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Personal Visa Credit Card Products

Add a Co-applicant to your RBC Royal Bank Visa card

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
    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

  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:

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:

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.

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  Insurance Certificates

 

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