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Your Co-applicant 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 a Co-applicant are clearly identified.
Earn RBC Rewards® points
or Specialty Rewards even faster!
Co-applicants' 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 a Co-applicant 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.
Co-applicants are able to redeem the points accumulated on
the Visa products offering RBC Rewards. However, co-applicants
on Co-Brand Visa products must abide by the terms of the Partner
Program(s) and only the primary cardholder may redeem Partner
Points or Miles where applicable.
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 a Co-applicant?
A Co-applicant is jointly responsible to RBC for any amounts
owing for purchases, cash advances, fees and interest on the
Visa account regardless of which cardholder incurred the charge.
A Co-applicant is entitled to full account information including
details of transactions made by all cardholders, during the
time for which they were responsible for the account.
A Co-applicant may access information in regards to their
transactions and those made by any other cardholders on the
account via the IVR, by calling Royal Direct and through Online
Banking.
What is an Authorized User?
Click
here for details on adding an Authorized User 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 |
RBC
Royal Bank
c/o Administration Department
P.O. Box 18293, Stn. Brm. B
Toronto, ON M7Y 3J1 |
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:
- An annual fee may apply for the Co-applicant card (see
table below)
- Maximum of 1 Co-applicant is permitted per Account
- Co-applicants may only be added to an account that is
in good standing at the time the request is processed
- Co-applicants are responsible for adhering to the terms
of the cardholder agreement.
Co-Applicant Request Forms:
|
Card |
Form |
Co-applicant
Annual fee |
 |
Visa
Platinum Avion® |
 |
$50 |
 |
Visa
Platinum Preferred |
|
$40 |
 |
Visa
Gold Preferred |
|
$40 |
 |
Visa
Classic II |
|
$0 |
 |
RBC Rewards
Visa Gold |
|
$0 |
 |
RBC Rewards
Visa Classic |
|
$0 |
 |
US Dollar
Visa Gold |
|
$30 US |
 |
RBC Mike
Weir Visa Card |
|
$0 |
 |
British
Airways Visa Platinum |
|
$75
($55 65+) |
 |
Cathay
Pacific Visa Platinum |
|
$75
($55 65+) |
 |
Esso Visa
Card |
|
$0 |
 |
Starbucks Duetto** Visa
Card |
|
$0 |
 |
Visa
Platinum |
|
$0 |
 |
Visa
Gold |
|
$0 |
 |
Visa
Classic |
|
$0 |
|
Visa
Classic Low Rate Option |
|
$0 |
| For RBC Royal Bank Visa
Business and Business Avion cards, please: |
| |
† Exclusive of cash advances, interest
charges, fees or credits.
** Trademark(s) or registered trademark(s) of Starbucks Coffee Company. Used under license.
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