Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99% (for Quebec 21.99%)
Balance Transfer: 22.99%
Annual Fees
Main Card: $120
Additional Cards: $50
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
Welcome Bonus
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account
Our Rating
3.8/5
Institution
RBC
Rewards
- 1.25x points per $1 spent on eligible travel purchases
- 1x point per $1 spent on all other purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,500
Travel Accident
$500,000
Emergency Out of province Medical
15 daysEmergency Medical Over 65
3 days
Trip Interruption
$5,000
Trip Cancellation
$1,500
Hotel Burglary Insurance
$2,500
Baggage Delay
$500
Lost or Stolen Baggage
$500Flight Delay
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Car Rental Damage & Theft
yes
Benefits
Details
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Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Car Rental Discount
Get up to 20% off at Hertz
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall.svg)
Concierge Services
Pros & Cons
Pros
- Generous welcome bonus of up to 55,000 points.
- High point value when redeemed through the Air Travel Redemption chart, with up to 2.33 cents per point.
- Comprehensive insurance package (12 types), including travel medical and mobile device insurance.
- Access to Petro-Canada savings (save 3 cents per litre on fuel) and earn 20% bonus Petro-Points.
Cons
- Only 1 point per $1 spent on most purchases (travel earns 1.25 points).
- Requires using the Air Travel Redemption chart to get the highest point value; other redemptions yield lower returns.
- High income requirements: $60,000 personal or $100,000 household.