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Your Authorized User will share all the exclusive benefits, insurance, peace of mind and purchasing privileges offered by your RBC Royal Bank credit card.
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.
Authorized Users' purchases earn RBC Rewards or Partner Points, Miles or Dollars at the same rate as the primary cardholder. So if your card allows you to earn RBC Rewards points or Partner Points, Miles or Dollars, 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 credit cards must abide by the terms of the Partner Program(s). Authorized Users are not able to redeem the Points,Miles or Dollars accumulated on the credit card account.
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 credit card with the following exceptions:
Authorized users are not available on any RBC credit card where the primary cardholder has identified their 'occupation' as being 'student'.
As a cardholder, you can now add the Family Card option to your RBC Royal Bank credit 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.
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You may also apply by visiting your nearest RBC Royal Bank branch with the Authorized User(s). If the Authorized User is new to RBC, we require two pieces of identification to create a client profile. All parties’ signatures are required for processing.
The Authorized User's card will be mailed to the address on file for the Primary Cardholder.
† RBC Rewards 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 points earned by the amounts originally charged.