Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
Balance Transfer: 22.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases^. Apply by July 8, 2025
Our Rating
2.2/5
Institution
RBC
Rewards
- 2% cash back on groceries (maximum $120 cash back yearly then 1%)
- 0.5% cash back on all other purchases for the first $6k spent
- 1% cash back on all other purchases after spending over $6k
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Benefits
Details
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Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Pros & Cons
Pros
- 2% cash back on groceries (up to $6,000 annually).
- No annual fee.
- Instant gas savings: Save 3¢ per litre at Petro-Canada locations and earn 20% more Petro-Points.
- Flexible cash back redemption: Get your cash back on demand when you reach $25 in accumulated rewards.
Cons
- Lower cash back rate: Only 0.5% cash back on non-grocery purchases up to $6,000, and 1% after.
- Limited insurance coverage: Only basic extended warranty and purchase protection.