Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $99
Additional Cards: $0
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Our Rating
2.9/5
Institution
RBC
Rewards
- 1.5% cash back on all purchases on the first $25k spent annually
- 1% cash back on all other purchases after spending over $25k annually
Insurance & Benefits
Insurance
Coverage
Purchase Protection
120 days
Extended Warranty
Up to 2 years.svg)
Car Rental Damage & Theft
yes
Benefits
Details
Airport Lounge - Dragon Pass
Access to +1300 Airport lounges with MasterCard DragonPass - complimentary visits not included.svg)
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
Boingo Wi-Fi hotspot
Over 1 million hotspots worldwide
Mastercard On-Demand and Subscription Services
Pros & Cons
Pros
- 1.5% cash back on all purchases up to $25,000 annually.
- Redeem cash back anytime you have at least $25 accumulated.
- Lower annual fee of $99 for a premium card compared to others in the same category.
- RBC credit card benefits, including fuel savings at Petro-Canada and earning bonus Petro-Points.
Cons
- High income requirements: $80,000 personal or $150,000 household.
- Only 1% cash back after spending $25,000 annually.
- Limited insurance coverage compared to other premium cards.