Loyalty Program: Asia Miles

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
• Earn 5X the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3x the points on eligible streaming subscriptions in Canada
• Earn 2X the points for eligible gas, public transit and ride sharing purchases in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line^® Amex^TM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

• Get the Card that lets you live in the moment while getting ready for the future. The American Express^® Green Card lets you go for it with every swipe or tap of your Card
• As a new American Express^® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards^® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. That’s $100 towards groceries or concert tickets
• Earn 1x the points on Card purchases
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
• With Amex Experiences^TM and Front Of The Line^® Amex Presale Tickets^®, American Express Cardmembers get access to amazing events in Canada
• Transfer points 1:1 to several frequent flyer and other loyalty programs

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

• Earn up to 40,000 Asia Miles as a welcome bonus: 20,000 Asia Miles on approval and 20,000 Asia Miles after $5,000 in purchases within 3 months
• 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

• 2 Asia Miles for every $1 spent on purchases made in foreign currencies
• 2 Asia Miles for every $1 spent on Cathay Pacific flights
• 5 Asia Miles per dollar on average at thousands of Neo partners across the country
• 1 Asia Mile per dollar on purchases made in Canada
• Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
• Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
• Access over 1,300 airport lounges worldwide with DragonPass
• Avoid queues with Mastercard’s Fast Track service at security checkpoints

Earn up to 55,000 Avion points**(a value of up to $1,100^†) – Enough to fly to any destination in North America or the Caribbean^†

• Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by June 11, 2025.
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3¢ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
• Get access to RBC offers which provides access to earn points faster at specified brands
• Avioners no longer need 14-days to book travel using the RBC grid
• Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

• Get a 12-month complimentary DashPass subscription± – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Redefine what you’ll experience and discover with Platinum.

Earn up to 120,000 bonus Membership Rewards^® points.

• Earn 80,000 Membership Rewards^® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership.
• Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership.
• That’s up to $1,200 in statement credit that can be reinvested in your business

Earn points that you can redeem in a variety of ways.

• Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan^®* and Avios.

Bolster your business with up to $820 in annual business and travel statement credits

• Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.
• Enroll and earn up to $120 in eligible Wireless Credits each year.
• Access a $200 Annual Travel Credit each year of your Cardmembership

Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business – anytime and anywhere

• Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option.
• This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Enjoy special benefits for you and your business.

• Extend payment solutions with Supplementary Cards for your employees.
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
• Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
• Enjoy complimentary benefits that offer an average total value of $600 USD* at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
• Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
• Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
• Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership

Access comprehensive insurance coverage for your travel needs.

• Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
• Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.
• Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.
• Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card

• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection^® Plan
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance^® Protection Plan
• Equip your business with Mobile Device Insurance

• Unlock special experiences with the Platinum^® Card
• Earn up to 100,000 Membership Rewards^® points – that’s up to $1,000 towards a weekend away
  • New Platinum^® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum^® Card Travel Service
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
• Take full advantage of The American Express Global Lounge Collection^TM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion^® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

Earn up to 70,000 Avion* points (a travel value of up to $1,500^†). 70,000 Avion* points are enough for two round-trip tickets to almost anywhere in Canada and the U.S. (flights to Alaska and Hawaii require more points). Taxes and fees extra.^†

• 35,000 Avion Points on approval*
• 20,000 bonus points when you spend $5,000 in your first 6 months*
• 15,000 one-time anniversary bonus points after 12 months of account opening*
• Earn 1.25 Avion points for every dollar you spend.
• Enjoy VIP travel benefits, including the Visa Airport Companion program, which offers you six visits from lounge per membership year for each cardholder registered on your account!
• Plus, fast track security and other benefits at select airports.
• Book flights on any airline, on any flight, at any time. You can also use your points to redeem for vacation packages, hotels, cruises and tours.
• Pick any seat you want from 130+ airlines – with no seat restrictions or blackout periods, even during peak seasons.
• Access more of the world with your 24/7 Visa Infinite Privilege Concierge
• Avion Infinite Privilege card holders have access to book business or first class at a rate of 100 points for $2.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars and British Airways Avios.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
• Get access to RBC offers which provides access to earn points faster at specified brands
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
• Flexibility to book flights last-minute: up to 24hrs before.
• Extensive insurance coverage : Mobile Device Insurance included – up to $1,500. Travel with ease with trip cancellation and trip interruption insurance, and emergency medical. Plus, eligible purchases made on the card are protected.

Get $0 delivery fees for 12 months from DoorDash :

• Add your eligible RBC credit card to your DoorDash account to:
• Get a 12-month complimentary DashPass subscription – a value of almost $120.
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Earn 40,000 bonus Membership Rewards^® points.

• Earn a welcome bonus of 40,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Card membership.
• Plus, earn 10,000 bonus points for each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year.
• That’s $400 in statement credits that you can be reinvestedf in your business.

Earn points that you can redeem in a variety of ways.

• Earn 1 Membership Rewards^® point for every dollar in purchases charged to the Card and get the most out of your business expenses.
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan^®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business – anytime and anywhere

• Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option
• This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 21.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account..

Access comprehensive insurance coverage for your travel needs.

• Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
• Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
• Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection^® Plan
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance^® Protection Plan

Access to coverage for mobile devices purchased for business use.

• Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.

• Earn up to 60,000 Membership Rewards^® points:
• New American Express^® Gold Rewards Cardmembers, earn 5,000 Membership Rewards^® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
• This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
• The Card is now available in your choice of Gold or Rose Gold metal options
• Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
• You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
• As a Gold Rewards Cardmember, you can receive complimentary membership in Priority Pass^TM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
• Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
• Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

Earn up to 55,000 Avion points**(a value of up to $1,100^†) – Enough to fly anywhere in North America or the Caribbean^†

• Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months.** Apply by June 3, 2025.
• Earn 1 Avion point per dollar
• No blackout periods or seat restrictions – ever!