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Apply Now®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All trademarks are the property of their respective owner(s).
† To get a short-haul flight to any adjoining province/state in Canada or the U.S, you will need a total of 15,000 RBC Rewards points, for a maximum ticket price of $350. To receive the 15,000 bonus RBC Rewards points which will appear on your first statement, your application form must be received and approved by us. Additional cardholder(s), as well as cardholder(s) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Visa Infinite Avion card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with another offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit www.rbc.com/travelredemption 
. Some restrictions apply. For complete terms and conditions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
* RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
^ Subject to credit approval. If you are a Primary Business Cardholder on a Visa Business Platinum Avion account (“Business Avion”) and you also are the primary cardholder on a personal Visa Platinum Avion or Visa Infinite Avion account (“Personal Avion”), the annual fee of either your Business Avion or Personal Avion card, at your choice, will be rebated from $120 to $50, every year, as long as you remain a Primary Business Cardholder on the Business Avion account and a primary cardholder on the Personal Avion account and both cards are in good standing. If you have more than one Personal Avion or Business Avion cards, the annual fee of that additional card will continue to be $50. No rebate will be applied retroactively, which means that depending on which card you want the rebate to be applied to, you may have to wait to your next annual renewal to benefit from the rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time.
~ All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC Rewards program please visit: https://www.rbcrewards.com/terms-and-conditions/index-na.html or call 1-800-769-2512.
◊ Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions
1) Coverage underwritten by RBC Insurance Company of Canada.
2) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s). Registered trademarks of WestJet Airlines Ltd. WestJet dollars is a registered trademark of WestJet Airlines Ltd.
^ If you are a post secondary student and an owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each, an “Eligible Student Bank Account”) and the primary cardholder of either the Signature® RBC® Rewards Visa‡ credit card, RBC Visa Cash Back credit card or WestJet RBC MasterCard credit card (each, an “Eligible Student Credit Card”), you may be entitled to a rebate towards the annual fee of your Eligible Student Credit Card, every year. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.
To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, every year, you must: i) complete the Student Information section of the credit card application form in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies.
| Eligible Credit Cards | Annual Fee Rebate |
|---|---|
| Signature® RBC Rewards® Visa‡ | $39 |
| Visa Cash Back Card | $19 |
| WestJet RBC® MasterCard‡ | $39 |
You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.
Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.
* As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary Signature RBC Rewards Visa cardholder, the $39 annual fee of your Signature RBC Rewards Visa card will be fully rebated, every year, as long as your eligible credit card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
† RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
§ Bonus points are RBC Rewards points earned on purchases made at retailers linked from the RBC Rewards eMall and are in addition to standard RBC Rewards points you earn per dollar when you make a purchase with your RBC Rewards credit card. The list of participating retailers and offers is subject to change without notice. Participating retailers, not Royal Bank of Canada, establish the rules for each bonus points offer. For complete terms and conditions visit www.rbcrewards.com .
** All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).
◊ Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions
1) Coverage underwritten by RBC Insurance Company of Canada.
2) Coverage underwritten by Aviva General Insurance Company.
3) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
1) You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa’s “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. See sample list of eligible merchants
. RBC Rewards points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
2) Limited time offer must be fulfilled within 60 days from date of approval. This offer is not transferable, may not be combined or used in conjunction with any other offer. Offer may be changed, cancelled or withdrawn at any time. Only the Primary Cardholder of an RBC Rewards+ Visa card is eligible for this offer and may receive a one-time bonus of 500 RBC Rewards points (“Bonus Points”), for each listed offer (each a “Bonus Offer”) up to a maximum of 3,500 RBC Rewards points. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. Primary Cardholder can provide us their email address and sign up for eStatements through RBC Online Banking, by visiting a branch or calling 1-800-769-2512.
3) RBC Canada, RBC Wallet, the RBC Rewards app, and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device.
4) To bank with us means you must hold any of the following RBC bank accounts: RBC Day to Day Banking®, RBC No Limit Banking®, RBC Private Banking, RBC Signature No Limit Banking®, RBC Student Banking®, RBC No Limit Banking for Students®, RBC VIP Banking®, US Personal Account®, Ratelink Essential®, Ratelink Preference®, RBC Day to Day Savings®, RBC Enhanced Savings® or RBC High Interest eSavings®. If you do not have an Eligible Account you may open one by going online at www.rbcroyalbank.com/products/deposits/banking-accounts.html or by calling 1-800-769-2511.
5) US Dollar accounts are not eligible for this Bonus Offer. Interac e-Transfers are free for all RBC personal chequing accounts. A fee of $1.00 may be charged to the sender for Interac e-Transfers sent from RBC personal savings accounts listed as an Eligible Account.
6) Deposits are subject to the same maximum deposit limits as well as release and payment amounts as deposits made at an RBC Royal Bank ATM. Cheques will also be subject to our Personal Banking hold policies.
7) All rewards are subject to availability. The regular redemption rate for RBC Rewards members, other than RBC Rewards+ cardholders, is 3,500 RBC Rewards points for a $25 gift card for Amazon.ca, iTunes, Starbucks, McCafe and Cineplex. Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit www.rbcrewards.com or call 1-800-769-2512.
8) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Please refer to the certificate of insurance for complete details.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
† To get a short-haul flight to any adjoining province/state in Canada or the U.S, you will need a total of 15,000 RBC Rewards points, for a maximum ticket price of $350. To receive the 15,000 bonus RBC Rewards points which will appear on your first statement, your application form must be approved by us. Additional cardholder(s), as well as cardholder(s) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Visa Infinite Avion card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with another offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit www.rbc.com/travelredemption . Some restrictions apply. For complete terms and conditions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
* RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and certain bill payments, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
◊ Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions
1) Coverage underwritten by RBC Insurance Company of Canada.
2) Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
3) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
4) Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All trademarks are the property of their respective owner(s).
† To receive the 25,000 bonus RBC Rewards points, your application form must be received and approved by us. Upon enrolment, 25,000 bonus RBC Rewards points will appear on your first monthly statement. Additional cardholder(s), as well as existing RBC Avion Visa Infinite Privilege cardholders, applying for or transferring to an RBC Avion Visa Infinite Privilege for Private Banking card, or vice versa, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking.
^ RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
* For any type of travel you book through RBC Rewards other than flights from the Air Travel Redemption Schedule, you may redeem RBC Rewards points at the rate of 1.0% (100 points per CAD $1.00) to pay for all or part of your booking, including associated taxes and fees. When you book a flight from the Air Travel Redemption Schedule, you may also decide to redeem RBC Rewards at the rate of 1% to pay for any taxes and service fees (including sales, GST, departure and transportation taxes and fees, airport improvement fees, or other taxes), excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges, health or other inspection fees, fuel surcharges and other non-ticket costs or charges which may be imposed. For complete terms, conditions and restrictions that apply to the RBC Rewards program, visit: www.rbcrewards.com .
± For full details on Visa Infinite Privilege, visit www.visainfinite.ca/privilege . You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege offers, benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor Royal Bank of Canada is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers, benefits and services at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions . The Visa Infinite Privilege privacy policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties’ own privacy policies.
∞ Bonus points are RBC Rewards points earned on qualifying purchases made at Carlson Wagonlit Travel and are in addition to the standard RBC Rewards points you earn per dollar when you make a purchase with your RBC Rewards credit card. Conditions and restrictions apply. For complete details, visit: https://www.rbcrewards.com/earn-points/index-na.html .
~ All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC Rewards program please visit https://www.rbcrewards.com/terms-and-conditions/index-na.html or call 1-888-769-2581.
◊ Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions
1) Coverage underwritten by RBC Insurance Company of Canada.
2) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All trademarks are the property of their respective owner(s).
† RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
~ All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC
** All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: http://www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512 ).
◊ Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions.
Rewards program please visit: https://www.rbcrewards.com/terms-and-conditions/index-na.html or call 1-800-769-2512.
1) Coverage underwritten by RBC Insurance Company of Canada.
2) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
3) Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
†† Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card Agreement for more details.
1) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
† The annual interest rate is based on our Prime Rate plus a fixed percentage rate of interest above Prime Rate that ranges between 4.99% and 8.99%. The fixed percentage rate of interest above Prime Rate will be determined based on the information you provide in your application and information we collect from other sources, including credit rating agencies, and is subject to change. We will give you at least 30 days written notice of any increase of your fixed percentage rate of interest above Prime Rate. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate then in effect for determining interest rates on Canadian dollar commercial loans in Canada. It can be found in branches and online at www.rbcroyalbank.com/rates Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the monthly statement period ending in that month, even if our Prime Rate has changed during the month.
1) Coverage underwritten by RBC Insurance Company of Canada.
2) Coverage underwritten by Aviva General Insurance Company.
3) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC RateAdvantage Visa card.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.
4) Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC RateAdvantage Visa Agreement for more details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
† You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo 
Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms 
.
* Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms .
1) Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
2) You are protected with Zero Liability protection, which means you are not liable for fraudulent charges provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
† You will earn i) $1.50 cash back for every $100.00 (1.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), up to a maximum of $25,000 per Annual Period, and ii) $1.00 cash back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), in excess of $25,000 during an Annual Period, unlimited. Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, Cash-Like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms .
* Unlimited means there is no maximum cash back credits you can earn on eligible purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms .
1) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
2) Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
1) Coverage underwritten by Aviva General Insurance Company.
2) Coverage underwritten by RBC Insurance Company of Canada.
3) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
† The annual interest rate is based on our Prime Rate plus a fixed percentage rate of interest above Prime Rate that ranges between 4.99% and 8.99%. The fixed percentage rate of interest above Prime Rate will be determined based on the information you provide in your application and information we collect from other sources, including credit rating agencies, and is subject to change. We will give you at least 30 days written notice of any increase of your fixed percentage rate of interest above Prime Rate. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate then in effect for determining interest rates on Canadian dollar commercial loans in Canada. It can be found in branches and online at www.rbcroyalbank.com/rates 
Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the monthly statement period ending in that month, even if our Prime Rate has changed during the month.
1) Coverage underwritten by RBC Insurance Company of Canada.
2) Coverage underwritten by Aviva General Insurance Company.
3) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC RateAdvantage Visa card.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.
4) Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC RateAdvantage Visa Agreement for more details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ Registered trade-marks of WestJet Airlines Ltd. WestJet dollars, WestJet Credit Card Program and WestJet Vacations are registered trademarks of WestJet Airlines Ltd. All other trademark(s) are the property of their respective owner(s).
1) Once approved for the WestJet RBC Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome bonus of 50 WestJet dollars to appear on your credit card statement. Additional cardholders, as well as existing WestJet RBC World Elite Mastercard and WestJet RBC Mastercard cardholders, are not eligible for the welcome bonus offer. This offer may not be combined or used in conjunction with any other offer.
2) You will earn 1% back in WestJet dollars on your everyday purchases and 1.5% back when you purchase WestJet flights or WestJet Vacations packages. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. For complete details, please visit www.westjet.com/westjet 
. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged. For complete details, please visit westjet.com/creditcard .
3) WestJet dollars can be used to pay for all or part of the published fare of a WestJet-marketed flight or a WestJet Vacations package. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. A minimum amount of 50 WestJet dollars must be redeemed at one time. Other restrictions may apply. All terms, conditions and restrictions applicable to WestJet Rewards are established by WestJet and shall apply to all bookings, travel arrangements and other services offered or provided by WestJet. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. For complete details, please visit westjet.com/creditcard .
4) Advance booking requirements will vary based on the destination when purchasing a WestJet Vacations package.
5) Coverage underwritten by RBC Insurance Company of Canada.
6) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
7) Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
^ To receive the 15,000 Avios welcome bonus, your application form must be received and approved by Royal Bank of Canada. Please allow up to 10 weeks after receipt of your card for the 15,000 Avios to be posted to your British Airways Executive Club account. If you are not currently a member of the Executive Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite card. Please note that the address your Executive Club account membership is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your Executive Club account. This offer is only available to new RBC British Airways Visa Infinite cardholders. Additional cardholders, as well as existing RBC British Airways Visa Infinite cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. British Airways, not Royal Bank of Canada, is responsible for this offer and the British Airways Executive Club programme. For all Executive Club Terms and Conditions, please visit ba.com/theclub
* Earn 2 Avios per $1 CAD spent on British Airways and British Airways Holidays and 1 Avios per $1 CAD spent on all other qualifying net purchases when you use your RBC British Airways Visa Infinite card. Avios are earned on qualifying net purchases only.
~ Eligible Members who spend a minimum of $30,000 CAD in qualifying purchases on their Card in a calendar year (“calendar year” refers to the time period starting from 1 January through to 31 December) will receive a maximum of one Companion Award eVoucher for that calendar year they will be able to apply towards the purchase of a flight for a companion travelling with the Eligible Member, on the same Reward flight (“Companion Ticket”). Please note that qualifying purchases exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the spend amount by the amounts originally charged. Please allow six (6) to eight (8) weeks for the Companion Award eVoucher to post to the British Airways Executive Club account after meeting the spending requirement. The Companion Award eVoucher entitles the Eligible Member to purchase a Companion Ticket at the time of booking a Reward flight, without having to pay for the price of the companion’s flight. Reservations and bookings for both the Reward flight of the Eligible Member and the Companion Ticket of the companion must be made at the same time, for the same flight, same date, in the same class, same cabin and on the same passenger name record (PNR) for travel on the same itinerary. Eligible Members will be responsible for paying, without limitation, the taxes, fees and carrier charges, related to the Companion Ticket. At time of publication, all Reward Flights and Companion Tickets are subject to taxes, fees, & carrier charges of approximately $600 per person based on return travel from Vancouver to London in economy class and approximately $1,000 per person based on business class travel. To make a booking, (including the Companion Ticket) Eligible Members must visit ba.com and log in using their membership number and PIN/Password. It is not possible to book a Reward flight or a Companion Ticket by contacting a travel agent, or at the airport. The Companion Award eVoucher may be used for flights operated by British Airways only. Travel on franchise, codeshare or alliance airlines is not permitted. Return flights must be booked at the same time the outward journey is booked. All travel must originate in and return to Canada. A Companion Award eVoucher can only be used if and when the Eligible Member is booking a Reward flight using Avios points (i.e. cannot be booked using a combination of Avios points and cash or a charge to the Card) and cannot be combined with any other offer, promotion, mileage or frequent flyer programme. Full details of fare rules can be found on ba.com. All Reward flights and Companion Tickets are subject to availability and there is no guarantee the Eligible Member will be able to book a flight for a companion to the Eligible Member’s choice of flight and destination. The Companion Award eVoucher is only valid if it has been acquired in accordance with these Terms and Conditions. A Companion Award eVoucher is valid for twenty-four (24) months from the date it is issued and must be exchanged for a Companion Ticket with travel commencing from Canada before the expiry date on the eVoucher. Eligible Members must still have a Card in good standing at the time of travel. British Airways and/or Royal Bank of Canada reserve(s) the right to refuse to issue or to honor any Companion Ticket in the event that the Eligible Member is in breach of either these RBC British Airways Visa Infinite Companion Award eVoucher Terms and Conditions, their RBC Royal Bank Credit Card Agreement or Executive Club Terms and Conditions. The Companion Award eVoucher is not extendable, refundable, transferable, and has no cash or mileage value. At no time may the Companion Award eVoucher be purchased, sold, or bartered but if it is, any such eVoucher will become void. Companion Award eVouchers are applicable to new and future bookings only; they cannot be used to amend or pay for existing bookings. The Companion Ticket is subject to the Executive Club Terms and Conditions relating to Companion Award eVouchers. If the Eligible Member cancels the Companion Ticket booking more than twenty-four (24) hours prior to the scheduled departure of the outbound flight from Canada, British Airways will redeposit the Companion Award eVoucher which will only be valid for the remainder of its twenty-four (24) month expiry period based on original date of issue. Reward flight bookings and Companion Tickets cancelled within twenty-four (24) hours of departure will result in the Companion Ticket eVoucher and mileage being cancelled without any possibility of being reissued or credited to the Eligible Member. Please visit the full British Airways Executive Club Terms and Conditions found online at ba.com/theclub .
∞ 10% off British Airways flights when you book on www.ba.com/RBC10 and pay with your RBC BA Visa Infinite card. In order to take part in the 10% promotion, RBC British Airways Visa Infinite cardholders must log in at www.ba.com/RBC10 using their Executive Club username and PIN and make a roundtrip booking now through 31 December, 2017 and enter the promotion code CARDOFFERC in the marked box on the Price Quote page of the booking process. A 10% discount is valid on the total roundtrip price, including taxes, fees and carrier charges on mainline flights operated by British Airways purchased now through 31 December, 2017 only. Outbound travel must commence by 31 December, 2017. A 10% discount will appear during the final payment page. Fares not purchased at www.ba.com/RBC10 do not qualify for discount. Discount is not valid for flights on code share or franchise carriers. All rules of roundtrip fare purchased apply, including advance purchase, minimum stay, weekend-add-ons, and cancellation/refund rules. Offer is non-transferable and cannot be combined with any other offer. Valid for new bookings only made by Canadian residents paying in CAD using a valid British Airways Visa card issued by Royal Bank of Canada for travel commencing from Canada to London and beyond. Discount is taken off the total roundtrip price of every ticket including taxes and fees on the same booking. 10% discount applies for up to eight passengers booked on the same British Airways booking for the same flights. Cardholder must travel to qualify for the 10% discount. Refunds from previously purchased fare types not permitted. The 10% discount not combinable with any other offer and is taken off valid, published fares only and is subject to availability. Offer is subject to British Airways fare rules and conditions of contract available on www.ba.com and may be limited or withdrawn at any time without advance notice. Other significant restrictions may apply. Newly enrolled Executive Club members, please allow 24 hours to use the promotion code. British Airways, not Royal Bank of Canada, is responsible for the terms and conditions of this offer and the British Airways Executive Club program.
1) Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
2) Coverage underwritten by RBC Insurance Company of Canada.
3) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
4) Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
** Reward flights and cabin upgrades are subject to availability. Taxes, fees and carrier charges apply of approximately $600 per person in economy or $1,000 in business class based on return travel from Vancouver to London.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
† Offer is available from September 1 to October 31, 2017. To receive the 15,000 Asia Miles welcome bonus, your application must be received and approved by Royal Bank of Canada. Please allow up to 8 weeks from the date of card issuance for the 15,000 Asia Miles to be credited to your Asia Miles account. The additional 15,000 Asia Miles bonus is only available when you successfully apply before October 31, 2017 and will be awarded to you if a total of $7,500 CAD or more in qualifying purchases and pre-authorized bill payment transactions is posted to your RBC Cathay Pacific Visa Platinum account within the first 3 full monthly statement periods (approximately 3 months from the date your account is opened), provided your credit card account is in good standing at the time you reach $7,500 CAD in qualifying transactions. Qualifying transactions exclude cash advances (RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. The 15,000 bonus Asia Miles will be credited to your Executive Club account within 8 weeks after meeting the spending requirement. This offer is only available to new RBC Cathay Pacific Visa Platinum cardholders. Additional cardholders, as well as existing RBC Cathay Pacific Visa Platinum cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer.
1) “Local spend” means purchases charged to your account in Canadian dollars. Asia Miles are earned on qualifying net purchases in single receipt only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits, for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
2) You will earn 1.25 Asia Miles for every 1 CAD dollar equivalent of purchases made in a foreign currency with your RBC Cathay Pacific Visa Platinum card. Asia Miles are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Asia Miles earned by the amounts originally charged. Please allow 6 – 8 weeks for additional Asia Miles to be credited to your Asia Miles account. Royal Bank of Canada and Asia Miles Limited reserve the right to withdraw this offer at any time.
3) Asia Miles Terms and Conditions apply. For full details please visit www.asiamiles.com
4) You will earn 1 additional Asia Mile for every 1 CAD (for a total of 2 Asia Miles for every 1 CAD) when you use your RBC Cathay Pacific Visa Platinum card to purchase Cathay Pacific tickets online at cathaypacific.com/ca . The Double Asia Miles offer applies to the amount charged to your credit card in Canadian dollars only, not to Asia Miles redeemed for award redemption bookings. Additional Asia Miles will be credited directly to your Asia Miles account 6 – 8 weeks after ticket issuance. To benefit from this offer, you must be a member of the travelling party on the same booking and must log in using your own Marco Polo Club/Asia Miles membership number. Royal Bank of Canada and Cathay Pacific reserve the right to withdraw this offer at any time.
5) Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
6) Coverage underwritten by RBC Insurance Company of Canada.
7) Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
8) Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
Δ This fee will increase to $119 for the primary card and $59 for each additional card effective November 1, 2017. Annual fees are charged on the first day of the month following account opening (whether or not the card is activated) and annually thereafter on the first day of that same month.
‡ Registered trade-marks of WestJet Airlines Ltd. WestJet dollars, WestJet Credit Card Program and WestJet Vacations are registered trademarks of WestJet Airlines Ltd. All other trademark(s) are the property of their respective owner(s).
1) Only available to residents of Canada. Once approved for the WestJet RBC MasterCard, please allow 4-6 weeks after the first purchase transaction date for the 50 welcome WestJet dollars to appear on your credit card statement. Once approved for the WestJet RBC World Elite MasterCard, please allow 4-6 weeks after the first purchase transaction date for the 250 welcome WestJet dollars to appear on your credit card statement and for the welcome companion flight voucher (the "Flight Voucher") to appear on your WestJet account, accessible at www.westjet.com . The Flight Voucher is offered to new WestJet RBC World Elite MasterCard cardholders only, and annually thereafter upon their credit card anniversary date. Primary cardholder may use the companion flight voucher only once on their choice of A) $99 (plus taxes, fees and charges) round-trip flight for travel in Canada and the continental U.S.; B) $299 (plus taxes, fees and charges) round-trip flight for travel to/from Mexico, Central America, the Caribbean and Hawaii; or C) $399 (plus taxes, fees and charges) round-trip flight to/from Europe. The Flight Voucher may only be used if the companion is travelling with you on the same itinerary. Applicable taxes, fees and charges on the Flight Voucher are the responsibility of the traveller and must be paid at time of booking. Flight Voucher is available on all published eligible fares marketed and operated by WestJet. Flight Voucher is available on all published eligible Econo, Flex or Plus fares wholly marketed and operated by WestJet and may only be used if the companion is travelling with you on the same itinerary. Flight Voucher pricing differs based on origin and destination. The Flight Voucher is only valid for new bookings made through www.westjet.com or WestJet’s Service and Sales Centre, cannot be applied to existing reservations and is not valid for group bookings or WestJet Vacations bookings. Additional cardholders, as well as existing WestJet RBC World Elite MasterCard and WestJet RBC MasterCard cardholders, are not eligible for the welcome offer or welcome Flight Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and of the Flight Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. Visit westjet.com/creditcard for complete details.
2) You will earn up to 1.5% back in WestJet dollars on your everyday purchases and up to 2.0% back when you purchase WestJet flights or WestJet Vacations packages, depending on the card you choose. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank® credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.
3) Valid for primary cardholders of the WestJet RBC World Elite MasterCard and up to eight (8) additional guests travelling on the same reservation; not valid for companions when travelling on a group booking (10+ guests on the same reservation). Eligible member’s 9-digit WestJet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJet’s code-share or interline partners. Size and weight of baggage must comply with WestJet’s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees. More details . May only be used as described and has no monetary or other exchange value.
4) WestJet dollars can be used towards payment of the base fare of an eligible flight or vacation package, available on www.westjet.com or through WestJet’s contact centre. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Minimum redemption rules apply and may vary. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem . All terms, conditions and restrictions applicable to WestJet Rewards are established by WestJet and shall apply to all bookings, travel arrangements and other services offered or provided by WestJet. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards.
5) Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
6) Coverage underwritten by RBC Insurance Company of Canada.
7) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
8) Coverage underwritten by Aviva General Insurance Company.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
† Exclusive of cash advances, interest charges, fees and less any credits, returns or adjustments.
++ All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).
◊ Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions
1) Upon enrolment, 2,500 bonus points will appear on your first credit card statement.
2) Coverage underwritten by RBC Insurance Company of Canada.
3) Coverage underwritten by Aviva General Insurance Company.
4) Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Please refer to the insurance certificate(s) included in your Welcome Kit for complete details.
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