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RBC Offers

RBC Offers is an exclusive program for RBC personal and business clients who have an eligible debit or credit card to get rewarded with cash back. Plus it’s at no cost!

Sign in to load your offers.

What accounts do I need to sign up for RBC Offers? What accounts do I need to sign up for RBC Offers?

You’ll need an RBC chequing account or RBC credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card, to receive exclusive offers.
Already have an account? Sign in to load your offers.

How do I view RBC Offers? How do I view RBC Offers?

There are many ways to access your offers

Sign in to RBC Online Banking and from the top of your Accounts Summary page, select the Offers for You link to browse your offers.
You can view your offers from your RBC Mobile app and scroll to the bottom of your Account Summary page (not available for Business Clients).
You can also get your offers in the RBC Rewards app.

Offers differ between personal and business accounts. If you would like to view your business offers, please log in with your business account credentials.
Sign in to load your offers.

I don’t see my offers when I sign into RBC Online Banking or the RBC Mobile app. How do I sign-up for RBC Offers? I don’t see my offers when I sign into RBC Online Banking or the RBC Mobile app. How do I sign-up for RBC Offers?

To sign up for RBC Offers, you need to change some of your account preferences.
Just give us a call at 1-800-769-25111-800-769-2511 or visit a branch and ask to have your Client Preferences updated to receive marketing communications on products and services. Your RBC Offers account will be set up within 4-6 weeks.

How do I use RBC Offers? How do I use RBC Offers?

It’s easy! Simply sign-in to RBC Online Banking, the RBC Mobile app or the RBC Rewards app to load your offers to your RBC debit or credit card before you shop. Then pay with your RBC card and wait for your cash savings or bonus RBC Rewards points , if applicable, to be credited to your account.

How do I receive my cash savings or bonus RBC Rewards points? How do I receive my cash savings or bonus RBC Rewards points?

If you’ve loaded an offer to your debit or credit card, once you make your qualifying purchase, your cash savings offer will automatically appear as a credit on your credit card account statement or deposit on your bank account statement in as fast as 2 business days. Your bonus points offer will be deposited to your RBC Rewards account in as fast as 2 business days.

Please refer to the offer details applicable to each offer for the exact amount of time it will take to receive your cash statement credit or bonus points.

How do I check if I received my cash savings or bonus points? How do I check if I received my cash savings or bonus points?

You can track how much you’ve saved or the bonus points you’ve earned in your RBC Offers online portal or within your RBC Mobile app:

Online Portal

Sign in to RBC Online Banking and select the Offers for You at the top of your Accounts Summary page
Select Offers Activity at the top of your RBC Offers portal

Mobile App

Sign into your RBC Mobile app and select the More tab in the bottom right of your home page
Select Explore Offers tile under Products to find available offers

How do I subscribe for RBC Offers email and text notifications? How do I subscribe for RBC Offers email and text notifications?

Sign up and stay in the know when your exclusive RBC Offers are ready! You’ll be the first to receive new offers, limited-time offers and exclusive event invitations.
You can sign-up in 3 steps:

Online Portal

Sign in to RBC Online Banking and> select the Offers for You at the top of your Accounts Summary page
Select Alert Settings at the top of your RBC Offers portal
Select your preferences for email, text or RBC Online Banking message center alerts.

Mobile App

Sign into your RBC Mobile app and select the More tab in the bottom right of your home page
Select More at the bottom right of your RBC Offers portal
Select Settings at the top right of your RBC Offers portal
Scroll and select Manage Alerts at the middle of your RBC Offers portal
Select your preferences for email, text or RBC Online Banking message center alerts.

Who do I contact for questions about my offers? Who do I contact for questions about my offers?

Send us a secure message from your Message Centre in RBC Royal Bank Online Banking and we’ll get back to you with an answer.
When completing the form, select:
To: RBC Royal Bank
Subject: Business Banking Products & Services
Please include in your message:
The retailer name
The offer description or details
And if applicable, your debit or credit card number used to make your qualifying purchase, the purchase date and amount.

How to Load My Offer

I’m already an RBC client. Do I need to open a new bank account or credit card? I’m already an RBC client. Do I need to open a new bank account or credit card?

No. You do not need to open a new RBC account if you already have an eligible debit card or credit card. You can load this offer to your eligible RBC cards.

Can I redeem my offer by using my RBC debit or credit card? Can I redeem my offer by using my RBC debit or credit card?

Yes. You can use your RBC debit or credit card to earn cash back in the form of statement credits at participating Lowe’s, RONA and Réno-Dépôt locations and websites.

Can I use my debit and credit card to redeem the offer with my purchases? Or do I have to choose one card. Can I use my debit and credit card to redeem the offer with my purchases? Or do I have to choose one card.

No. You do not have to choose one card. You will be able to earn cash back in the form of statement credits through your RBC debit and credit card.

I have authorized users on my RBC credit card. Can they redeem the offer using their authorized RBC card? I have authorized users on my RBC credit card. Can they redeem the offer using their authorized RBC card?

Yes. Any RBC cardholder who has loaded the offer will have full access to the cash offering. The authorized user is not required to load the offer, so long as the offer has already been loaded by either the primary or co-applicant.

Does this offer only work at Lowe’s? Do I have to choose one of the 3 banners as a preference? Does this offer only work at Lowe’s? Do I have to choose one of the 3 banners as a preference?

You will receive 3 separate offers for Lowe’s, RONA, Réno-Dépôt locations and websites. You are required to load the offer for each banner separately before you shop to qualify for the offer at that banner.

Is my cumulative spend offer specific to each banner and is there no carry over? Is my cumulative spend offer specific to each banner and is there no carry over?

Yes. Your spend at each banner is specific to each banner and does not carry over to the other banners.

For example, you are able to spend $250 at each of Lowe’s, RONA and Réno Dépôt and earn up to 10% back at each location.

If I load the offer for one banner, will it apply to all 3 banners? If I load the offer for one banner, will it apply to all 3 banners?

No. You will have to load the offer for each banner if you would like to earn a statement credit at each of the banner’s locations.

What information will RBC and Lowe’s share? What information will RBC and Lowe’s share?

When you opt into the offers, you consent to Royal Bank of Canada and Lowe's sharing your personal information and communicating with you for the purpose of administering the rewards and benefits. Personal information may include information about the first 6 digits of your RBC credit card number, the last 4 digits of your RBC credit card number, the RBC credit card expiry date, card status, and postal code. For more information, please refer to the Terms & Conditions.

Using/Changing my RBC Cards

Can I use Apple Pay, Samsung Pay, Google Pay, FitBit Pay, or RBC Wallet? Can I use Apple Pay, Samsung Pay, Google Pay, FitBit Pay, or RBC Wallet?

Yes, as a personal client, your eligible RBC Personal Banking Debit and Credit Card, and Personal Business Card in your mobile wallet that are supported by RBC can be used for the offer.

If you’ve installed or added RBC Personal Banking Debit and Credit Card, and Personal Business Card to your mobile device and you have loaded the offers, you will be able to earn cash back from the offer.

If I replace my RBC debit or credit card, or add a new card, do I need re-opt into the offer? If I replace my RBC debit or credit card, or add a new card, do I need re-opt into the offer?

As a personal client, no. Once you’ve loaded the offer to your account, all new or replacement cards that you receive after will automatically be updated.

As a business client, yes. You will need to re-opt into the offer so it can be loaded to your new card account.

Please note it can take up to two business days once a new card is activated.

Instant Savings

Is the offer available on purchases made in-store and online? Is the offer available on purchases made in-store and online?

You are able to earn your cash savings offer in-store and online, at participating Lowe’s, RONA and Réno-Dépôt in-store locations and websites.

I did not receive a statement credit on purchases made at Lowe’s, RONA or Réno-Dépôt when I used my eligible RBC Card. What should I do? I did not receive a statement credit on purchases made at Lowe’s, RONA or Réno-Dépôt when I used my eligible RBC Card. What should I do?

Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the cash back to be applied to your credit statement. Please contact RBC at 1-800-Royal-12 if your bonus points have not been deposited to your RBC Rewards account.

Have Questions? Have Questions?

Please contact RBC at 1-866-864-99051-866-864-9905.

RBC Credit Card

What are the advantages of having a credit card? What are the advantages of having a credit card?

Credit cards are important for things like making hotel reservations, car rentals, or online purchases. They’re convenient and secure, and help give you the freedom to manage your finances, cover unexpected emergencies and also take advantage of rewards and special insurances. They’re also an easy way to establish a credit history! Use our credit card selector to find a card that's right for you and apply online in just a few easy steps.

Are there any annual fees associated with having an RBC credit card? Are there any annual fees associated with having an RBC credit card?

That depends on the card you choose. Some of our cards offer more benefits with an annual fee, while others have no annual fee at all. Browse our no annual fee cards or use our card selector to help narrow down the benefits that are most important to you.

How do I redeem points, miles, or dollars earned with my RBC travel credit card? How do I redeem points, miles, or dollars earned with my RBC travel credit card?

If you collect RBC Rewards points, you can easily redeem them for travel, merchandise, gift cards and more at rbcrewards.com. If you earn WestJet dollars, Avios or Asia Miles, you can redeem directly with the airline loyalty program connected to your card.

How do I apply for a credit card online? How do I apply for a credit card online?

First, you’ll have to decide which card you want to apply for. You can use our credit card selector or narrow it down based on the category you prefer. Once you’ve decided which card is the right fit for you, you can apply online by clicking the Apply now button on the card of your choice. If you’re an existing RBC client, you can also apply through:
RBC Online Banking

In your Account summary, select Apply for a Credit Card. Choose the card you want and click Apply Now to complete an online application
If you’re a business client, select Apply for a Business Credit Card on the top right of the Account Balances page to start your application

RBC Mobile App

Select More in the bottom navigation
Then under Products select Open an account and choose Credit Cards
Select the card you want and tap Apply Now

Telephone
Call us at 1-800-769-25121-800-769-2512 and an RBC Advisor will be happy to help find the right card for you.

How do I cancel my credit card? How do I cancel my credit card?

If you’ve misplaced your credit card, use RBC Online Banking or the RBC Mobile app to temporarily lock your credit card.
If your card has been stolen or is permanently lost, we can block your credit card from future use and issue you a new credit card. Just call our 24-hour toll-free number: 1-800-769-25121-800-769-2512.
If you’d like to switch to a different credit card that better suits your needs, you can explore your options and when ready you can make your request by going into your RBC Online Banking and use the online request form or by calling our 24-hour toll-free number: 1-800-769-25121-800-769-2512.
If you would like to cancel your credit card, call our 24-hour toll-free number 1-800-769-25121-800-769-2512 and we would be happy to help you.

What are some features and benefits of my credit card? What are some features and benefits of my credit card?

Each credit card offers different features and benefits, that’s why it’s important to choose a credit card that fits your lifestyle. You can choose from travel, cash back, rewards, low interest, student and no annual fee, depending on what benefits you value most. If you already have a card and want to learn about your current benefits, visit our cardholder hub.

What is the Lowe’s, RONA and Réno-Dépôt offer that is featured with an eligible new RBC Consumer credit card? What is the Lowe’s, RONA and Réno-Dépôt offer that is featured with an eligible new RBC Consumer credit card?

You are able to earn up to $100 in statement credits across your eligible purchases at participating Lowe’s, RONA and Réno-Dépôt locations and websites from August 18, 2022 to July 31, 2023. Plus, earn 1% on all your remaining eligible purchases up to August 11, 2024 by opting into the 1% offer before August 10, 2023 .

Is this a new credit card or a new collaboration between RBC and Lowe’s, RONA and Réno-Dépôt? Is this a new credit card or a new collaboration between RBC and Lowe’s, RONA and Réno-Dépôt?

No. This is not a new credit card or loyalty program from RBC and Lowe’s, RONA and Réno-Dépôt.

Yes. This is a new collaboration between RBC and Lowe’s, RONA and Réno Dépôt. You can load the Lowe’s, RONA and Réno-Dépôt offer to your existing eligible RBC cards to instantly start earning on cash savings. This is in addition to any other payment card features you already enjoy.

Is there a limit to how many transactions I can make within a year for the 1% offer? Is there a limit to how many transactions I can make within a year for the 1% offer?

No. There is no limit to the amount of transactions for which you can earn 1% cash back.

Is the Lowe’s, RONA and Réno-Dépôt offer available for any new RBC Credit Card? Is the Lowe’s, RONA and Réno-Dépôt offer available for any new RBC Credit Card?

Yes. The cash back offer with Lowe’s, RONA and Réno-Dépôt is available for eligible RBC credit cards. “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC^® Avion^® Visa Infinite Business^‡, RBC^® Visa^‡ Credit Line for Small Business^TM, RBC^® Visa^‡ Business, RBC^® Business Cash Back Mastercard^‡ and RBC^® Avion^® Visa Business^‡.