Add an Authorized User to your RBC Royal Bank Visa card

Your Authorized User will share all the exclusive benefits, insurance, peace of mind and purchasing privileges offered by your RBC Royal Bank Visa card.

All Your Spending, All On One Convenient Bill

All spending on your Account is consolidated into one monthly bill — making it easier to track spending and manage your Account. Transactions made by Authorized Users are clearly identified.

Earn RBC Rewards^® Points or Specialty Rewards Even Faster!

Authorized Users' purchases earn RBC Rewards or Partner Points or Miles at the same rate as the primary cardholder. So if your card allows you to earn RBC Rewards points or Partner Points or Miles, simply request an Authorized User card for anyone you choose and you could earn more RBC Rewards points or Specialty Rewards for spending^† on your Account. That means you could be even closer to redeeming for great rewards.

Authorized Users of Co-Brand Visa cards must abide by the terms of the Partner Program(s). Authorized Users are not able to redeem the Points or Miles accumulated on the Visa account.

Additional Cardholders

RBC personal credit cards have two types of additional cardholders — Co-applicants and Authorized Users. Both types of additional cardholders may be added to any RBC Visa card with the following exceptions:

Authorized users are not available on the Starbucks Duetto Visa or on any RBC Visa card where the primary cardholder has identified their 'occupation' as being 'student'.

What is an Authorized User?

An Authorized User is not considered a 'borrower' on the account but rather a 'user' attached to the credit card account.
Authorized users are not responsible for any debt on the account but are otherwise responsible to adhere to the cardholder agreement, including some special terms and conditions applicable to authorized users.
When a Primary or Co-applicant adds an authorized user to the account, it is their responsibility to provide them with a copy of the cardholder agreement.
An Authorized User's card activity does not appear on their Credit Bureau.
An Authorized User is able to access the full available credit limit of the Visa account and is able to charge purchases / cash advances to the Visa account
An Authorized User may access information in regards to their transactions via the IVR, by calling Royal Direct and through Online Banking. They do not have access to transactions made by other cardholders on the same account.

As an RBC Visa cardholder, you can now add the Family Card option to your RBC Royal Bank Visa card. This option allows you to provide funds to Authorized Users (up to nine) by setting unique spending limits and monitor spending activity.

To apply, simply complete the appropriate form below and select the "Authorized User to be assigned the following limits" box. For more information about the Family Card Option, please click here.

What is a Co-applicant?

Click here for details on adding a Co-applicant to your account

How to add a Co-Applicant to Your Account

Select your card below to load a PDF form
Print and complete the form (Make sure that both you and your Co-applicant sign the form).

Send the form to us by mail or fax for processing.

Mail & Fax

Mail	RBC Royal Bank c/o Administration Department P.O. Box 18293, Stn. Brm. B Toronto, ON M7Y 3J1
Fax	416-974-2742 or 1-888-769-2512

The Co-applicant's card will be mailed to the address on file for the Primary cardholder.

Please note

Authorized Users may be added to an account by the Primary or Co-applicant
Maximum of 9 Authorized Users are permitted per Account
An annual fee may apply for each Authorized User (see table below)
Authorized Users may only be added to an account that is in good standing at the time the request is processed
Authorized Users are not able to receive a separate monthly statement
Authorized Users are responsible for adhering to the terms of the cardholder agreement.

Authorized User Request Forms:

Family Card Option Request Forms:
Card	Co-applicant Request Form	Co-applicant Annual fee
Visa Infinite* Avion	PDF Form	$50
Visa Platinum Avion	PDF Form	$50
Visa Gold Preferred	PDF Form	$40
Visa Classic II	PDF Form	Free
RBC Rewards Visa Gold	PDF Form	Free
RBC Rewards Visa Classic	PDF Form	Free
U.S. Dollar Visa Gold	PDF Form	$30 USD
RBC^® Mike Weir Visa Card	PDF Form	Free
British Airways Visa Platinum	PDF Form	$75
Cathay Pacific Visa Platinum	PDF Form	$75
Esso Visa Classic	PDF Form	Free
Starbucks Duetto** Visa	PDF Form	Free
Visa Platinum	PDF Form	Free
Visa Classic	PDF Form	Free
Visa Classic Low Rate	PDF Form	Free