Earn RBC Rewards points
You can earn RBC Rewards points on a number of credit cards linked to this loyalty program.
Note that there are 2 types of RBC Rewards credit cards:
- Rewards: Points earned with these cards cannot be used for travel or for transferring points to other programs
The best known is the RBC Avion Visa Infinite Card:
Use RBC Rewards points
There are three main uses for RBC Rewards points:
- For the purchase of trips
- For the transfer of points to other programs
- For the purchase of gift cards
Other uses are not optimal.
Paying for Travel with RBC Rewards points
RBC Rewards points can be used to purchase travel in two ways:
- Through the fixed reward chart
- Through the flexible reward chart
The RBC Rewards Fixed Reward Chart
This is how you’ll get the most out of your RBC Rewards points.
RBC offers a fixed reward chart divided into 6 levels depending on the type of flight :
|Type of flight||RBC Points required||Maximum ticket price excluding taxes|
Any flight within a province, territory or U.S. state, or to a contiguous province, territory or U.S. state
|Discover North America
Any flight anywhere in Canada or the United States, except Hawaii or Alaska.
Western Canada or U.S. to Mexico, Hawaii or Alaska, Eastern Canada to Bermuda, Central America or the Caribbean
|Go on holiday
Eastern Canada or United States to Mexico, Hawaii or Alaska, Western Canada to Bermuda, Central America or the Caribbean
Any flight from a major point of departure in Canada or the United States to destinations in Europe
Any flight from a major point of departure in Canada or the United States to destinations in Asia, Australia, New Zealand, the South Pacific, the Middle East, Africa or South America.
What is most interesting, is when the fare of the flight you want to book is close to the maximum amount (excluding taxes and surcharge ).
For example, here’s an airline ticket I booked to redeem 70,000 RBC points that I had earned.
This is a flight from Montreal to Las Vegas for a weekend. The rate is 35,000 RBC points(“Discover North America” level in the chart above) and $164.85 in taxes.
Flights are direct, operated by Air Canada Rouge (but sold by United).
When looking at the details of the fare on ITA Matrix (to get the ticket price + taxes applied), we see that the ticket price is $370 + $345 = $715 (below the maximum allowed by RBC of $750 for 35,000 point tickets):
The taxes are within a few cents of those charged by RBC (approximately $165).
Here, 35,000 RBC points saved me $715.40. This values my use at 2 cents / RBC point (you can hardly get more!).
The RBC Rewards Flexible Reward Chart
RBC points can also be used through the flexible reward chart. This is the famous “100 points = $1”.
Here, the 35,000 RBC Rewards points earned as a welcome bonus can be used for $350 off your trip.
Just use this when you:
- Redeem points for travel rewards without using the Air Travel Rewards Redemption Schedule;
- Redeem points for a hotel stay, car rental, cruise or vacation package;
- Redeem points for one-way, business or first class airfare;
- Book your trip less than 14 days in avance;
- Pay more than the maximum dollar value set for a category;
- Pay all taxes, fees and surcharges.
Converting RBC Rewards points to other programs
One of the strengths of the RBC Rewards Travel program is the ability to convert RBC Rewards points to other partner programs such as American Express or Marriott Bonvoy.
Here are the transfer partners and the normal exchange rate.
|Frequent Flyer program||Conversion rate|
|1,000 points = $10 Westjet dollars|
|10,000 points = 10,000 Avios miles|
|10,000 points = 10,000 Asia miles|
|5,000 points = 3,500 AAdvantage miles|
|5,000 points = 10,000 points Hudson Bay Rewards|
From time to time, RBC Rewards organizes point conversion promotions such as +30% to British Airways Executive Club. So keep an eye out for these promotions to convert your points at the best possible rate!
Buying gift cards with RBC Rewards points
If travel purchases with points aren’t for you… there’s another way to use your RBC Rewards points: purchasing gift cards.
We don’t usually recommend this method for valuable points like American Express Membership Rewards, but at RBC Rewards there are regular gift cards promotions!
And indeed, it was a good plan: with 18,750 points you could get a $250 hotels.com gift card.
With the RBC Avion Visa Infinite, you can earn 35,000 RBC Rewards points upon approval with no minimum spend required. This is a value of up to $750.
You can use your RBC Rewards points for travel or redeem them with other loyalty programs such as American Airlines AAdvantage, British Airways Executive Club, Cathay Pacific Asia Miles or WestJet Rewards. For example, with the current welcome offer, you can earn the equivalent of 35,000 British Airways Avios Miles or 350 WestJet Dollars.
With the RBC Avion Visa Infinite Card, you earn 1 point per dollar and 1.25 points on travel purchases.
And you’ll benefit from a wide range of insurance coverage: Trip Cancellation and Interruption Insurance, Out-of-Province/Country Emergency Medical Insurance, Rental Vehicle Collision/Loss Damage Insurance, Mobile Device Insurance.