By adding other users to your RBC Royal Bank credit card account, you can take advantage of a number of great benefits:
- Additional users earn RBC Rewards® points, partner rewards or Cash Back credits on purchases made on your account†
- All spending on your account is consolidated on one monthly statement, with transactions made by different cardholders clearly marked
- The Family Card option lets you control spending as you set the credit limit available for that user
Comparing Your Options
Not sure whether you should add a Co-Applicant, Authorized User or an Authorized User with the Family Card Option to your account? We’ve laid it all out for you below. When you’re ready to add a user, follow the next steps for the option that’s best for you.
|Co-Applicant||Authorized User||Family Card Option|
|The basics||Jointly responsible with the Primary Applicant for the balance owing on the account – regardless of who incurred the charges||Not responsible for any balance owing on the card||Not responsible for any balance owing on the card|
|Credit limit||Shares the full credit limit available||Shares the full credit limit available||Has a pre-set limit assigned from the full credit limit available|
Can redeem RBC Rewards points that are earned on the account
Cannot request Cash Back credits or redeem partner rewards
|Not able to redeem any RBC Rewards points or Cash Bank credits earned on the account||Not able to redeem any RBC Rewards points or Cash Back credits earned on the account|
|Accessing account information||Can access information about any transactions made on the account||Can only access information about their own transactions||Can only access information about their own transactions|
|Number of cardholders||Can add 1 Co-Applicant to your account||Can add up to 9 Authorized Users||Can add up to 9 Authorized Users, including Authorized Users in the Family Card Option|
|Age of cardholders||Primary and Co-Applicant must be at least 18 years old||Must be at least 18 years old||Must be at least 14 years old|
Adding a Co-Applicant
When you add a Co-Applicant to your RBC Royal Bank credit card, you’re sharing responsibility for your credit card account, and doubling your ability to earn rewards and cash back. Here’s how it works:
- The Co-Applicant is considered a joint borrower on the account. That means both of you are responsible for payment of the credit card account balance, regardless of who incurs the charges
- Together, you share the credit limit for the account
- Both of you can make purchases and take cash advances
- Co-Applicants can redeem RBC Rewards points earned on the account, but other partner rewards and Cash Back credits are only available to the Primary Applicant
- The Co-Applicant can access information about any of the transactions made on the credit card through RBC Online Banking® or by calling 1-800-769-25121-800-769-2512.
- 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 RBC Royal Bank Credit Card Agreement
- An annual fee may apply for the Co-Applicant, depending on the type of Account
How to Add a Co-Applicant
Adding an Authorized User
Adding an Authorized User to your account means others can enjoy the convenience that comes with using an RBC Royal Bank credit card. And, you'll earn points and rewards whenever your Authorized Users make purchases on your account. Here's how it works:
- An Authorized User is not responsible for payment of any balances owing on the account.
- Purchases made by the Authorized User earn RBC Rewards® points, partner rewards or Cash Back credits, depending on the card you have.
- All RBC Rewards points, partner rewards or Cash Back credits earned are in the name of the Primary Applicant – the Authorized User can’t redeem them.
You can either provide your Authorized Users with access to your entire credit limit, or choose the Family Card option if you’d like to set their limit.
- All spending is consolidated into one monthly statement, and each user’s transactions are clearly identified.
- Your Authorized User can access information about their own transactions, but do not have access to transactions made by other cardholders on the same account.
- Authorized Users must be the age of majority in your province/territory to receive full access to your credit limit. If you would like to provide limited access using the Family Card option, the Authorized User must be 14 years of age at the time of the request.
- You can add up to 9 Authorized Users on your Account
- Authorized Users are responsible for adhering to the terms of the RBC Royal Bank Credit Card Agreement
- An annual fee may apply for each Authorized User, depending on the type of Account
- Authorized Users (with access to full Account credit limit or under the Family Card option) may be added to an Account by the Primary Applicant or Co-Applicant unless the Primary Applicant’s occupation is identified as a ”student”
How to Add an Authorized User
Adding the Family Card Option
With the Family Card option, you can give your Authorized Users access to credit, and set spending and cash advance limits at the same time. Here’s how it works:
- An Authorized User under the Family Card option is not responsible for payment of any balances owing on the account
- Qualifying purchases will earn RBC Rewards® points, partner rewards or Cash Back credits for the Primary Applicant
- Card activity has no impact on the Authorized User’s credit bureau score
- It’s an ideal solution for parents who want to give their child (14 years of age or older) access to funds while they teach the responsibilities that come with credit
- Also a convenient way to give caregivers and nannies access to credit within set limits
- All spending is consolidated into one monthly statement, and transactions made by different users are clearly identified
- Authorized Users with the Family Card option must be at least 14 years of age and a resident of Canada.
- A Primary or Co-Applicant can add an Authorized User. A Primary or Co-Applicant cannot be an Authorized User.
- You may add up to nine Authorized Users per account.
- A minimum limit of $100 must be assigned to each Authorized User with the Family Card option. If no limit is set, the Authorized User will have full access to your available credit limit.
- An annual fee may apply for each Authorized User.
- Authorized Users can only be added if your account is in good standing at the time the request is processed.
- Transactions are authorized or declined based upon information available at that time. Transactions which would cause a card limit or cash advance limit to be exceeded are ordinarily declined; however, there may be instances where amounts are charged to a credit card account in excess of an applicable card limit or cash advance limit.