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Refer & Earn 25%
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Interest Rates
Cash Advance: 22.99% (for Quebec 21.99%)
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$120
Annual Income
Personal: N/A
Household: N/A
Credit Score
Very Good
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.
Card Type
Category: Points
Loyalty Program: RBC Avion
Our Rating
2.9/5
Institution
RBC
Rewards
- 1x point per $1 spent on eligible purchases
Calculating reward breakdowns
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.