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: N/A
Household: N/A
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 November 25, 2024.
Our Rating
2.9/5
Institution
RBC
Rewards
- 1x point per $1 spent on eligible purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Travel Accident
$500,000
Trip Interruption
$2,500
Trip Cancellation
$1,000
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
- 10 types of insurance coverage, including trip cancellation, travel accident, and rental car theft.
- Save 3 cents per litre at Petro-Canada and earn bonus Petro-Points.
- No income requirements, making it more accessible than the Infinite version.
Cons
- Only earns 1 point per $1 on most purchases, with 1.25 points per $1 on travel.
- Rewards are less valuable if not redeemed for flights or transferred to airline partners.