Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99% (for Quebec 21.99%)
Balance Transfer: 22.99%
Annual Fee
$120
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
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.
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
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
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.