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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

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

3. 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

4. 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:

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

For RBC Royal Bank Visa Business and Business Avion cards, please:

• Contact your nearest Business Banking Centre
• Call us at 1-800-769-2520

^† Exclusive of cash advances, interest charges, fees or credits.

** Trademark(s) or registered trademark(s) of Starbucks Coffee Company. Used under license.