Annual Fee
$39
Extra Card Fee
$0
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • Earn 1 point for every $1 spent.
  • Earn extra points when you shop at select RBC partners (Carlson Wagonlit and UBER).
  • Convert points to WestJet dollars, Esso Extra points, or Shoppers Optimum points.
  • Redeem points for gift cards, travel, merchandise, and RBC Financial Rewards vouchers.
  • Low annual fee, which is waived if you are a student or an RBC Signature No Limit Banking client.
  • 4 types of included insurance that covers you when you shop, travel, or rent a car.
  • Set spend limits for secondary cardholders.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $500,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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