Network: Mastercard

  • Earn 1.5% in CT Money when you buy groceries (on the first $12,000 per year; excluding Costco and Walmart stores
  • Get 4% on eligible purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores
  • Get 5¢ per liter in CT Money at participating Husky gas bars, Gas+ and Gas+ stations every time you fill up
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Earning Rate
  • Groceries1.5CT Money
  • All Spending0.8CT Money
  • Gas0.8CT Money
Value
  • Year 1 $226
  • Year 2+ $226
Best For
Transfer Partners
  • Canadian Tire Triangle

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 3% in CT Money when you buy groceries (on the first $12,000 per year; excluding Costco and Walmart stores
  • Get 4% on eligible purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores
  • Get 7¢ in CT Money on a liter of premium gasoline, and 5¢ per liter on other types of fuel at participating Gas+, Gas+ and Husky gas bars
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Earning Rate
  • Groceries3CT Money
  • All Spending0.8CT Money
  • Gas0.8CT Money
Value
  • Year 1 $298
  • Year 2+ $298
Best For
Transfer Partners
  • Canadian Tire Triangle

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 2% cash back on purchases charged to your card for the first three months.
  • Earn 1% cash back on purchases charged to your card after three months.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Earning Rate
  • All Spending1%
  • Groceries1%
  • Gas1%
Value
  • Year 1 $240
  • Year 2+ $240
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 25 PC Optimum points / $ at Shoppers Drug Mart
  • 10 PC Optimum points / $ at Loblaw stores
  • 20 PC Optimum points / $ from PC Travel
  • 30 PC Optimum points / liter of gas at Esso / Mobil
  • 10 PC Optimum points / $ everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.97 %
  • Cash Advance Rates 22.97 %
  • Balance Transfer Rates
Earning Rate
  • Drugstores25Points
  • All Spending10Points
  • Groceries10Points
Value
  • Year 1 $240
  • Year 2+ $240
Best For
Transfer Partners
  • Optimum

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 35 PC Optimum points / $ at Shoppers Drug Mart
  • 20 PC Optimum points / $ at Loblaw stores
  • 20 PC Optimum points / $ from PC Travel
  • 30 PC Optimum points / liter of gas at Esso / Mobil
  • 10 PC Optimum points / $ everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.97 %
  • Cash Advance Rates 22.97 %
  • Balance Transfer Rates
Earning Rate
  • Drugstores35Points
  • Groceries20Points
  • All Spending10Points
Value
  • Year 1 $288
  • Year 2+ $288
Best For
Transfer Partners
  • Optimum

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Welcome offer: 150,000 PC Optimum points when you spend $3,000 or more using your new PC Insiders™ World Elite Mastercard® anywhere within the first 4 months.
  • Unlimited $0 online grocery delivery and pickup with a complimentary PC Express Pass (valued at $99.99 per year), valid on eligible orders of $35 or more.
  • 50 PC Optimum points per dollar spent at Shoppers Drug Mart
  • 40 PC Optimum points per dollar spent in Loblaw stores
  • 30 PC Optimum points for every $1 in purchases from PC Travel
  • 30 PC Optimum points per litre of gas at Esso/Mobil
  • 10 PC Optimum points per dollar of purchases everywhere else
Annual Fee
  • Primary card $120
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.97 %
    21.97 % (QC)
  • Balance Transfer Rates
Earning Rate
  • Drugstores50Points
  • Groceries40Points
  • All Spending10Points
Value
  • Year 1 $336
  • Year 2+ $336
Best For
Transfer Partners
  • Optimum

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
10 day(s)
Travel medical insurance up to 64 years old
10 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • Earn up to 1.5% cash back on all your purchases
  • Get unlimited cash back, no limit to what you can get back
  • Get exclusive benefits and offers4 from a variety of on-demand apps and subscription services, like foodora and Ritual.
  • Premium purchase protection for 120 days
  • Extended warranty triples the manufacturer’s original Canadian warranty
  • Protect your rental car with Auto Rental collision/Loss Damage Insurance
  • Instantly save 3₵ per litre on gas & earn 20% more Petro-Points when you link your Petro-Points card to any RBC Card online.
Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $99
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1.5%
  • Groceries1.5%
  • Gas1.5%
Value
  • Year 1 $261
  • Year 2+ $261
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Unlimited cash back on your spending*

  • 2% cash back on groceries*
  • Up to 1% cash back on all other qualifying purchases and pre-authorized payments
  • No annual fee
  • Link your RBC card with a Petro-Points membership and instantly save on fuel at Petro-Canada stations and earn 20% more Petro-Points

Get $0 delivery fees for 3 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 3-month complimentary DashPass subscription – a value of almost $30
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Exclusive savings and rewards

  • Become an Avion Rewards Premium member when you get the RBC Cash Back Mastercard.
  • Download the Avion Rewards app to activate your membership and get access to points, cash back deals, and savings all in one program.
  • Plus, download the Avion Rewards ShopPlus browser extension to save with cash back deals right where you shop online from 1,900+ retailers.
Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates
Earning Rate
  • Office Supplies10.5%
  • Groceries2%
  • All Spending0.5%
Value
  • Year 1 $192
  • Year 2+ $192
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 4% cash back on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1%)
  • 3% cash back on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1%)
  • 3% cash back on purchases in the Entertainment and Public Transit categories
  • 1% cash back on your other purchases
Annual Fee
  • Primary card $100
  • Additional card $30
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Groceries4%
  • Dining and Food delivery3%
  • Local Transport3%
Value
  • Year 1 $322
  • Year 2+ $322
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
  • 2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on your other purchases
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2%
  • Local Transport2%
  • Entertainment2%
Value
  • Year 1 $203
  • Year 2+ $203
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Make your purchases in US dollars
  • Purchase Insurance
  • Accepted at Costco
Learn More
  • Eliminate the uncertainty of currency fluctuations
  • Fee Reduction Offer: Buy for only $3,000 USD with your card during the year, and we’ll pay the following year’s annual fee for you*.
  • Zero Liability safeguards you if there is any monetary loss resulting from fraudulent card use.
  • Acceptance at more than 30 million locations in the U.S., Canada and worldwide
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $49
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Value
  • Year 1 $-49
  • Year 2+ $-49
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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