{"id":88526,"date":"2024-08-14T13:39:48","date_gmt":"2024-08-14T17:39:48","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=88526"},"modified":"2024-08-27T09:21:01","modified_gmt":"2024-08-27T13:21:01","slug":"the-benefits-of-adding-a-credit-card-to-your-digital-wallet","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/the-benefits-of-adding-a-credit-card-to-your-digital-wallet\/","title":{"rendered":"The benefits of adding a credit card to your digital wallet"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">The benefits of adding a credit card to your digital wallet<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Royal Bank of Canada<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/Digital-wallet-card-merging-into-phone-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"hand holding a smartphone with a processing image of mobile payments from credit\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/Digital-wallet-card-merging-into-phone-1.jpg 5000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/Digital-wallet-card-merging-into-phone-1.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/Digital-wallet-card-merging-into-phone-1.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/Digital-wallet-card-merging-into-phone-1.jpg?resize=1024,768 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/Digital-wallet-card-merging-into-phone-1.jpg?resize=1536,1152 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/Digital-wallet-card-merging-into-phone-1.jpg?resize=2048,1536 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=The benefits of adding a credit card to your digital wallet &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/the-benefits-of-adding-a-credit-card-to-your-digital-wallet\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/the-benefits-of-adding-a-credit-card-to-your-digital-wallet\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published August 14, 2024 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h2 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Adding a&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/index.html\" data-dig-id=\"LP-88526-249b93bf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"credit card\" class=\"rbc-link-format\">credit card<\/a>&nbsp;to your digital wallet allows you to make purchases via your favourite mobile device, without physically presenting your card.&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;A digital wallet adds an extra layer of security over presenting your card physically, and allows you to earn your rewards as always.&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>&nbsp;It\u2019s also quick and easy \u2014 just tap your device or scan a QR code to pay.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Picture this: You\u2019re at the farmer\u2019s market and just spotted the juiciest, most perfect-looking local strawberries. To pay, though, you\u2019ve got to put down the rest of your bags to rummage through your wallet and pull out your card\u2026 and risk bruising the rest of your produce. Do you buy the berries, or avoid the hassle?&nbsp;<\/p>\n\n\n\n<p>With a digital wallet, you wouldn\u2019t have to choose. Here\u2019s what you need to know about digital wallets \u2014 and why you should consider adding your credit card to yours.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is a digital wallet?&nbsp;<\/h2>\n\n\n\n<p>Let\u2019s start with the basics. As the name suggests, a digital wallet is an app that stores your payment methods, including debit, credit and gift cards, in one place on your favourite mobile device. Using a digital wallet allows you to make a payment using your phone or smartwatch \u2014 for example, by scanning a QR code \u2014 without the need to present your physical card.&nbsp;<\/p>\n\n\n\n<p>Digital wallets can store a range of other information, too, from concert and plane tickets to loyalty cards, coupons, promotions and more.&nbsp;&nbsp;<\/p>\n\n\n\n<p>In short, you\u2019ll have the information you need to make purchases and save money at your fingertips, without having to look through your wallet for the right card.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are digital wallets safe?&nbsp;<\/h2>\n\n\n\n<p>In a word, yes. Not only is your payment information protected by multiple layers of security, but using a digital wallet allows you to make purchases without sharing your credit card number or pin with merchants directly.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The benefits of adding a credit card to your digital wallet&nbsp;<\/h2>\n\n\n\n<p>While you can use a range of payment methods with a digital wallet, there are several benefits to adding your credit card.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Gain an added layer of protection for your card&nbsp;<\/h3>\n\n\n\n<p>One of the primary benefits of using digital wallets is peace of mind. Not only do digital wallets store your information securely to keep it safe, they can offer enhanced security compared to physically presenting your card.&nbsp;&nbsp;<\/p>\n\n\n\n<p>That\u2019s because digital wallets use a security feature called tokenization. In a nutshell, this means that digital wallets present merchants with an encrypted number, rather than your real credit card number. This means merchants won\u2019t have access to your credit card information directly \u2014 so if they get hacked and their payment information gets stolen, your credit card number won\u2019t be compromised.&nbsp;<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\"><strong>Pro tip:&nbsp;<\/strong>You play an important role in protecting your payment information, too. Lock your phone to avoid unauthorized use, and use secured networks \u2014 not public WiFi \u2014 to access your financial or payment information, including your mobile banking app and digital wallet.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Pay quickly and easily anytime, anywhere&nbsp;<\/h3>\n\n\n\n<p>Picking up groceries on the way home from a busy day \u2014 only to realize you left your card at home? With a digital wallet, it\u2019s no problem.&nbsp;&nbsp;<\/p>\n\n\n\n<p>While there are still benefits to carrying your wallet, like having easy access to your driver\u2019s license and health card, a digital wallet means you can make everyday purchases whether or not you have your physical card. It also means you won\u2019t have to hold up the line digging through your wallet to find the right card as you can store multiple credit cards in your digital wallet. Just open the digital wallet, select your payment method of choice, and tap your device or scan a QR code to pay.&nbsp;&nbsp;<\/p>\n\n\n\n<p>With a digital wallet, you can tap your device and make purchases up to $250 without the need to present your card \u2014 ideal for groceries, an unexpected thrift store find, or any other last-minute essentials.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The convenience of a digital wallet can be especially helpful during travel. You\u2019ll be able to use your digital wallet at businesses that accept contactless payment, allowing you to make transactions without physically presenting your card. However, it\u2019s always best to have any alternate payment handy \u2014 like a physical card or cash \u2014 in case a merchant doesn\u2019t accept contactless payment.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Earn rewards for using your card&nbsp;<\/h3>\n\n\n\n<p>More good news: The credit card in your digital wallet earns the same great rewards as any other purchase. So you can enjoy the convenience of a digital wallet without losing out on points, miles, cash back and any other perks you\u2019re used to. And, because you can make purchases without presenting your card, you won&#8217;t lose out on rewards because you forgot your card at home.&nbsp;&nbsp;<\/p>\n\n\n\n<p>In addition, some businesses,&nbsp;including Starbucks, offer their own digital wallets and use them to deliver loyalty programs, exclusive discounts. As a result, adding your credit card to a retailer-specific digital wallet could allow you to earn two layers of rewards: The benefits from the retailer\u2019s digital wallet, plus the rewards for using your credit card.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Make shopping easier by setting up your digital wallet&nbsp;<\/h3>\n\n\n\n<p>Ready for a more convenient payment experience? It\u2019s easy to add your personal RBC credit or debit cards to your mobile device and set up your digital wallet. To learn more \u2014 including how to get started on a range of devices \u2014&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/mobile\/mobile-pay\/index.html\" data-dig-id=\"LP-88526-55fa7d4b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"visit us online\" class=\"rbc-link-format\">visit us online<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-looking-for-a-credit-card\">Looking for a credit card?<\/h3>\n\n\n\n<p class=\"has-text-align-center\">Use our Credit Card Selector Tool to find the best credit card for you.<\/p>\n\n\n\n<div class=\"wp-block-buttons mar-b-hlf is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html\" data-dig-id=\"LP-88526-2e3177bc\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Help Me Choose-https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html \">Help Me Choose<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/credit-card-cashback-calculator\/index.html\" data-dig-id=\"LP-85772-66e6827d\" data-dig-label=\"Cash Back Calculator\" data-dig-action=\"link click\" data-dig-category=\"LP\">Compare Credit Cards<\/a><\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-0568d090-8ba8-4720-9501-d5d368d49f4e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=The benefits of adding a credit card to your digital wallet &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/the-benefits-of-adding-a-credit-card-to-your-digital-wallet\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-d349fde5-a30c-4269-be83-175e44420043\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Credit and Debt<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/payments\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Payments<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/security-securing-devices\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Security\/Securing Devices<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" 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class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/should-you-increase-your-credit-card-limit\/\" class=\"card-title h4 mar-t-0\">Should You Increase Your Credit Card Limit?<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"women on mobile phone reviewing paper work to understand credit card balance transfers\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg 4901w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/understanding-your-credit-card-balance\/\" class=\"card-title h4 mar-t-0\">Understanding Your Credit Card Balance\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"3 females enjoying a coffee at a coffee shop while paying using her credit card\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg 7008w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/the-advantages-of-having-a-credit-card\/\" class=\"card-title h4 mar-t-0\">The Advantages of Having a Credit Card\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-0568d090-8ba8-4720-9501-d5d368d49f4e {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-0568d090-8ba8-4720-9501-d5d368d49f4e {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-d349fde5-a30c-4269-be83-175e44420043 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-d349fde5-a30c-4269-be83-175e44420043 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Shopping with your credit card just got easier. 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