Network: Visa

Use it to earn it

• 2% cash back on Gas and Grocery
• 2% cash back on Recurring Payments
• 1% cash back on Everything Else

Up to $80 cash back as a welcome bonus:

• $50 cash back when you spend $1,000 in the first three months
• $10 cash back when you set up a pre-authorized payment within the first three months
• $20 cash back for each friend or family member you refer

Use it to earn it

• 1 point on Gas and Grocery
• 1 point on Recurring Payments
• 0.5 point on everything else

Earn up to $40 in points

• Earn up to 2,000 bonus points when you make your first purchase within the first three months and set up a pre-authorized payment.
• Plus, earn 2,000 bonus points when you refer a friend or family member.

No annual fee for the second year.

We’ll refund the $30 annual fee for the second year when you spend $8,000 within the first year after activating the card.

Earn up to $100 in points

In the first 6 months, you’ll earn 10,000 bonus points when you spend $4,000 in net purchases.

Get up to 8,000 bonus points.

Here’s how you can earn more points:

• 2,000 bonus points worth $20 when you make your first net purchase with your card in the first 3 months;
• 2,000 bonus points worth $20 when you set up a pre-authorized payment within the first 6 months;
• 2,000 bonus points worth $20 when you refer a friend or family member; and
• 2,000 bonus points worth $20 when you sign up for Assur-Payment™ within the first 6 months.

Transfer and save

Transfer your credit card balance and get 0.99% interest for 6 months.

• Earn 1 RBC Rewards point for every dollar you spend
• Trade in US dollars – avoid daily currency fluctuations

Make payments or withdrawals and get account updates day and night online, using your smartphone or tablet, or at an ATM. Or manage your card online whenever you like – pay bills, transfer funds, check transactions and much more.

• Earn 1 RBC Rewards point for every $2 in net purchases charged to your card

• Benefit from a low variable interest rate
• Pay no annual fee

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!

• Take advantage of emergency travel assistance
• Pay no annual fee

• 2% in BONUSDOLLARS on purchases in the Restaurant and Pre-Authorized Payment categories (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1%)
• 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
• 1% in BONUSDOLLARS on your other purchases

• No annual fee
• Low-interest