RBC Banking Account and Credit Card Offer
Open an Eligible Chequing Account and Credit Card, and You Can Get up to $2,000 in Value§
Offer ends November 2, 2026. Qualifying Criteria and Other Conditions Apply.
Step 1: Open a Signature No Limit Banking Account, and You Can Get the New iPad†
Offer also available for RBC VIP Banking account. Conditions and qualifying criteria apply.
Offer Ends November 2, 2026. Qualifying Criteria and other Conditions Apply. Offer Ends November 2, 2026. Qualifying Criteria and other Conditions Apply.
- Step 1: open the RBC Signature No Limit Banking account by November 2, 2026
-
Step 2: complete at least two of the following qualifying criteria within 90 days of opening the Eligible Personal Banking Account:
- Set up your full payroll or pension as a direct deposit (no splitting)
- Set up two pre-authorized monthly payments
- Make two eligible bill payments using RBC Online Banking, the RBC Mobile app, an ATM or telephone banking
Other terms and conditions apply.
RBC Signature No Limit Banking Account
Flexibility For Every Way You Bank
$16.95 /mo27 or $4 with the Value Program
Get unlimited debit transactions
Buy, send, withdraw and transfer with unlimited debit transactions in Canada.
Enjoy no minimum balance
Bank with more flexibility. No need to maintain a set balance.
Not sure if this is the right account that fits your needs? Compare our chequing options to find your best fit.
Open Account Online in Minutes
As featured in ratehub.ca Best chequing accounts Editorial rank 2026
Step 2: Apply for an RBC Avion Visa Infinite and Get up to 70,000 Avion Points1 – That’s up to $1,500 in Travel Value*
Offer also available for RBC Avion Visa Platinum credit card. Conditions and qualifying criteria apply.
RBC Avion Visa Infinite
Experience Unparalleled Travel Flexibility
Additional Card
$50
Purchase Rate
20.99%
Cash Advance Rate
22.99%7
Book Any Flight
Book any flight, with complete flexibility and confidence on over 500 airlines. No blackouts or seat restrictions even during peak season.
Complete Your Entire Trip
Use your Avion points towards hotel stays, car rentals and more using the simple conversion: 100 points = $1, use them to cover taxes and fees, and more.11
Access Visa Infinite
Get access to luxury Visa Infinite benefits including free nights, dining events, and sports and entertainment benefits. 20
Not sure if this is the right credit card that fits your needs? Compare our credit cards to find your best fit.
Apply Now
Best Overall Travel Credit Card by Rates.ca 2026
Get More From Your Banking When You Bundle
Avion Reward Members Can Have It All
Meet the loyalty program that saves you more every day, from gas to groceries to getaways.
Book Flights for Maximum Value
As an Avion Elite member make your Avion points go further with Fixed points pricing which offers a set price for points for a destination (up to a maximum ticket price). 365 days a year, with no blackouts.11
Get More Value
One-way flights start as low as 7,500 Avion points! Plus, Avion points don't expire, so you can use your points where and when it's right for you.12
Book Flights for Maximum Value
As an Avion Elite member make your Avion points go further with Fixed points pricing which offers a set price for points for a destination (up to a maximum ticket price). 365 days a year, with no blackouts.11
Get More Value
One-way flights start as low as 7,500 Avion points! Plus, Avion points don't expire, so you can use your points where and when it's right for you.12
Link Your Card to Get Exclusive Offers from Our Partners
RBC is Here to Help You
4.7/5 stars24
Award Winning Mobile App
Send money, pay bills and more, 24/7. RBC Digital Banking Security Guarantee protects you.25
Get the App
24/7
Customer Support
Get help whenever you need it in up to 200 languages, by phone, chat, or in person.
Call us at 1-800-769-2511
RBC was awarded Best Bank in Canada for 2025 & 2026 by Global Finance
Security You Can Count On
Your money is protected by built-in security features and guarantees designed to give you peace of mind.
RBC Digital Banking Security Guarantee
Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.25
RBC Right Account Guarantee
If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.26
Need Some Additional Help?
Call us at 1-800-769-2511
To book a virtual appointment
Top Frequently Asked Questions
You can get up to $2,000 in value by opening both an RBC Signature No Limit Banking account and an RBC Avion Visa Infinite credit card, then completing the requirements for each offer.
For the RBC iPad offer, you can receive an Apple 11-inch iPad Wi-Fi 128GB, valued at approximately $649, when you:
- Are an Eligible Personal Client
- Open a new RBC Signature No Limit Banking account by November 2, 2026
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Complete at least two of the following within 90 days of opening your account, and no later than 9:00 PM Eastern Time on the 90th day:
- Set up your full payroll or pension as a direct deposit (no splitting)
- Set up two pre-authorized monthly payments
- Make two eligible bill payments using RBC Online Banking, the RBC Mobile app, an ATM or telephone banking
Qualifying criteria and other terms and conditions apply. See the full Terms and Conditions for details.
For the RBC Avion Visa Infinite credit card offer, you can receive up to 70,000 Avion points, valued at up to $1,500 in travel, when you earn the full welcome bonus, purchase bonus and anniversary bonus:
There is no set order to qualify for the bundle offer. However, we recommend opening the RBC Signature No Limit Banking account first, then applying for the RBC Avion Visa Infinite credit card.
If you already have a RBC Signature No Limit Banking account, the $35 credit card annual fee rebate will be applied at the time you open your eligible credit card account. If you open your RBC Signature No Limit Banking account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively.
You may be eligible to get the annual fee on your Avion Visa Infinite credit card partially rebated every year.
To keep receiving the rebate, your credit card must remain in good standing and you must continue to be an owner of an SNL account.
A few things to know:
- The rebate only applies to the primary cardholder of the Avion Visa Infinite credit card.
- Additional cardholders, including co-applicants and authorized users, do not qualify for the rebate, even if they also own an SNL account.
- Only one credit card annual fee rebate is available per SNL account.
- If you have a joint SNL account and more than one owner has an eligible credit card, only the primary owner of the SNL account can receive the rebate.
You can view the full terms and conditions for the RBC iPad offer at: rbc.com/ipadoffer
To qualify for the RBC iPad offer, you need to complete the following steps:
- 1. Be an Eligible Personal Client
- 2. Open a new RBC Signature No Limit Banking account or RBC VIP Banking account by November 2, 2026
-
3. Complete at least two of the following within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day:
- Set up your full payroll or pension as a direct deposit (no splitting)
- Set up two pre-authorized monthly payments
- Make two eligible bill payments using RBC Online Banking, the RBC Mobile app, an ATM or telephone banking
Make sure all requirements are completed within the specified timelines outlined in the terms and conditions
Not necessarily. You can be an existing RBC client and qualify for this offer, as long as you:
- Do not have an existing Personal Banking Account with RBC
- Never had a Personal Banking Account with RBC, nor qualified for any of our offers related to opening an account in the last five years
Starting August 31, 2026, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Personal Banking Qualifying Criteria only or both the Personal Banking Qualifying Criteria and the Investments Qualifying Criteria for the Promotional Offer.
The email will include a secure link where you can:
- Select your device
- Confirm your shipping details
- View estimated delivery timelines
Note: You have until March 1, 2027 to use the secure link provided in the email informing you of your qualification for the Promotional Offer and to select your Reward. Any attempt to use the link after this date will not be accepted and you will be deemed to have forfeited the Promotional Offer and any entitlement to the Reward.
- Be a resident of Canada, and by November 2, 2026 be of the age of majority in the province or territory in which you reside;
- Not have an existing Personal Banking Account with us;
- Never had a Personal Banking Account with us, nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period;
- Have a valid deliverable email address associated with your client profile with us by November 2, 2026;
- Open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9:00 PM Eastern Time November 2, 2026; and
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Complete two of the following criteria within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day:
- Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. RBC has the right to determine what is considered payroll
- Set up two (2) pre-authorized monthly payments (“PAPs”) from the Eligible Personal Banking Account
- Set up two (2) eligible bill payments to a service provider from your new Eligible Personal Banking Account
To qualify for the Investments Promotional Offer, you must fulfill the Personal Banking Qualifying Criteria above and the Investments Qualifying Criteria below:
- Be the primary account holder of an Eligible Investments Account within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day;
-
Transfer-in or deposit Qualifying Net Contributions of:
- between C$25,000 to $49,999.99 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day to be eligible for the iPad Air offer (Apple 11-inch iPad Air Wi-Fi 128GB), or
- at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day to be eligible for the MacBook Air (Apple 13-inch MacBook Air: M5 chip with 10-core CPU and 8-core GPU, 16GB, 512GB SSD) or iPad Pro offer (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass); and
- Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after opening the Eligible Personal Banking Account.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions 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 and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Eligible Credit Card account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.
You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an Rewards+TM Visa‡, Signature® RBC Rewards® Visa‡, RBC® Visa‡ Platinum, RBC® Visa‡ Cash Back, RBC® Cash Back Mastercard‡, RBC® Visa‡ Classic Low Rate Option, RBC® Visa‡ Classic, RBC® Student Visa‡ Classic, RBC® Visa‡ Classic II Student, RBC® Visa‡ Gold, RBC® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage® Visa‡, WestJet RBC®Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC® Visa‡ Business, RBC® Visa‡ Business Gold, RBC® Visa‡ CreditLine for Small BusinessTM, or RBC® Business Cash Back Mastercard‡, WestJet RBC® World Elite Mastercard‡ (Premium Benefit Cards).
You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf
You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac‡ Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac‡ Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac‡ Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
Other Features Included in this Account
| Avion Pointslegal bug 1 | Enrol your account in the Value Program to get a minimum of 1 Avion point for every $10 you spend in-store and online using your enrolled account. |
| Interaclegal bug ‡ e-transferslegal bug 2,legal bug 3 | FREE |
| International Money Transfers | Pay no fee for U.S. and international money transferslegal bug 4 |
| Cross Border Debits | 5 cross-border debits per month, $1 each thereafterlegal bug 5 |
| Online, Mobile and Telephone Banking | FREE |
| eStatements | FREE |
| Monthly Paper Statements | $3.00 without cheque image, $3.50 with cheque image |
| Safe deposit box | View fees by safe deposit box size |
| Personalized Chequeslegal bug 8 | 1 book of cheques FREE, afterwards Fees Apply |
| Bank Draftslegal bug 9 | 6 FREE/year, $9.95 each thereafter |
| Right Account Guarantee® | If you’re not completely satisfied within the first 4 months, we’ll refund your monthly fees for up to 3 monthslegal bug 10. |
Optional Services
| Using a PLUS System ATM in Canada or the U.S.legal bug 11,legal bug 12 | $3 each |
| Using a PLUS System ATM Outside Canada or the U.S. | $5 each |
Other Features Included in this Account
| Avion Pointslegal bug 1 | Enrol your account in the Value Program to get a minimum of 1 Avion point for every $10 you spend in-store and online using your enrolled account. |
| Interaclegal bug ‡ e-transferslegal bug 2,legal bug 3 | FREE |
| International Money Transfers | Pay no fee for U.S. and international money transferslegal bug 4 |
| RBC ATMs | No RBC fee to use ATMs worldwidelegal bug 5,legal bug 6,legal bug 7 |
| Online, Mobile and Telephone Banking | FREE |
| eStatements or Monthly Paper Statements | FREE |
| Cross-Border Debitslegal bug 8,legal bug 9,legal bug 10 | FREE |
| Safe Deposit Boxlegal bug 11 | Up to $60/year discount on regular fees |
| Personalized Chequeslegal bug 13 | FREE, with RBC VIP Style |
| Bank Draftslegal bug 14 | 12 FREE/year, $9.95 each thereafter |
| Right Account Guarantee® | If you’re not completely satisfied within the first 4 months, we’ll refund your monthly fees for up to 3 months.legal bug 15 |
Save with the Value Program Rebatelegal bug 1
Get more from your everyday banking when you enrol any of your eligible RBC bank accountslegal bug 4 in the Value Program. The more product categories you have, the more you earn and save.
Bank Account
RBC Signature No Limit Banking
/ monthlegal bug 2
Your savings and rewards:
$16.95
after rebate*, legal bug 1
Monthly Feelegal bug 2
$16.95
after rebate*, legal bug 1
* To receive a monthly fee rebate, also complete at least one account activity each month (direct deposit, an eligible bill payment, or a pre-authorized payment) for each enrolled account.
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any one (1) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the Value Program Terms & Conditions.
The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day.
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.