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RBC Rewards+ Visa

RBC Rewards+ Visa card

Earn 2,500 welcome points & get a 1.9% intro rate on cash advances and balance transfers for 10 months*

Get This Card

The card that gives you a choice of rewards.

  • Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases1
  • Earn 1 RBC Rewards point for every $2 spent on all other purchases1
  • No annual fee

Card Details:

Purchase Rate: 19.99%
Cash Advance Rate: 22.99%
Annual Fee: $0

Additional Card: $0
Cash Advance: $3.50 in Canada and $5.00 outside of Canada
Dishonoured Payment Fee: $45.00
Overlimit Fee: $29.00
Additional Copies: $5.00 Monthly Statement, $1.50 for Statement updates at the ATM, $2.00 for Transaction Receipts

Key Benefits

Use your card. Earn points. Get rewarded.

Every time you make a purchase with your credit card, you automatically earn RBC Rewards points that you can redeem for amazing rewards.

So many rewards to choose from!

Redeem your points for just about anything you’d want, including brands like Apple, Bose, Cuisinart and more.

Exclusive gift card redemption offer

RBC Rewards+ Visa cardholders can save on some of our most popular $25 gift cards and redeem with only 2,500 RBC Rewards points – that’s 1,000 points less than you currently need2.

Earn up to 3,500 bonus RBC Rewards points with our digital welcome offer

Primary cardholders can get 500 points for completing each of the following activities within 60 days of account approval3:

  • Share your email address with us
  • Sign up for eStatements for your card
  • Download and sign into either the RBC® Mobile4 or RBC Wallet4 app

And if you bank with RBC5:

  • Make an Interac e-Transfer6 with the RBC Mobile app or RBC Online Banking4
  • Transfer funds with the RBC Mobile app or RBC Online Banking
  • Deposit a cheque7 with the RBC Mobile app
  • Pay a bill with the RBC Mobile app or RBC Online Banking

Apply for an RBC Rewards+ Visa

Complete our simple and secure online application and get a response in less than 60 seconds!

You Get More Every Time You Use Your
Linked RBC Cards8 At Petro-Canada

Petro-Points
Instantly Save

3¢

per litre
on fuel9

+

Always Earn

20%

more
Petro-Points10

+

RBC Rewards
Always Earn

20%

more RBC Rewards points with an RBC Rewards credit card11

®/
Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
All other trademarks are the property of their respective owner(s).
To receive the 2,500 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first monthly statement. Additional cardholder(s), as well as existing RBC Visa Infinite Avion, Visa Platinum Avion, Cathay Pacific Visa Platinum, RBC® British Airways Visa Infinite‡, RBC Rewards Visa Preferred cardholders, applying for or transferring to an RBC Visa Infinite Avion card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Some restrictions apply. For completed terms and conditions that apply to the RBC Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
In order to benefit from the 1.9% introductory interest rate on cash advances and balance transfers for 10 months, your application form must be received and approved by us. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, use of RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant). All other account activities, including purchases, are subject to the annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that Introductory Interest Rate until your statement is prepared, the next processing day. At the expiration of this offer: (i) all cash advances; and (ii) any remaining balance, which were subject to the Introductory Interest Rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard rate and cash advances at a Promotional Interest Rate (e.g. a special lower rate credit card cheque or balance transfer or temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. For example, proportionate allocation means if your purchases balance at the standard rate is $800 and you have a cash advances balance of $200 at one Promotional Interest Rate, 80% will be allocated to your purchase balance and 20% will be allocated to your cash advances. If you miss making any minimum payment by the payment due date, and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or Promotional Interest Rate offer(s) in which you are participating and any remaining balances which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement beginning on the first day of the third statement period after the missed payment. As with any cash advances, the use of a credit card cheque or a balance transfer does not qualify for RBC Rewards® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Please call customer service at 1-800-769-2512 for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.
You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa’s “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. See sample list of eligible merchants. RBC Rewards points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
All rewards are subject to availability. The regular redemption rate for RBC Rewards members, other than RBC Rewards+ cardholders, is 3,500 RBC Rewards points for a $25 gift card for Amazon.ca, iTunes, Starbucks, McCafe and Cineplex. Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit www.rbcrewards.com or call 1-800-769-2512. Amazon.ca is not a sponsor of this program. No expiration date or service fees. For complete Amazon gift card terms and conditions, see www.amazon.ca/gc-legal. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.
Limited time offer must be fulfilled within 60 days from date of approval. This offer is not transferable, may not be combined or used in conjunction with any other offer. Offer may be changed, cancelled or withdrawn at any time. Only the Primary Cardholder of an RBC Rewards+ Visa card is eligible for this offer and may receive a one-time bonus of 500 RBC Rewards points (“Bonus Points”), for each listed offer (each a “Bonus Offer”) up to a maximum of 3,500 RBC Rewards points. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. Primary Cardholder can provide us their email address and sign up for eStatements through RBC Online Banking by visiting a branch or calling 1-800-769-2512.
RBC Canada, RBC Wallet, the RBC Rewards app and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device.
To bank with us means you must hold any of the following RBC bank accounts: RBC Day to Day Banking®, RBC No Limit Banking®, RBC Private Banking, RBC Signature No Limit Banking®, RBC Student Banking®, RBC No Limit Banking for Students®, RBC VIP Banking®, US Personal Account®, Ratelink Essential®, Ratelink Preference®, RBC Day to Day Savings®, RBC Enhanced Savings® or RBC High Interest eSavings®. IIf you do not have an Eligible Account you may open one by going online at www.rbcroyalbank.com/products/deposits/banking-accounts.html or by calling 1-800-769-2511.
Interac e-Transfers are free for all RBC personal chequing accounts. US Dollar accounts are not eligible. A fee of $1.00 may be charged to the sender for Interac e-Transfers sent from RBC personal savings accounts listed as an Eligible Account.
Deposits are subject to the same maximum deposit limits as well as release and payment amounts as deposits made at an RBC Royal Bank ATM. Cheques will also be subject to our Personal Banking hold policies.
 

For complete details, including the definition of the capitalized terms used in the disclosures below, please see full terms and conditions.

8)
To participate in this offer, you must have an Eligible RBC Card which is issued by Royal Bank of Canada.
9)
Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.
10)
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.
11)
Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account.