Vantage Snapshot in the RBC Mobile App

Get a Clear Picture of Your Cost Savings, Rewards and More

With RBC Vantage, your personal bank account unlocks powerful benefits like saving on monthly account fees³, earning Avion points on debit purchases¹, discounts and more. Now, you can keep track of all that value with the Vantage Snapshot, a new feature in the RBC Mobile² app that gives you a personalized picture of your cost savings and Avion points —plus tips to help you unlock even more benefits—in one handy spot.

Enjoy a detailed look at all the ways you’re saving money.

See how you’ve saved with your eligible RBC bank account and easily view where your savings are coming from. Your Vantage Snapshot will show you:

Fee savings such as monthly fee rebates for bank accounts enrolled in the Value Program³ and credit card annual fee rebates⁶
Gas savings from using your linked RBC debit and/or credit card to pay for fuel at Petro-Canada⁵
Welcome offers from RBC – such as any cash offer you may have received after you opened an eligible RBC bank account

Keep track of your available Avion points balance.

Have an RBC bank account enrolled in the Value Program or an Avion Rewards credit card? See your total, available Avion points balance, with a detailed breakdown by product.

Get personalized tips to unlock more savings and rewards.

Your Vantage Snapshot also gives you helpful insights based on your banking activity to show you ways you could increase your cost savings, earn Avion points faster and unlock even more benefits from your everyday banking.

Note: Your Vantage Snapshot will appear in the RBC mobile app if you have an eligible account, and have saved $2 in cost savings or earned at least 1 Avion point.

Thanks for banking with RBC! To access the Vantage Snapshot, you need:

An eligible RBC bank account
See eligible accounts
RBC Online Banking
Not yet enrolled? Enrol now
RBC Mobile app

To view your Vantage Snapshot now:

Sign in to the RBC Mobile app.
Tap More.
Tap Vantage Snapshot and enjoy seeing the value you’ve unlocked at RBC.

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Open your account online and enrol in the Value Program at the same time to get more from your everyday banking.

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Your Top Questions Answered

What is the Vantage Snapshot and how do I access it?

The Vantage Snapshot is a new feature in the RBC Mobile app that gives you a clear, personalized picture of the value you get from your eligible RBC bank account. This may include any cost savings, and your total, available Avion points balance—plus tips to help you unlock even more benefits—all in one spot.

You can access your Vantage Snapshot in the RBC Mobile app by tapping Vantage Snapshot under the More menu.

How is the Vantage Snapshot different than RBC Vantage?

RBC Vantage is the way we describe all of the powerful benefits you can get just by using your eligible RBC bank account. There is no additional cost to enjoy these benefits—and you don’t need a minimum balance.

Available in the RBC Mobile app, the Vantage Snapshot gives you a clear, personalized picture of the value you get from using your eligible RBC bank account. This may include any cost savings, and your total, available Avion points balance—plus tips to help you unlock even more benefits—all in one spot.

How is the Vantage Snapshot related to the Value Program?

The Value Program is just one of the many benefits of RBC Vantage. If you enrol an eligible account into the Value Program, you can start earning Avion points on debit purchases made with your enrolled account. Plus, you can save on your enrolled account’s monthly fee if you hold at least two additional eligible products and complete monthly account activities, including direct deposit, eligible bill payment or pre-authorized payments.

Your Avion points, as well as any monthly fee rebates from the Value Program, will be shown in your Vantage Snapshot.

Will I be able to see the Vantage Snapshot?

Your Vantage Snapshot will appear in the RBC mobile app if you have an eligible account, and have saved $2 in cost savings or earned at least 1 Avion point.

Note: If you are a Private Banking client, you will not be able to see the Vantage Snapshot.

Why did RBC create the Vantage Snapshot?

The Vantage Snapshot was created to give you a clear picture of the benefits you get with your eligible RBC bank account. It’s our way of showing you the value you get and helping you find additional ways to save and earn.

What’s included in Cost Savings in my Vantage Snapshot?

The Cost Savings section shows the different ways you have saved money during the calendar year (January 1 to December 31) by using your eligible RBC personal bank account – for example, any savings on monthly account fees, rebates on annual credit card fees, and savings on gas with Petro-Canada. Some of the savings amounts may update more regularly than others and at different times of the month.

Note: USD and Leo’s Young Savers® accounts are not visible in the Cost Savings details.

Are my Petro-Canada savings displayed in my Vantage Snapshot?

Yes—in your Vantage Snapshot, you’ll be able to see a section with the total amount of savings earned at the pump during the calendar year for all eligible linked accounts and credit cards (i.e. cash saved and Avion points earned on gas). You can choose to link any eligible RBC debit or credit card to your Petro-Points card in RBC Online Banking or the RBC Mobile app.

Note: Your Vantage Snapshot will only show your savings earned since the first day of the current calendar year and will not display the number of Petro-Canada points earned.

What’s included in Available Points Balance in my Vantage Snapshot?

The Available Points Balance is the total Avion points balance that is currently available to you across all your eligible bank accounts and credit cards. Within your Vantage Snapshot, any Avion points earned on credit card purchases will be reflected daily, whereas those earned from accounts enrolled in the Value Program will typically show up within the first 5 business days of the next month.

Note: If you close a bank account or a credit card account that has already earned Avion points, the corresponding points balance will be visible in the Vantage Snapshot for 180 days from the date of account closure. Please check the rbcrewards.com website to view all of your available points balances. After closing your account, you have 12 months to use your Avion points, which can be redeemed by calling the RBC Advice Centre at 1-800-769-2512.

What is the Account Status section?

The Account Status section will be displayed if you have an account that is enrolled in the Value Program and have not yet completed your two required monthly account activities that month. (You can choose from a pre-authorized payment, direct deposit or eligible bill payment.) You will be able to complete these activities by clicking on links directly within the Account Status section.

Note: For direct deposits and pre-authorized payments, the Vantage Snapshot will display our projection of your current account status, based on whether these account activities were completed in the previous month. If you make a change to an existing direct deposit or pre-authorized payment, this may not be reflected in your Vantage Snapshot until the following month. For up-to-date information about your account activities or eligibility for a Value Program rebate, please book an appointment with an advisor, call 1-800-769-2511, or visit a branch.

For any enrolled account, you may still be prompted to complete monthly account activities even if you are not paying a monthly fee on that account, or if you have not met the eligibility criteria required to earn a Value Program rebate.

Do all RBC clients see the same Vantage Snapshot?

No, your Vantage Snapshot could look different than someone else’s because it is customized based on the everyday banking products and services you have, and how you use them.

Note: USD and Leo’s Young Savers account-holders will not see their specific account in the list of details for fee rebates and savings.

Where can I see my Vantage Snapshot?

You can access your Vantage Snapshot in the RBC Mobile app by tapping Vantage Snapshot under the More menu.

Note: Your Vantage Snapshot will appear in the RBC mobile app if you have an eligible account and have saved $2 in cost savings or earned at least 1 Avion point.

Is Vantage Snapshot free?

Yes, the Vantage Snapshot is a no-cost feature that can be accessed within the RBC Mobile app (eligibility criteria apply)

Legal Disclaimer¹

When you enrol your eligible RBC personal bank account into the RBC Value Program (“Enrolled Account”), you become eligible to earn Avion points within the Avion Rewards program when you make purchases from your Enrolled Account, and any such points earned will be deposited into the Avion Rewards account tied to your Enrolled Account. Purchases from your Enrolled Account refers to purchases using your RBC Client Card (i.e. debit 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 and the Avion Rewards program are governed by the Avion Rewards Terms and Conditions . Paper copies are available upon request. For complete details on the Value Program, please see the Value Program Terms & Conditions.

Legal Disclaimer²

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Legal Disclaimer³

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 two (2) 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

Legal Disclaimer⁵

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. 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.

Legal Disclaimer⁶

As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.

Legal Disclaimer^{® / ™}

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

Legal Disclaimer^‡

All other trademarks are the property of their respective owner(s).

Vantage Snapshot

Get a Clear Picture of Your Cost Savings, Rewards and More

Enjoy a detailed look at all the ways you’re saving money.

Keep track of your available Avion points balance.

Get personalized tips to unlock more savings and rewards.

I’m Ready to Get Started

Eligible Accounts:

Find Your Account—There’s Something for Everyone

Your Top Questions Answered