rbc travel insurance credit card

RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

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RBC Avion Visa Infinite – a Premium Travel Credit Card with Insurance Benefits

Card Details

Travel rewards.

Earning is easy

Earn 1 Avion point for every $1 you spend, plus an extra 25% on eligible travel related purchases 12 .

Choose any airline, any flight, any time

No blackouts or seat restrictions. If there's an open seat, you can fly – even during peak seasons.

Travel anywhere you want to go

Take a look at our Air Travel Redemption Schedule to see how many points you need. One-way flights start as low as 7,500 Avion points! ^

So easy to book travel

Use our online tool to book travel rewards instantly .

The Friday Friend Pass - 2 for 1 Ski Passes!

Love skiing or snowboarding? Get one FREE lift pass when you buy one Friday lift pass with an RBC Avion Visa, at participating resorts across Canada. Learn More

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Save and Earn Faster with RBC Offers

Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.

Redeem points for other great stuff

Including the latest Apple products, over 50,000 tech products at Best Buy, and an amazing selection of merchandise, gift cards, RBC Financial Vouchers and more.

Convert your points to other programs

Eligible Avion Rewards members can convert points to other loyalty programs including WestJet dollars and Hudson’s Bay Rewards points.

Payback with points

Use your Avion points toward your credit card balance. 3

Additional Features

Great Benefits – Just for RBC Avion Visa Cardholders

From exclusive perks to enhanced coverage, explore all the benefits that come with being an RBC Avion Visa Cardholder.

Extensive insurance coverage

• Mobile Device Insurance included – up to $1,500 7
• Travel with ease with trip cancellation 8 and trip interruption 8 insurance, and emergency medical 9 .
• Plus, eligible purchases 7 made on the card are protected.

For more details regarding all available insurances on this card,  click here .

Visa Infinite Benefits

Get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits via www.visainfinite.ca

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Instant Fuel Savings at Petro-Canada

Link your card and get the following:

• Instantly save 3¢/L on fuel 4 and always earn 20% more Petro-Points 5
• Always earn 20% more Avion points 6

For more details click here .

Earn more Be Well points at Rexall

Link this card with your Be Well card to:

• Get 50 Be Well points for every $1 spent on eligible products at Rexall 13
• Redeem Be Well points faster for savings in store on eligible purchases 14 ; 25,000 Be Well points = $10

Get 20% 10 off at Hertz and earn 3x 11 the points

20% savings 10 (applies to the base rate only), and more Avion points 11 are just more advantages of being an Avion cardholder. Find out how to load this offer .

Get $0 delivery fees for 12 months from DoorDash 17

Add your eligible RBC credit card to your DoorDash account to:

• Get a 12-month complimentary DashPass subscription 18 – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Credit Card Lock

You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More

Speed, convenience and security

Use Visa payWave when paying for small purchases. Just tap your card and you're on your way.

Optional Extras

Optional Add-On Services

Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance:

Add-on Travel Insurance

RBC Road Assist

BalanceProtector Max Insurance

Identity Theft & Credit Protection

Apply online for a premium travel credit card

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10 Credit Cards That Provide Travel Insurance

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Travel insurance helps you get your money back when things go wrong with your trip. And it remains a debate: Do you really need it, and is it worth it?

Personally, I’ve often skipped travel insurance, preferring to put the extra money toward my trip. Yet as I pulled into the airport after a winter ski trip to Jackson Hole, Wyoming, in my SUV rental, a snowplow kicked up a rock and a crack extended across the windshield. And just like that, I got in the dreaded rental car accident .

Thankfully, I had rented my car with my Delta SkyMiles® Gold American Express Card , which covered rental car windshield reimbursement. Note that I had also specifically opted out of the car rental's insurance coverage offered at the counter, which is a requirement in order to allow my credit card coverage to kick in. Terms apply.

» Learn more: The best travel credit cards right now

A number of credit cards provide various types of travel insurance (including trip cancellation, trip interruption and car rental loss and damage insurance) when you use your card to pay for flights, rental cars and other travel expenses. So do you need additional travel insurance? Maybe not.

What does your travel insurance cover?

First, let’s look at the different types of coverage that your credit card may offer to help protect your trip, from your bags to your rental car to your health.

Baggage delay . If your luggage doesn’t arrive when you do, you may receive a reimbursement to offset the costs of having to purchase new attire and other items you may need. The length of delay required and the coverage offered varies by card.

Lost/damaged baggage . If your bags are lost or damaged by a carrier, or items have been stolen from your baggage, your provider may provide monetary compensation.

Trip delay . If your trip on a common carrier is delayed, you may receive monetary compensation to help cover meals, hotels, transportation and necessary purchases up to a certain amount per ticket.

Trip cancellation . If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card.

Trip interruption . If you miss a portion of your trip due to a covered reason, this benefit will reimburse you for any unused, prepaid, nonrefundable reservations (i.e., excursions, hotel nights).

Medical treatment . If you are hurt while traveling and require medical treatment, medical expenses may be covered up to a certain dollar amount.

Medical evacuation . If your illness or injury requires you to return home immediately for care, the insurance coverage through your card may cover the costs.

Travel accident insurance. In the case of accidental death or dismemberment, your credit card may provide coverage to you or to your beneficiary

Rental car insurance. This coverage provides protection to your rental car against theft and damage. Coverage may be primary or secondary to your personal auto insurance, depending on the card.

» Learn more: Should you insure your cruise?

Popular credit cards with travel insurance

Some of the best travel rewards cards include various forms of travel insurance. These are a few of our favorite cards that offer certain types of coverage. If you have a different travel rewards card, it’s a good idea to check the benefits of your card before assuming that it either does or doesn’t have any of the coverage listed here.

1. Chase Sapphire Reserve®

Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip delay: Up to $500 per ticket for delays more than six hours.

Baggage delay: Up to $100 per day for five days.

Lost luggage: Up to $3,000 per passenger.

Travel accident: Up to $1,000,000.

Rental car insurance: Up to $75,000.

2. Chase Sapphire Preferred® Card

Trip delay: Up to $500 per ticket for delays more than 12 hours.

Travel accident: Up to $500,000.

Rental car insurance: Up to the actual cash value of the car.

3. Marriott Bonvoy Brilliant® American Express® Card

Lost luggage: Up to $2,000 for checked bag and up to $3,000 for checked and carry-on bag. New York state residents get $2,000 per bag, up to a maximum of $10,000 for all covered persons per trip.

Travel accident insurance. Up to $500,000.

Trip delay insurance: Up to $500 per trip. Maximum benefit of $1,000 per 12-month period.

Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

4. Marriott Bonvoy Boundless® Credit Card

Baggage delay: Up to $100 per day for five days for essential purchases like toiletries and clothing for delays of over six hours.

Lost luggage: Up to $3,000 per passenger for checked or carry on luggage.

Damaged luggage: Up to $3,000 per passenger for checked or carry on luggage.

5. Southwest Rapid Rewards® Plus Credit Card

Baggage delay: Up to $100 per day for three days.

Travel accident insurance: Up to $250,000 to $500,000 (Visa Platinum and Visa Signature, respectively).

Rental car insurance: Up to actual cash value of vehicle.

Travel and emergency assistance services: Assistance and referral via the Benefit Administrator, cardholder is responsible for all costs.

6. United℠ Explorer Card

Trip cancellation: Up to $1,500 per person and $6,000 per trip.

Trip interruption: Up to $1,500 per person and $6,000 per trip.

Rental car insurance: Covers damage or theft with restrictions.

7. Delta SkyMiles® Gold American Express Card

Lost carry on luggage: Up to $1,250 per person for carry on baggage while in direct transit to or from a common carrier terminal, while traveling on a common carrier or while at a common carrier terminal.

Lost checked luggage: Up to $500 per person while traveling on a common carrier.

Rental car insurance: Up to $50,000.

Terms apply.

8. The Platinum Card® from American Express

Trip delay: Up to $500 per trip for delays more than 6 hours.

9. Capital One Venture Rewards Credit Card

Lost luggage: Up to $3,000 per passenger. For New York state residents, coverage is limited to $2,000 per bag.

Travel accident insurance: Up to $250,000.

Rental car insurance: Covers damage or theft with restrictions. Eligible rental periods are limited to 15 consecutive days in the cardholders home country or 32 consecutive days outside it.

10. Hilton Honors American Express Aspire Card

Baggage delay: Up to $100 per carrier for three days.

Do I need additional travel insurance?

Even with the coverage listed above, some credit cards offering travel insurance benefits may not provide enough insurance for your needs. For example, if you have paid $10,000 for a vacation using your card and trip cancellation is not offered, you may want to purchase additional coverage. Likewise, if you book a very expensive trip but your card only covers $10,000 in trip cancellation coverage, you may want to consider additional coverage.

American Express offers full travel insurance options through AmEx Assurance . This specific benefit is available to all travelers and does not require an American Express card. You can pick and choose the coverage you want, and a quote will be processed based on your age, trip expense and days traveling.

For example, here's what we found when requesting insurance for a two-day trip that costs $1,000. You can decide what coverage you'd like and see the full cost of your options:

The quote we received covered 100% reimbursement for cancellation, then offered different levels for other types of coverage.

Medical protection was available for $25,000 to $100,000.

Travel accident protection was available for $250,000 to $1,500,000.

Baggage protection was available for up to $500 to $2,500.

Trip delay coverage was offered for $150 to $1,000 per day, depending on selecting basic, silver, gold or premium options.

When renting a car, be sure to check the specific requirements of your credit card, which may vary by location and type of vehicle.

So do you need travel insurance? A good rule of thumb is if the amount you could lose is more than you want to lose (or can afford to lose) if something goes wrong, get the insurance. For a list of travel insurance companies that provide online quotes, read more about how to find the best travel insurance .

» Learn more: Does trip insurance cover award flights?

Cards with travel insurance, recapped

If you are concerned about an upcoming trip and want to be fully protected, combine your travel credit card insurance with a build-your-own plan to cover what your credit card does not.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Canada’s 7 Best RBC Credit Cards

RBC is one of Canada’s leading Big 5 banks, offering a variety of travel and cash back credit cards.

Here are our picks for the best RBC credit cards in Canada.

Best RBC Credit Cards

Best overall rbc credit card.

• Earn 35,000 RBC Avion points † when you get approved for the card
• Plus, earn  20,000 RBC Avion points † upon spending $5,000 in the first six months
• Earn 1.25x RBC Avion points †  on qualifying travel purchases
• Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights †
• Redeem Avion points for flights with the RBC Air Travel Redemption Schedule †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $120 †

The RBC Avion Visa Infinite is RBC’s core travel credit card. You’ll earn 1.25 Avion points per dollar spent on travel, and 1 point per dollar spent on all other purchases.

Avion points are one of the few transferable rewards currencies in Canada, making them very valuable. There are some good sweet spots with any of their transfer partners, including British Airways Avios , Cathay Pacific Asia Miles , and American Airlines AAdvantage. It’s often best to wait for a transfer bonus, which could net you 10–50% more points depending on the partner program.

For straightforward round-trip flights in economy class, you can also score great value with the Air Travel Redemption Schedule. You can redeem your rewards for up to 2 cents per point for most destinations. If you book this way through the RBC Rewards centre, you can also use your points to cover taxes and fuel surcharges.

As an added bonus, RBC has special promotions for Avion cardholders. Check the offers on your account from time to time, and you can earn discounts or additional Avion points for using your card to make purchases at merchants like Best Buy, Indigo, Apple, Rexall, or HelloFresh. There’s also an ongoing benefit of discounts and extra points at Petro-Canada.

The card also has some unique insurance benefits, like a high amount of hotel burglary coverage and mobile device insurance. A mid-tier card with a manageable annual fee, the RBC Avion card is always useful to have in your wallet for those types of purchases and bookings.

If you don’t qualify with at least $60,000 annual personal income or $100,000 annual household income, you can apply for the RBC Avion Visa Platinum. You’ll get all of the same earning and redemption opportunities (except for bonus points earned on travel purchases) and the same annual fee, just with no minimum income requirement.

Best Premium RBC Credit Card

• Earn 35,000 RBC Avion points† when you get approved for the card†
• Then, earn 20,000 RBC Avion points†  upon spending $5,000 in the first six months †
• Plus, earn 1.25x RBC Avion points † on all qualifying purchases
• Use your rewards for any business class flight with no restrictions on dates, seats, or airlines †
• Transfer points to one of four airline partners †
• DragonPass membership with six free lounge visits per year †
• Minimum income: $200,000 personal or household†
• Annual fee: $399 †

The RBC Avion Visa Infinite Privilege is RBC’s top-tier card. It’s a step up from their other cards, earning 1.25 Avion points per dollar spent on all purchases.

As for travel benefits, you’ll get a better insurance package, as well as a complimentary DragonPass membership with six annual free lounge visits, as is standard on all Visa Infinite Privilege cards.

But perhaps the most intriguing advantage of this card is that you can redeem your Avion rewards at a rate of 2 cents per point for any business class flight. If you can find some cheap cash fares, you can score some flights this way for even better value than you might find with frequent flyer programs.

Best RBC Mastercard

• Earn 250 WestJet dollars upon making your first purchase†
• Plus, earn 200 WestJet dollars upon spending $5,000 in the first three months†
• Plus, receive an annual companion voucher for discounted travel on WestJet flights, with a co-pay starting at $119 plus taxes and fees†
• Minimum income: $80,000 personal or $150,000 household
• Annual fee: $119

The WestJet RBC World Elite Mastercard is RBC’s go-to travel-oriented Mastercard.

You’ll earn 1.5 WestJet Dollars per 100 dollars spent, good for 1.5% back. You can use your rewards to cover payments for WestJet flights or WestJet Vacations.

The card’s best feature is its annual companion voucher. Every year, including your first year with the card, you can book a second round-trip ticket with a reduced base fare when you pay full price for your own seat. You’d still have to pay $119 to $399 plus taxes and fees, depending on the destination, but these rates can represent steep discounts if you travel in high season.

Best RBC Credit Card for Daily Spending

• Earn 3,500 Avion Premium points upon approval †
• Plus, earn  3,500 Avion Premium points  upon spending $500 in your first three months†
• Earn 3x points † on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†
• Mobile device insurance †
• Monthly fee: $4 †

The RBC ION+ Visa is an intriguing option for spenders who want to earn enticing travel rewards while keeping credit card fees down.

The card has a monthly fee of just $4, while earning a hefty 3 points per dollar spent on a wide range of lifestyle categories, including groceries, dining, commuting, and entertainment subscriptions.

As an ION+ cardholder, you’ll earn points at the Avion Premium tier. Aside from WestJet, you can’t transfer these points to airline partners or use the Air Travel Redemption Schedule. As an ION+ cardholder, you’ll miss out on the very best ways to stretch your value with the trio of Oneworld airline programs of British Airways Avios, Cathay Pacific Asia Miles, and American Airlines AAdvantage.

Luckily, you can easily upgrade the card to an Avion card. This moves your cardholder status to Avion Elite, which lets you transfer Avion Rewards points to frequent flyer programs.

If you have an RBC ION+ Visa and an Avion Visa, you can transfer your Avion Premium points into Avion Elite points. This is an ideal setup, as you can earn at elevated rates with the RBC ION+ Visa, while redeeming in the most valuable ways as Avion Elite points.

Best No Fee RBC Credit Card

• Earn 1.5x Avion Premium points † on qualifying grocery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†
• Annual fee: $0

The RBC ION Visa is the best entry-level card offered by RBC. You can earn 1.5 points per dollar spent on groceries, dining, and other lifestyle categories, and 1 point per dollar spent everywhere else.

You can redeem your Avion Rewards points for gift cards at a rate of 1 cent per point, although with frequent discounts of 30%, you can often get a rate of 1.43 cents per point. If you wait for these promotions, you can significantly increase your returns on daily spending, which you can’t do on most no-fee cards.

Otherwise, like with the ION+ card, you can upgrade the ION card to an Avion card to take advantage of exclusive airline transfer partners available to Avion Elite cardholders, or hold both and transfer your Avion Premium points into Avion Elite points.

If you can’t qualify for a higher-tier card initially, the ION card is a great starting point as you begin making plans for future travel with the three Oneworld programs.

Best Cash Back RBC Credit Card

• Earn 2% cash back † on groceries, up to $6,000 spent
• Plus, earn 1% cash back † on grocery and non-grocery purchases above $6,000
• 0.5% cash back † on non-grocery purchases up to $6,000

The RBC Cash Back Mastercard has an interesting rewards structure. Your earn rates will vary depending on how much you spend in different categories.

You’ll earn 2% cash back on your first $6,000 of grocery purchases each year; then your rewards rate drops to 1%. You’ll also earn 0.5% on your first $6,000 of other purchases each year; then your rewards rate increases to 1%.

If most of your spending is on groceries, you’ll be hard-pressed to find a no-fee card that earns more than 2%. And if you exceed $500 per month on average, at that level you’re probably better off swallowing a modest fee for bigger rewards.

If you’re a high-volume spender in other categories and you’ll easily reach the 1% rate, that’s a great return for an entry-level cash back card that doesn’t face the same acceptance issues as American Express cards.

Best RBC Credit Card for Business Owners

• Earn 35,000 RBC Avion points when you get approved for the card
• Plus, earn 1.25x RBC Avion points on all purchases
• Use your rewards for any business class or First Class flight with no restrictions on dates, seats, or airlines
• Transfer points to one of four airline partners
• Qualify for the card with a registered business
• Annual fee: $175 (rebated in the first year)

The RBC Avion Visa Infinite Business is the go-to choice for business owners looking to rack up points for business travel.

You can transfer your Avion points to RBC’s Oneworld airline partners, use the RBC Air Travel Redemption Schedule for economy flights, or credit your points against any business class flight at a rate of 2 cents per point.

The card earns 1.25 Avion points per dollar spent on your first $75,000 in purchases per year, or 1 point thereafter. It also comes with a solid suite of travel insurance coverage.

You can have these unique high-value perks like extra Avion points on spending and 2 cents per point redemptions for premium class tickets, all for an annual fee of just $175.

Compared to the RBC Avion Visa Infinite Privilege and its $399 annual fee for those same benefits, you should definitely see if you have an opportunity to get this business credit card instead.

RBC Credit Cards: What You Need to Know

When choosing an RBC credit card, you should familiarize yourself with what benefits a RBC credit card can offer, what features to look out for, and how RBC credit cards can fit into an optimized overall credit card strategy.

Why get an RBC credit card?

Overall, RBC’s credit cards have modest welcome bonuses and everyday earn rates. Instead, the biggest appeal is their unique airline partners.

RBC Avion points are transferable to frequent flyer programs with three airlines ( British Airways , Cathay Pacific , and American Airlines ) that are members of the Oneworld alliance. You can then book partner award space from these loyalty programs. RBC also has co-branded credit cards for British Airways and Cathay Pacific .

This gives you some new options for travel, as other Canadian banks put more of an emphasis on Air Canada’s Aeroplan program and its Star Alliance partners. Also, RBC is the only Big 5 Canadian bank with a transferable points currency, offering both flexibility and the potential for very high value redemptions.

Additionally, RBC opens the door to the SkyTeam alliance. Although WestJet isn’t a member, they have codeshare agreements with several SkyTeam airlines like Delta, Air France, and KLM, and you can use WestJet dollars on those routes. Whether with the co-branded WestJet RBC World Elite Mastercard or by transferring RBC Avion points, there are quite a few ways to earn WestJet Dollars from RBC.

As the cherry on top, RBC runs promotions where you can get a 10–50% bonus for transferring points to airlines or redeeming them for gift cards. Other banks don’t do this as often, if at all, and it’s rare to be able to exchange points for gift cards at a similar value as travel redemptions.

Finally, if you bank with RBC, you can get a MultiProduct Rebate if you have an RBC credit card. Since it reduces your monthly banking fees, there’s no reason not to have a card, even if it’s just a basic one with no annual fee.

What should you look for in an RBC credit card?

RBC has a mix of cards for different purposes:

• RBC’s Mastercards include their WestJet co-branded cards and cash back cards
• RBC’s Visa cards make up the rest of their travel products, including the full Avion Rewards line as well as co-branded cards with British Airways and Cathay Pacific

RBC’s primary travel rewards program is officially known as Avion Rewards. As a cardholder of any credit card that earns Avion points, you’re an Avion Premium member, meaning you can redeem points for travel bookings, merchandise, gift cards, or WestJet Dollars. Travel redemptions booked through Avion Rewards can be made for 1 cent per point.

Meanwhile, Avion-branded credit cards are a subset of Avion Rewards. These cardholders are considered Avion Elite members with additional premium travel redemption options:

• All Avion cardholders can use the Air Travel Redemption Schedule, a region-based chart with fixed points prices for round-trip travel between Canada and each zone. You can book any seat on any flight, up to a maximum cash fare. If you’re able to maximize the chart’s sweet spots, you should expect to be able to redeem your rewards for around 2 cents per point.
• All Avion cardholders can transfer points to British Airways Avios, Cathay Pacific Asia Miles, or American Airlines AAdvantage.
• Visa Infinite Privilege and Visa Infinite Business cardholders can also use points for business class and First Class flights, at a fixed rate of 2 cents per point, with no limit per booking. This can be a very lucrative upgrade from the regular rewards rate of 1 cent per point for all travel bookings.

Aside from transferring your Avion points, you can earn airline miles directly on a British Airways or Cathay Pacific co-branded card, if you’d prefer. These cards have features like an annual companion fare or an anniversary bonus for second-year cardholders.

All of RBC’s cards come with the standard benefits for their card tier:

• All Visa Infinite cards have access to Concierge services, the Luxury Hotel Collection, and the Dining Series & Wine Country program
• In addition, Visa Infinite Privilege cards come with a DragonPass membership which includes six annual visits to participating airport lounges and restaurants each year
• All World Elite Mastercards come with a DragonPass membership (although no free passes from RBC) and in-flight Boingo Wi-Fi

RBC frequently offers First Year Free promotions or larger welcome bonuses for new signups for their Avion Visa Infinite and WestJet World Elite cards. It’s generally best to wait for one of these opportunities before applying.

If your personal or household income isn’t high enough to qualify, see if you’re eligible for a lower-income variant of the same card.

Often RBC will have the same offer for both cards, or downgrade your application for the premium product if necessary, so you can still earn many of the same perks and welcome bonuses.

What’s the optimal strategy for RBC credit cards?

RBC offers the most powerful rewards and travel benefits among the Big 5 Canadian banks, and is second only to American Express credit cards among all Canadian issuers.

If you’re a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, RBC credit cards should have a significant presence in your wallet.

For international travellers, by transferring Avion points to one of the Oneworld airline partners (often with a 10–50% transfer bonus) or by earning miles directly with the British Airways or Cathay Pacific co-branded cards, you can redeem miles for long-haul international flights for a much higher value than by redeeming Avion points for flights directly.

For domestic travellers, booking flights through the Air Travel Redemption Schedule and collecting WestJet Dollars can help you cover a fair chunk of your domestic flights, too.

While the individual welcome bonuses on each RBC credit card might not be world-beating, there are quite a few different RBC credit cards you can apply for, and you can stack all of these welcome bonuses into a concentrated points balance in either Avion or one of the partner programs (Avios, Asia Miles, or WestJet).

RBC is also known to grant the welcome bonus upon switching your card from one product to a new one, allowing you to pick up new welcome bonuses while preserving the same account (and all of its history) on your credit file.

Frequently Asked Questions

Below are some questions we frequently hear from readers about the best RBC credit cards in Canada.

Can I have more than one RBC credit card at the same time?

Yes, but you can typically only be approved for one card every 90 days. If you apply sooner, you’ll almost certainly be automatically rejected, and the 90-day waiting period will reset.

Which credit bureau does RBC check?

RBC always checks TransUnion.

Can I do a product switch with RBC?

Yes, and you can often get the same welcome bonus upon switching to a credit card as when submitting a new application, unless it’s an elevated offer that’s specific to new applicants only.

Can I get RBC business cards?

Yes, you can easily apply as a sole proprietor doing business as your own name. However, expect RBC to ask for business registration documents .

I’ve got the RBC Avion Visa Infinite and RBC Westjet World Elite card. For an upcoming travel booking is it better to transfer my avoin points to Westjet cash to pay for the booking or pay the remaining balance on the Avion card and apply the points to the balance?

Does a product switch count as an application and I have to wait 90 days after that? Also I heard rumour that you can hold both the RCB Avion Platinum and the Infinite (not privilige) at the same time? Is that true or false? Thanks for all the great articles!

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The best RBC credit cards in Canada for 2024

Discover the best RBC credit cards, whether you’re looking for cash back, travel points or low interest.

Why trust us

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers. Learn more about our  advertising and trusted partners .

The best RBC credit cards in Canada by category

By Sandra MacGregor on March 1, 2024 Estimated reading time: 7 minutes

Royal Bank of Canada offers an array of credit cards catering to various preferences and spending habits. Whether you prioritize travel rewards with Avion points, seek the flexibility of cash back, or prefer unique benefits like WestJet dollars, RBC has a card for you. With credit cards spanning the Visa and Mastercard networks, cardholders can tailor their shopping experience to suit their preferences. Let’s explore the standout features of the best RBC credit cards in Canada.

Best RBC travel credit card

At a glance: The RBC Avion Visa Infinite is a premium travel credit card that has a flexible rewards program and exclusive benefits. Cardholders earn 1 Avion point per $1 spent, and a boosted 1.25 points on eligible travel expenses (like flights, cruises and car rentals).

RBC Avion Visa Infinite

• Annual fee: $120
• Earn rate: 1.25 Avion points per $1 spent on travel (including flights, hotels, taxis and public transit) and 1 point per $1 on all other purchases.
• Welcome bonus: You can earn 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by April 30, 2024. Apply online and get a response in as little as 60 seconds.
• Annual income requirement:  Personal income of $60,000 or household income of $100,000
• Point value: 1 RBC Avion point = Up to $0.023 when redeemed for travel using RBC’s Air Travel Redemption Schedule. 
• Recommended credit score : None specified
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
• RBC Avion points can be worth as much as $0.023 each when redeemed for travel, which is a high value among travel rewards cards.
• Avion has a lot of travel redemption flexibility. You can redeem your points for travel using RBC’s Air Travel Redemption chart, transfer points to select airlines (including WestJet), and redeem for travel purchases through RBC. 
• There are no blackout periods or seat restrictions, even during periods of high demand. 
• Exclusive access to concert tickets, including Taylor Swift . 
• Impressive travel insurance coverage, including trip cancellation and interruption and emergency medical. It even features mobile device insurance of up to $1,500.
• You’ll pay a foreign transaction fee of 2.5% on all purchases not in Canadian dollars. 
• The highest earn rate is 1.25%, which is not very high for a premium card; other premium cards feature significantly higher earn rates.
• The personal annual income requirement of $60,000 (or household income of $100,000) may be too high for some applicants.

Best RBC airline travel credit card

At a glance: With perks like a yearly round-trip companion voucher, free checked bags and Boingo Wi-Fi access, the WestJet RBC World Elite Mastercard makes an attractive travel buddy. In fact, it’s the best credit card in Canada for frequent WestJet flyers—full stop. Cardholders earn 2% back in WestJet dollars on purchases of WestJet flights and vacation packages and get 1.5% back on all other spending. One WestJet dollar has a value of one Canadian dollar.

WestJet RBC World Elite Mastercard

• Annual fee: $119
• Earn rate : 2% back in WestJet dollars on WestJet flights and vacations packages and 1.5% back on all other purchases
• Welcome offer : You can earn up to $450 in WestJet dollars with the WestJet RBC World Elite Mastercard. Plus, get a Round-Trip Companion Voucher Every Year – for any WestJet destination starting from $119 CAD (plus taxes, fees, charges and other ATC).
• Annual income requirements : Personal income of $80,000 or household income of $150,000
• Point value: 1 WestJet Dollar = $1 CAD when redeemed for eligible flights or vacation packages
• Recommended credit score: None specified
• Interest rates : 20.99% on purchases, 22.99% on cash advances
• Travel perks include complimentary first checked bags for the primary cardholder and up to eight companions.
• Get an annual round-trip companion voucher for any WestJet destination, starting at $119 (plus taxes, fees and other charges) or opt to exchange it for four lounge vouchers.
• Extensive travel insurance, including emergency medical, trip interruption and flight delay coverage. 
• Cardholders can save up to $0.03 on fuel at Petro-Canada and can also earn Rexall’s Be Well points.
• The card grants access to over 1 million Boingo Wi-Fi hotspots worldwide.
• WestJet dollars can’t be used to pay for taxes and fees.
• Unlike with Aeroplan, for example, rewards are not flexible as they can only be used for WestJet flights and WestJet vacations. 
• A minimum personal income of $80,000 (or $150,000 household income) is required to apply.

Best RBC no-fee travel rewards credit card

At a glance: The RBC ION Visa is a no-annual-fee rewards credit card that gives you 1.5 Avion points per $1 spent on groceries, rides, gas (and EV charging), streaming, subscriptions and digital gaming. Get 1 point per $1 spent on all other purchases.

RBC ION Visa

• Annual fee: $0
• Earn rate: 1.5 Avion points per $1 spent on groceries, rideshares, daily transit, gas, EV charging, streaming, digital gaming and subscriptions; and 1 point per $1 on all other purchases
• Welcome bonus: You can earn 3,500 Avion points upon approval
• Annual income requirement:  None
• Some redemption flexibility. You can redeem your points for travel, statement credits, merchandise, gift cards and more. 
• Enjoy fuel savings at Petro-Canada, a three-month free DashPass subscription, and Be Well points with purchases at Rexall pharmacies.
• Good for gamers: The RBC ION Visa is one of the only cards in Canada that lets you earn rewards on gaming subscriptions, digital downloads and in-game purchases.
• The card features purchase security and extended warranty insurance.
• The RBC Avion rewards program includes three different membership tiers: Avion Select, Avion Premium and Avion Elite. The RBC ION Visa is part of the Avion Premium tier, meaning you can’t redeem your points through RBC’s Air Travel Redemption Schedule—which offers the highest value for your points. That feature is part of Avion Elite, which requires having an RBC Avion card. 
• The card has limited insurance coverage.

Best RBC cash back credit card

At a glance: With the RBC Cash Back Preferred World Elite Mastercard, you’ll earn cash back on all your purchases. You’ll get 1.5% on the first $25,000 charged to the card annually and 1% thereafter. Enjoy additional benefits like instant fuel savings at Petro-Canada, Be Well points at Rexall and $0 delivery fees for 12 months from DoorDash.

RBC Cash Back Preferred World Elite Mastercard

• Annual fee: $99
• Earn rate: 1.5% back on all your purchases
• Welcome bonus: You can earn unlimited cash back, no limit to what you can get back
• Annual income requirement:  Personal income of $80,000 or household income of $150,000
• Recommended credit score for approval: None specified
• The annual fee of $99 is lower than many other premium cards.
• If you link your RBC card to your Petro-Points account, you’ll save $0.03 cents per litre on gas at Petro-Canada and also get a 20% bonus of Petro-Points.
• You can earn 50 points per $1 spent at Rexall when you link your RBC card and your Rexall Be Well card.
• Card comes with a 12-month free DashPass subscription.
• Weak insurance offering compared to other premium cards. It only includes rental theft and car damage, purchase protection and extended warranty.
• The boosted rate of 1.5% is capped at your first $25,000 spent annually.

Best RBC no-fee cash back credit card

At a glance: Like some of the best cash back credit cards in Canada , the RBC Cash Back Mastercard offers cash back with no annual fee. Earn up to 2% on groceries and up to 1% on all other purchases. Benefit from instant fuel savings at Petro-Canada, enhanced Be Well points at Rexall and $0 delivery fees for three months from DoorDash.

RBC Cash Back Mastercard

• Earn rate: 2% cash back on groceries and 1% back on all other purchases
• Welcome bonus: You can
• The card comes with purchase security and extended warranty protection.
• Save $0.03 per litre on fuel at participating Petro-Canada stations and earn 20% more Petro-Points.
• Get 50 Be Well points per $1 spent at Rexall.
• Enjoy a complimentary DashPass subscription for the first three months.
• The unusual rewards structure requires cardholders to read the fine print carefully to understand the spending limits at which their rewards will increase or decrease. You’ll get 2% cash back on groceries for the first $6,000 spent, which then drops to 1% per additional dollar spent in the category. For all other purchases, you’ll get 0.5% cash back on the first $6,000 spent—and 1% thereafter. 
• Very limited insurance offering, with only purchase security and extended warranty.

Best RBC low-interest credit card

At a glance: For individuals trying to tackle credit card debt, the RBC Visa Classic Low Rate Option is a valuable card. It offers a consistent 12.99% interest rate for purchases and cash advances—that can’t be said of all low-interest credit cards in Canada . While it may lack extensive perks, it does provide advantages like discounts at Petro-Canada and complimentary delivery services through DoorDash.

RBC Visa Classic Low Rate Option

• Annual fee: $20
• Welcome offer: None
• Annual income requirement: None
• Interest rates: 12.99% on purchases, 12.99% on cash advances, 12.99% on balance transfers
• With its affordable $20 annual fee and no minimum income requirement, this card is within reach for the majority of Canadians.
• Additional cards are available at no cost.
• Enjoy RBC Offers, which gives cardholders access to deals and savings.
• Earn more Petro-Points and get a discount on fuel at Petro-Canada.
• The card comes with a three-month complimentary subscription to DashPass.
• This card doesn’t come with any travel insurance.
• While the low interest rate is a boon to those with credit card debt, it doesn’t feature a balance transfer promotion, so you can’t move debt from a higher-interest card.

More of Canada’s best credit cards :

• Best credit cards in Canada
• Best travel credit cards
• Best travel insurance credit cards
• Best Air Miles credit cards
• Best no foreign transaction fee credit cards

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Table of contents

• Top RBC credit cards at a glance
• Best RBC cards by category

About Sandra MacGregor

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Get to know your WestJet RBC® World Elite Mastercard‡

Thank you for being a WestJet RBC ® World Elite Mastercard ‡ cardholder. We’re here to help you navigate some of the features and benefits that come with your card. In addition to earning WestJet dollars 1 , getting free first checked bags 2 and saving money with your annual round-trip companion voucher 3 your card also has a Status Lift benefit 4 that can also help you get closer to tier status with WestJet and access to airport lounges 5,6 . It also can get you discounts on fuel at Petro Canada 7 , and save you on fees with DoorDash 8 .   

On this page

WestJet Dollars

Welcome WestJet dollars

Some welcome offers require a minimum spend of $5,000 on your card in the first three (3) months to receive the full amount. Don’t miss out on valuable WestJet dollars, be sure to use your card to make sure you are earning to its full potential.

Earn WestJet dollars

Use your WestJet RBC ®  World Elite Mastercard ‡ for everyday purchases – no matter how big or small – and watch your WestJet dollars add up. 1

• 1.5% back in WestJet dollars on everyday purchases. 
• 2% back in WestJet dollars on flights or packages with WestJet or WestJet Vacations. 
• As a WestJet Rewards member you’ll also earn WestJet dollars as a percentage of the base fare on the flights, vacation packages and car rentals booked through WestJet.

Redeem WestJet dollars 

It’s your choice: use your WestJet dollars to pay for flights or vacation packages. 9  Redeem on any WestJet flight, including those operated by our codeshare partners. Redeem a few (starting with the minimum) or as many as you want on the base portion of fares. 

Frequently asked questions

WestJet dollars: FAQs

My account is not showing the westjet dollars i was supposed to have received.

You may obtain your current balance and more info on WestJet dollars earned and redeemed by signing into your WestJet Rewards account noted on your welcome email. Once approved for a WestJet RBC Mastercard credit card, please allow four to six weeks after your first purchase transaction for the welcome dollars and companion voucher to be posted to your WestJet Rewards account. 10

Can I use my WestJet dollars with my companion voucher?

You can use your WestJet dollars to pay for the outstanding balance of your base fare when using a companion voucher on WestJet flights.

Free first checked bags 

As the primary cardholder you can receive your first checked bag free for yourself and up to eight (8) additional guests travelling on the same reservation. 2 To make sure you are not charged for your first checked bag please ensure that the WestJet Rewards ID that is associated with your card is included on your reservation. 

Please note, free bags are tied to the WestJet Rewards ID of the primary card holder and the cardholder’s name must be on the reservation. Unfortunately, we are unable to accept cards shown at the airport or the WestJet Rewards ID of the secondary cardholder. Flights must be operated by WestJet. 

Free first checked bags: FAQs

Can my secondary card holder also receive free checked bags when travelling without me.

This benefit is valid for the primary cardholder and up to eight additional guests travelling on the same reservation.

Can I just show my card at the airport to get free bags?

No. The primary cardholder’s 9-digit WestJet Rewards ID must be on the reservation at the time of check-in.

How do I make sure my Rewards ID is on my reservation?

For flight-only bookings, you can add your WestJet Rewards ID during the self-serve check-in process or through Manage trips. When booking a WestJet Vacations package, enter your 9-digit WestJet Rewards ID in the member number field, found on the Payment screen. Alternatively, you may contact us for assistance.

Can bag fees be re-imbursed retroactively?

Yes. The primary cardholder would need to call in as we would require the credit card number to process.

Companion vouchers 

Your card comes with an annual round-trip companion voucher.

Just purchase one round trip for yourself (the primary cardholder) and enjoy a reduced fare for the second guest on the same itinerary. 3 Your companion voucher can even be applied towards a Premium fare, if the first fare booked was also in our Premium cabin.

• For travel within Canada and to the continental US the companion fare will be $119 CAD (plus taxes, fees, charges and other Air Transportation Charges)
• The rest of the WestJet network will be $399 CAD if voucher type is eligible (plus taxes, fees, charges and other Air Transportation Charges)

Companion voucher – Lounge access pass exchange

If you prefer, we also offer the option to exchange your companion voucher for four (4) lounge access vouchers. 5

Companion vouchers: FAQs

Where can i use my companion voucher to fly to.

Depending on your voucher type:

• An annual round-trip companion voucher is valid for flights within Canada or to/from the continental U.S from $119 (plus taxes, fees, charges and other Air Transportation Charges) or the rest of the WestJet network for $399 CAD (plus taxes, fees, charges and other Air Transportation Charges)
• A limited-offer companion ticket with a $0 base fare is valid for flights within Canada or to/from the continental U.S. (including Hawaii) and Mexico

How long does it take to get my next annual companion voucher into my account after renewal?

30 days after your card renewal date and each year thereafter you will receive a companion voucher in your account.

I don’t see my companion voucher in my account yet?

It will be automatically added to your WestJet Rewards account four to six weeks after your first card purchase, or 30 days after your card renewal date each year thereafter otherwise please call our contact centre.

Can I use my voucher on a Premium fare?

Depending on the voucher type, the annual round-trip companion voucher can be used on Premium fares.

Does the cardholder have to fly?

Yes. This benefit allows you, the primary cardholder, to take anyone on a round trip with you, on the same itinerary, the voucher is not transferable.

Can I use my partner's voucher for myself and my child?

No. This offer allows you, the primary cardholder, to take anyone on a round-trip with you, on the same itinerary, the voucher is not transferable.

Can I transfer my voucher to someone else that can use before it expires?

What is the expiry date of my vouchers can it be extended.

Companion vouchers are valid one year from the date of issuance and cannot be extended. The voucher must be redeemed prior to the expiry date and travel can be later.

Can I use my companion voucher with a promo discount code?

No. Companion vouchers and discount codes are not combinable.

Lounge access pass exchange: FAQs

Can i choose which voucher to convert to rbc lounge access vouchers.

No. The companion voucher with the nearest expiry date will be exchanged.

If I convert my voucher before it expires to RBC lounge vouchers, do they get a new expiry date?

No. The RBC lounge access vouchers will have the same expiry date as the original Annual World Elite companion voucher.

Who can use the RBC lounge access vouchers?

RBC lounge access vouchers may be used by the cardholder and their accompanied guests. Guests/companions may only use the lounge voucher when accompanied by the primary cardholder and taking a same-day WestJet flight from the same airport.

Where can these RBC lounge access vouchers be used?

At available airport lounges in Canada, Europe and the Caribbean, as listed at westjet.com/lounges .

WestJet partner lounges

Get access to WestJet partner lounges for yourself and guests when you achieve Platinum, Gold and Silver tier-status. WestJet RBC ® World Elite Mastercard ‡ cardholders can get closer to achieving their next status with Status Lift, through qualifying spend on their credit card. 4

Mastercard Travel Pass Program

Enjoy Mastercard Travel Pass Program provided by DragonPass 1 and benefit from access to 1,300+ airport lounges worldwide, plus valuable airport dining and spa offers. 6 Download the Mastercard Travel Pass app and register or visit mastercardtravelpass.dragonpass.com.

Lounges: FAQs

Does mastercard travel pass program give me a discount on all lounges.

You will have access to a discount and access to 1,300+ airport lounges worldwide.

How do I access DragonPass lounges?

Download the Mastercard Travel Pass app and register or visit mastercardtravelpass.dragonpass.com .

Can I just show my card?

Can i take someone else in the lounge with me using the discount.

World Elite cardholders can take 1 guest per visit into the airport lounges. Terms and conditions apply.

WestJet Rewards

Status Lift 

The WestJet RBC ® World Elite Mastercard ‡ is taking you higher with Status Lift. As a cardholder your everyday purchases could now bring you closer to achieving status with WestJet, giving you more benefits such as lounge passes, priority boarding, advance seat selection, a higher WestJet dollar earn rate and more. 4

Partner benefits

Enjoy partner benefits

Save more and earn more with benefits from WestJet RBC ® World Elite Mastercard ‡ cardholder partners.

Get a 12-month complimentary DashPass subscription – a value of almost $120 – when you add your eligible card to your DoorDash account. 8

PetroCanada 

Save 3¢/L on fuel and earn 20% more Petro Points when you pay with your linked RBC card 7 .

Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card. 11

Note : This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Please note, this premium card can impose higher acceptance costs on merchants. 

Don’t have a WestJet RBC ® World Elite Mastercard ‡ ? 

Annual fee:

Additional Card:

Purchase rate:

Cash advance rate:

* 21.99% if you reside in Quebec.

Insurance and Protection

Make sure you’re covered for the unexpected with valuable insurance benefits, plus the option for extended coverage.

Emergency Purchases and Flight Delay Insurance

• Coverage begins four (4) hours after the occurrence of your Missed Connection, Delayed Flight, or Denied Boarding, or the arrival of your flight at your destination when your checked luggage is lost or delayed.
• For Flight Delay Insurance, the maximum amount of coverage for reasonable and necessary expenses is $250 per day per covered person to an overall total of $500 per occurrence for all covered persons.
• For Emergency Purchases Insurance, the maximum amount of coverage for reasonable and necessary expenses is $500 per occurrence for each covered person to a maximum of $2,500 per occurrence in aggregate for all covered persons.

Auto Rental Collision/Loss Damage Insurance

• This insurance is effective when the full cost of your rental vehicle issued by a rental agency is paid with your WestJet RBC ®  World Elite Mastercard ‡ card and/or WestJet dollars. If only a partial payment is made using WestJet dollars, the entire balance of that rental vehicle must be paid using your WestJet RBC ®  World Elite Mastercard ‡ card in order to be covered.
• The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days, which shall follow one immediately after the other.

Purchase Security and Extended Warranty Insurance

• Purchase Security Insurance provides coverage for direct accidental physical loss or damage to personal property or gifts purchased with your WestJet RBC ®  World Elite Mastercard ‡ card and/or with WestJet dollars for ninety (90) days from the date of purchase. The maximum amount of coverage is $50,000, or the equivalent number of WestJet dollars, per WestJet RBC ®  World Elite Mastercard ‡ card per year.
• Extended Warranty Insurance automatically doubles the original manufacturer’s warranty for up to a maximum of one (1) year.

Hotel/Motel Burglary Insurance

• The maximum reimbursement under this insurance for the repair or replacement of your personal property that is lost or damaged due to a burglary is $2,500 per occurrence in the aggregate.

Travel Accident Insurance

• The Travel Accident Insurance covers you in the event of an accidental bodily injury resulting in a loss, including death, while travelling on a common carrier, for up to $500,000 CAD.

Out of Country/Province Emergency Medical – 15-day (Less than 65 Years of Age)

• Coverage is provided for the first fifteen (15) consecutive days of your trip if you are under 65 years of age or for the first three (3) consecutive days of your trip if you are 65 years of age or older.

Trip Interruption Insurance

• The maximum amount covered under Trip Interruption Insurance for each covered person is $5,000 per trip to an overall maximum of $25,000.

Other Frequently asked questions

How do I know if my card is linked to my WestJet Rewards account?

Sign into your WestJet Rewards account that is included in your welcome email after card approval.

My Rewards account is not showing the WestJet dollars I’m earning with my account

Please allow four to six weeks  from your purchase for the WestJet dollars to be posted to your WestJet Rewards account. If after this period WestJet dollars don’t appear, please call our contact centre.

I was assigned a new WestJet Rewards ID when I got my card, how do change it to my previous ID?

Please call our contact centre.

Can I link a different WestJet Rewards ID to my existing card?

Yes. Please call our contact centre for assistance with linking your WestJet Rewards ID to your card.

Where can I find my WestJet Rewards ID?

It is included in the welcome email sent after your card is approved.

Legal, restrictions and terms and conditions

® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ Mastercard is a registered trademark of Mastercard International Incorporated. Used under license.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet dollars and program changes.

Only available to residents of Canada.

Please ensure that your email address is up to date on your WestJet Rewards account. It is recommended that you review your communication consent and opt-ins to receive all communications.

ADDITIONAL RBC FEES:  Cash Advance: $5.00 Balance Transfer Promotional Rate Fee: Up to 3% of the transaction amount Dishonoured Payment Fee: $45.00 Overlimit Fee: $29.00 (If you reside in Quebec, fee does not apply.) Additional Copies: $5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec)

1. You will earn up to 1.5% back in WestJet dollars on your everyday purchases and up to 2.0% back when you purchase WestJet flights or WestJet Vacations packages, depending on the card you choose. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank® credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.

2. Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight (8) additional guests travelling on the same reservation; not valid for companions when travelling on a group booking (10+ guests on the same reservation). Eligible member's 9-digit WestJet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJet's code-share or interline partners. Size and weight of baggage must comply with WestJet’s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees.  More details . May only be used as described and has no monetary or other exchange value.

3. Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome round-trip companion voucher (the “World Elite Companion Voucher”) to appear on your WestJet Rewards account, accessible at  westjet.com/account . The World Elite Companion Voucher is offered to new WestJet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use the World Elite Companion Voucher only once for one of these options of A) round-trip flight for travel in Canada and the continental U.S. for $119 CAD; or B) round-trip flight to/from the rest of the WestJet network for $399 CAD. Applicable taxes, fees, charges and other ATC (Air Transportation Charges) on the World Elite Companion Voucher must be paid at time of booking. The welcome (first) World Elite Companion Voucher is not available to existing or former WestJet RBC World Elite Mastercard primary cardholders apply for or transferring to a WestJet RBC World Elite Mastercard. Additional cardholders are also not eligible for the World Elite Companion Voucher offer. 

Valid for new bookings only. Valid for one (1) round-trip for a companion of the primary cardholder flying on a full base fare, travelling on the same itinerary. Valid on all published Basic, Econo, EconoFlex, Premium, and PremiumFlex fares wholly marketed and operated by WestJet, including seat sales. Not valid on Business, BusinessFlex or Member Exclusive fares, nor combinable with a discount code. If one-way travel is booked, the voucher will be deemed fully used and the return portion of travel is forfeited. Booking must be made within one year from date of issue of the companion voucher; travel may occur after the voucher expiry date subject to flight schedule availability at the time of booking. Valid for travel until the end of the available flight schedule with no blackout periods. Voucher may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations to World Elite companion voucher bookings are allowed, except when a Basic fare has been purchased, which is a 100% non-refundable fare with no change options allowed. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of travel funds. Changes must be made prior to the expiry date of the voucher used for the booking for the voucher to be valid. Regular change and cancellation policy applies. This offer may not be combined or used in conjunction with any other offer. Other terms and conditions apply. Terms and conditions of the World Elite Companion Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. Visit  westjet.com/companion-voucher  for complete details.

4. WestJet RBC World Elite Mastercard primary cardholders will have access to a new annual benefit, "Status Lift", to help you get closer to Silver, Gold or Platinum status each year. With Status Lift, you can earn $500 in tier qualifying spend, which applies towards achieving the next WestJet Rewards tier, for every $15,000 CAD in Eligible Purchases on your WestJet RBC World Elite Mastercard (up to a maximum of $1,500 in tier qualifying spend in a qualifying year). WestJet’s qualifying year is January 1 to December 31 of each calendar year. “Eligible Purchases” means net purchase transactions (including transactions on additional cards) that appear on your WestJet RBC World Elite Mastercard monthly statements prepared between January 1 and December 31 of each year, explained in further detail below. It is not based on the actual purchase or transaction date.

For example, Teal members earning the maximum of $1,500 in tier qualifying spend on Eligible Purchases with Status Lift would be halfway to achieving the $3,000 in tier qualifying spend to achieve Silver status. Similarly, members with existing Silver, Gold or Platinum status can use the $1,500 Status Lift towards requalifying for their current tier, or moving up to the next tier, as applicable.

Status Lift will automatically take effect beginning with your first monthly statement following the first purchase transaction on the credit card account.

Eligible Purchases for Status Lift are purchases for goods and services minus returns and other credits; credits for returns and adjustments will reduce or cancel Status Lift earned. Eligible purchases do not include fees, interest charges, or cash advances (including balance transfers, cash-like transactions and certain bill payments).

Tier qualifying spend derived from Status Lift is earned through Eligible Purchases on the WestJet World Elite Mastercard and will be included in the calculation for determining the tier and resulting status of the primary cardholder only, subject to these benefit conditions.

To determine your spend for Status Lift, WestJet will divide the WestJet dollars reported on your WestJet RBC World Elite monthly statement by the standard WestJet dollar earn rate of 1.5%. Any bonus or additional WestJet dollars you may earn will not count towards Status Lift. The date on which your monthly statement is prepared and the WestJet dollars earned as determined by Royal Bank of Canada and reported on your statement will determine the qualifying year that the Eligible Purchases and any resulting Status Lift will be applied to, regardless of when the WestJet dollars are deposited to your WestJet Rewards account. For example, if your monthly statement is prepared on December 27, your Eligible Purchases will count towards Status Lift for the current qualifying year, even if the WestJet dollars are deposited to your account in the following year.

Status Lifts are awarded based on your credit card monthly statement date (that is, the date your statement is prepared), not the purchase or transaction date for individual purchase transactions. For greater clarity, Eligible Purchases made prior to the end of the qualifying year will not be eligible for Status Lift for that qualifying year if they do not appear on a monthly statement prepared prior to December 31. For example, if your credit card statement is prepared on the 27th day of each month and you make a purchase on December 28, the transaction will be included on your January statement and will not be an Eligible Purchase for the current qualifying year.

Status Lift of $500 CAD will be awarded up to three times during the qualifying year when your Eligible Purchases total 1) $15,000, 2) $30,000 and 3) $45,000. Each Status Lift will be awarded approximately 10 business days after the credit card statement date in which the spend threshold is achieved.

To receive Status Lift, your credit card account must be open and in good standing at the time of the benefit award. If you cancel your WestJet RBC World Elite Mastercard credit card before the end of a qualifying year, WestJet reserves the right to remove any Status Lift or tier adjustments you may have received through this benefit.

Status Lift amounts earned through this benefit are not counted towards the awarding of Milestone awards within the WestJet Rewards program.

The Status Lift amount and tier qualifying spend earned on WestJet flight or vacation packages will be combined to calculate total tier qualifying spend which counts towards the achievement of your immediate next tier. Your tier qualifying spend will reset at the start of each qualifying year (January 1st).

The end of the qualifying year is December 31, without regard to the time of the year that the WestJet RBC World Elite Mastercard credit card account is opened. This means that in the cardholder’s first year, the eligibility period for the Status Lift benefit may be less than twelve months.

This benefit has no monetary or other exchange value and cannot be sold or transferred.

WestJet and RBC reserve the right to change or withdraw the benefit at any time.

5. WestJet RBC World Elite Mastercard primary cardholders may exchange each valid Annual World Elite round-trip companion voucher for four (4) one-time use lounge access vouchers (“Lounge Vouchers”) at WestJet partner airport lounges. Applicable to WestJet RBC World Elite Mastercard primary cardholders with a valid Annual World Elite round-trip companion voucher (“World Elite companion voucher”). All requests to exchange a World Elite companion voucher for Lounge Vouchers must be submitted at westjet.com/lounge-exchange , a minimum of 4 days prior to the cardholder’s planned date of travel and prior to the expiry of the World Elite companion voucher. Cardholders will be able to view the Lounge Vouchers and their expiry date(s) within the Vouchers section of their WestJet Rewards account. These vouchers will be identified as: Lounge Access – RBC. Lounge Vouchers will have the same expiry date as the World Elite companion voucher used for the exchange. Lounge Vouchers must be redeemed prior to the expiry date. If you have multiple World Elite companion vouchers, the first to expire will be the first one exchanged. Sign in to see available vouchers at westjet.com. There is no limit on the number of World Elite lounge vouchers that may be exchanged. If a Lounge Voucher expires after a cardholder has exchanged a World Elite companion voucher but before the Lounge Voucher has been redeemed, the Lounge Voucher will not be valid. Once a cardholder has requested an exchange of a World Elite companion voucher for (4) Lounge Vouchers, the request will be considered final and cannot be cancelled or reversed. Lounge Vouchers may only be used has described, has no monetary or other exchange value and is non-transferable. Unused World Elite companion vouchers and lounge vouchers will automatically be cancelled on the date your WestJet RBC World Elite Mastercard account is closed. Royal Bank of Canada and WestJet reserve the right to modify, cancel or withdraw this offer at any time, even after acceptance by you. Other terms and conditions apply. For full details on lounge voucher use visit https://www.westjet.com/en-ca/rewards/rbc-mastercard/lounge-exchange#lounge-RBC

6. Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard cardholder). Access to participating DragonPass Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s DragonPass membership. DragonPass benefits do not apply to all lounges, including (as of May 30, 2022) the Calgary WestJet Elevation lounge. To view a full list of participating DragonPass Airport Lounges, their facilities, opening times and restrictions, cardholders can visit airport.mastercard.com . By using this benefit , you agree to all of DragonPass terms and conditions, including privacy and security policies available at mastercardtravelpass.dragonpass.com. These policies may be amended or updated at any time and without notice. RBC and WestJet reserve the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Pass, DragonPass Airport Lounges and associated services are provided by DragonPass, not Royal Bank of Canada (“RBC”) or WestJet, and RBC or WestJet are not responsible for any claims or damages arising from the use of the Mastercard Travel Pass or the DragonPass Airport Lounges services. Mastercard reserves the right to cancel, modify or withdraw this benefit at any time, even after you have enrolled in Mastercard Travel Pass.

7. To participate in this offer, you must link your WestJet RBC Mastercard (“RBC Card”) to a Petro-Points Account. You must be enrolled in RBC Online Banking or 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. 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. 9 . 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.

8. To receive a complimentary DashPass subscription for $0 delivery fees on orders of $12 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass”. If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards: As a WestJet RBC World Elite Mastercard, cardholder.You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass. For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf (PDF).

9. WestJet dollars can be used towards payment of the base fare of an eligible WestJet flight or WestJet Vacations package, available on westjet.com, through WestJet’s contact centre or eligible Sunwing Vacations package through Sunwing Vacations contact centre. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Minimum redemption rules on flights apply when purchasing Economy, Premium and Business fares; the entire base fare must be paid with WestJet dollars when purchasing a Member Exclusive fare. A minimum redemption amount of 50 WestJet dollars per booking applies for WestJet Vacations package bookings and eligible Sunwing Vacations package bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem .

10. Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the 250 welcome WestJet dollars to appear on your WestJet Rewards account. Your WestJet Rewards account is accessible at westjet.com/account. To be eligible for the additional 200 WestJet dollars (“Additional WestJet dollars”) you must have applied for the WestJet RBC World Elite Mastercard and have been approved by Royal Bank of Canada. The Additional WestJet dollars will be awarded to you if a total of $5,000 or more in qualifying net purchases and pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your WestJet RBC World Elite Mastercard account within the first 3 months of your account open date, provided your account is open and in good standing at the time you reach $5,000 in Qualifying Transactions. Please allow 4-6 weeks after this requirement is fulfilled for the Additional WestJet dollars to be awarded to your WestJet Rewards account. Qualifying Transactions exclude 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, fees, and any credits for returns or adjustments. Welcome WestJet dollars and the Additional WestJet dollars are not available to existing or former WestJet RBC World Elite Mastercard primary cardholders applying for or transferring to a WestJet RBC World Elite Mastercard. Additional cardholders are also not eligible for the welcome WestJet dollars or Additional WestJet Dollars. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. Royal Bank of Canada and WestJet reserve the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

11. To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions https://www.rbcroyalbank.com/credit-cards/documentation/pdf/rexall-terms.pdf

You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases.

Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details, and defined terms visit Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.

13. Available in-flight on aircraft where WestJet Connect is available. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See  wifi.mastercard.com  for full details.

Starting March 9th 2023, cardholders eligible for Boingo Inflight Wi-Fi will be able to connect 12 times per calendar year for 90 minutes each session. There is no limit to the amount of data that can be consumed during these sessions.  There are no changes to the existing use of land-based Boingo Wi-Fi Hotspots. Complete details will be available after March 9th 2023 at  mastercard.boingo.com .  

COVID-19 - How RBC Insurance is helping clients

We remain committed to keeping you informed about actions we’re taking, to support you during this time. Thank you for choosing RBC Insurance.

Last Updated: July 12, 2022

Important Updates

Travel: As the situation with COVID-19 continues to evolve, we appreciate our clients have important questions and concerns about upcoming travel.

Due to recent changes to GOVERNMENT OF CANADA TRAVEL ADVISORIES (opens external website in new window) , we are currently experiencing extremely high call volumes that are resulting in much longer wait times than usual. We have all hands on deck to support you and greatly appreciate your patience and understanding as we work to assist you in your time of need.

RBC Insurance Stores

How rbc insurance stores are supporting clients.

Our Store locations have now re-opened. Please see the RBC Insurance Store Locator opens new window for a location near you.

We are committed to ensuring your insurance needs are met. RBC Insurance Advisors across Canada remain available to meet with you virtually by phone or video. To connect with an Advisor near you, please see the RBC Insurance Advisor Locator opens new window .

Travel Insurance

How rbc insurance is supporting travel insurance clients.

As the situation with COVID-19 continues to evolve, we appreciate our clients have important questions and concerns about upcoming travel. Due to recent changes to Government of Canada Travel Advisories (opens external website in new window) , we are currently experiencing extremely high call volumes that are resulting in much longer wait times than usual. We have all hands on deck to support you and greatly appreciate your patience and understanding as we work to assist you in your time of need.

Update: Global Travel Advisory

Effective February 28, 2022, Global Affairs Canada lifted the Level 3 global travel advisory that was in place as a result of COVID-19 (Omicron variant). See below for how this change may affect your travel insurance coverages.

Effective March 7, 2022 Global Affairs Canada lifted the Level 4 Cruise travel advisory that was in place as a result of COVID-19. We have made some updates to our travel coverages and exclusions.

Emergency Medical Coverage

Travelling outside of Canada: In an effort to provide increased peace of mind to our valued clients, RBC Insurance will cover emergency medical claims if diagnosed with COVID-19 on or after February 17, 2022 provided all the terms and conditions of the insurance coverage are met.

Travelling within Canada: For clients who choose to travel within Canada, we will continue to provide Emergency Medical coverage related to COVID-19 provided all the terms and conditions are met.

Any expenses related to quarantine requirements and/or PCR testing/COVID-19 testing will NOT be covered under this coverage.

Cruise ship travel: For clients who choose to travel on a cruise ship, RBC Insurance will cover emergency medical claims if the client is diagnosed with COVID-19 on or after March 7, 2022 provided all the terms and conditions of the insurance coverage are met.

Trip Cancellation / Trip Interruption Coverage

COVID-19 Pandemic Trip Cancellation/Trip Interruption Update

Given the evolving nature of the COVID-19 Global Pandemic, RBC Insurance is committed to ongoing monitoring of developments and will update coverages as appropriate.

Purchased Plans with Trip Cancellation & Trip Interruption Insurance coverage

RBC Insurance will not pay Trip Cancellation or Trip Interruption insurance claims if a client is required to cancel or interrupt a trip for a reason related to COVID-19, except in the following circumstances (subject to all other terms, conditions, limitations and exclusions):

• The client’s emergency medical condition (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the client from travelling as planned.
• The emergency medical condition of the client’s spouse and/or children (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the client from travelling as planned.

This update is effective for insurance purchased *on or after June 1 st , 2022.

* For the Deluxe Annual Package the effective date is when the client purchases pre-paid travel arrangements on or after June 1 st , 2022.

RBC Credit Cards (Embedded trip cancellation and trip interruption coverage - applicable RBC Credit Cards)

RBC Insurance will not pay Trip Cancellation or Trip Interruption insurance claims if the Cardholder is required to cancel or interrupt a trip for a reason related to COVID-19, except for the following circumstances (subject to all other terms, conditions, limitations and exclusions):

• The Cardholder’s emergency medical condition (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the Cardholder from travelling as planned.
• The emergency medical condition of the Cardholder’s spouse and/or dependent child (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the Cardholder from travelling as planned.

This update is effective for travel arrangements paid in full with a Cardholder’s RBC Credit Card and/or RBC Rewards points on or after June 1 st , 2022.

Additional Travel Advice

Before travelling, please review the country/region specific guidelines and requirements on:

• Proof of vaccination;
• Quarantine; and
• Re-entry requirements

In addition, for non-vaccinated individuals, the Government of Canada has provided a guideline recommending against non-essential travel, however this advice is not considered part of the Level 3 travel advisory.

Emergency Medical Insurance Claims Information

Please contact Allianz Global Assistance immediately at:

• Call toll-free from Canada & U.S.: 1-800-387-2487
• Call collect from anywhere: (905) 816-2561
• Toll-free fax from Canada & U.S.: 1-888-298-6340
• Or email: [email protected]

Other Travel Insurance Claims Information

Do you need to submit an insurance claim for trip cancellation, trip interruption, medical, baggage, hotel or motel burglary, mobile device, purchase security or extended warranty? Find more information about submitting your claim online here .

Travel Insurance under an RBC Group Benefits Plan

If you have group travel insurance under an RBC Insurance Group Benefits Plan, please see the Group Benefits section of this site.

Group Benefits

How rbc insurance supporting group benefits clients.

We at RBC Insurance are working as quickly as possible to assess the impacts of COVID-19 and to keep you informed of key decisions that impact you and your group benefits plan. We are here to support you and your family. While things continue to move fast and change quickly, below is some important information.

COVID-19 Update: Short-Term Disability Claims

Short-term disability benefits provide income replacement, for short durations, in the event a person is unable to work due to injury or illness.

If you’ve tested positive and are diagnosed with COVID-19 and cannot work (even from home), whether or not you are displaying symptoms, benefits will be paid once the elimination period is satisfied. Standard claim forms must be submitted, including the Attending Physician Statement.

If you’ve tested negative for COVID-19, but have symptoms that prevent you from working (even from home), a standard STD application claim should be submitted. Standard contractual provisions would apply, including the elimination period.

If you are not at work because you’ve been advised to quarantine by a government or health care authority, and are not too ill to work otherwise , you will not be eligible for STD. For example, mass quarantines issued by a health authority or cautionary quarantines issued by an employer would not qualify for coverage. This means that if you have no disabling symptoms and cannot work from home, benefits will not be paid. A claim through the one of Government of Canada Employment Insurance program or any of the new COVID-19 response benefit programs should be submitted. These new programs include the Canada Recovery Benefit, the Canada Recovery Sickness Benefit, and the Canada Recovery Caregiver Benefit and all provide income replacement to those who have been impacted due to COVID-19.

TIP: The Canada Recovery Sickness Benefit (CRSB) provides up to two weeks of financial support for employees who are unable to work because they are sick or need to self-isolate due to COVID-19, or who have an underlying health condition that puts them at risk of getting COVID-19. Employees are encouraged to apply for this benefit when not in receipt of STD benefits, for example, during their STD elimination period. They cannot receive any other benefits while receiving the CRSB, including any STD benefits.

For more information on this benefit go to the Canada's Economic Response Plan opens new window website.

COVID-19 Update: Travel Insurance under RBC Insurance Group Benefits Plans

Our Group Benefits medical emergency coverage has changed effective January 1, 2021. COVID-19 will be covered for travel departing on or after January 1, 2021 while there is a Level 3 (Avoid Non-Essential travel) advisory or lower issued by the Government of Canada. For those insurance policies with Trip Cancellation Trip Interruption coverage, COVID-19 Pandemic will continue to be considered a known occurrence and as such is excluded from coverage.

As COVID-19 cases continue to rise and risk is heightened, we strongly recommend that you visit the Government of Canada’s Global Travel Advisory website before booking your trip and only travel when necessary.

I am planning a trip. Am I covered for medical emergency during the COVID-19 Pandemic?

If you depart on or after January 1, 2021 while there was a Level 3 (Avoid Non-Essential travel) or lower advisory in place, you will be covered for COVID-19 related claims under your group emergency medical insurance. If you have Trip Cancellation Trip Interruption coverage, COVID-19 continues to be a known occurrence and will not be covered should you need to cancel or cut your trip short due to COVID-19.

If you travel to a location that is under a Level 4 (Avoid all travel) advisory, medical emergency will not be covered. If you are already in a country when the Level 4 advisory is issued, you will be given 10 days to return home. Your medical emergency will remain covered during the 10-day period.

Visit the Government of Canada Global Travel Advisory website for updates on travel advisories.

If you departed prior to January 1, 2021, you would only be covered under medical emergency for COVID-19 related claims if you were traveling for work that is deemed essential. Any leisure or non-essential travel would not be covered for COVID-19 related claims. Any medical emergency claims not related to COVID-19 continue to be covered.

If you are traveling to Mexico or the Caribbean, effective immediately and until further notice, our Group Benefits medical emergency top-up coverage is temporarily unavailable.

Visit the Government of Canada website for Guidance on Essential Services and Functions in Canada During the COVID-19 Pandemic.

I am now in a country where a Level 4 advisory was just issued. Am I covered for medical emergency?

I have to cancel my trip, or cut my trip short due to COVID-19, will my Group Benefit coverage cover my loss?

COVID-19 pandemic is considered a known occurrence under the Trip Cancellation Trip Interruption coverage and is excluded from coverage. If you have to cancel or interrupt your trip due to COVID-19, your Trip Cancellation Trip Interruption coverage will not cover the claim.

What is the difference between a Level 3 and Level 4 Advisory?

The Government of Canada issues 4 travel health notices for travel destinations as follows:

• Level 1 - Practice usual precautions
• Level 2 - Practice special precautions
• Level 3 - Avoid all non-essential travel
• Level 4 - Avoid all travel

Visit the Government of Canada Risk levels and Travel Advisories website for more information.

Need support? Work-Life Employee Assistance program (EAP)

Don’t forget about your Work-Life Employee Assistance program (EAP). Immediate and confidential EAP services, including counselling, educational materials, referrals to community services and more are accessible 24/7 by calling 1-877-630-6701 . There are also COVID-19-related additional resources:

• The www.lifebalance.net opens new window website features information on the coronavirus and coping with trauma.
• Members of the Work-Life Employee Assistance Program Traumatic Event Support Team are available to support individuals and organizations impacted by these events.

Looking for additional support for mental health?

During any crisis, it’s common to experience additional stress and anxiety. To help with the increasing demand for easily accessible, digital and affordable mental health solutions, we’ve introduced CarePlus. This gives you access to therapist-assisted cognitive behavioural therapy and extended digitally-driven counselling.   

Additional Resources

This is a rapidly evolving situation and the risk assessment is likely to change frequently. You can follow updates at Public Health Agency of Canada opens new window and the World Health Organization opens new window .

Car Insurance

How rbc insurance is supporting car insurance clients.

At RBC Insurance, we understand that we are in unprecedented times and many clients are facing financial hardship. That is why we work with each client to offer personalized advice and solutions to help them save on premiums while ensuring they have adequate coverage.

• Driving less? We may be able to update your usage if you still need your vehicle, but are no longer commuting to work and/or school.
• Not driving at all? If you no longer drive one or more of your vehicles, we may be able to offer the #StayHome endorsement.
• Have multiple vehicles? If you are no longer using one of them, it may be possible to reduce the coverage on that vehicle currently not in use.

What if I previously called-in and received an auto premium rate reduction?

Clients who received the 90-day auto premium rate reduction have received a letter advising them that their temporary rate reduction has ended, and to contact RBC Insurance if their vehicle usage continues to be impacted as a result of COVID-19. Clients who received the 90-day auto premium rate reduction will receive a letter advising them that their temporary rate reduction has ended, and to contact RBC Insurance if their vehicle usage continues to be impacted as a result of COVID-19.

Please call us at 1-888-556-2685 to review your coverage options or if your driving usage changes.

Will there be an annual increase at renewal?

No. At this time, your premium will remain the same at renewal (for the same automobile, for the next 12-month policy term) provided you have had no significant changes to your driving habits or record. Clients who have made a significant claim or experienced traffic violation activity may not be eligible for this benefit. For specific questions, please call us at 1-877-749-7224 .

Purchase Security and Warranty

You can submit a claim for Purchase Security and Warranty Insurance under your RBC Credit Card coverage using this online form for Credit Card and Travel Insurance Claims .

Frequently Asked Questions

We are committed to ensuring that your insurance needs are met. While our stores are closed, our advisors and insurance solutions remain available to you across a variety of channels. If you need to talk to someone about your insurance coverage, have an insurance review or simply better understand what your options are, you can find an Insurance Advisor here opens new window or call the number on our website. If your need is not urgent, please email us .

If you are receiving your payment by direct deposit into your account, there will be no impact to your payment. If you are receiving your payment by cheque, we will be reaching out to you to switch to direct deposit. You can reach us at 1 888 Royal 94 ( 1-888-769-2594 ). To initiate the direct deposit process or by email at [email protected] .

Yes, for Individual Life insurance policies, coverage includes death as a result of COVID-19.

Yes, COVID-19 is an insurable illness that you would have coverage for under the Royal RecoverAssist – Enhanced Coverage. Your coverage begins on the fourth day of your hospital stay. (Please see your policy for details.)

Yes, if you become ill due to COVID-19, test positive and as a result cannot work, you have coverage through your Disability Insurance policy. Benefits will be paid after the end of any applicable Elimination Period. (Elimination Period is the period of time between when you first become sick and when you start receiving benefits. Please see your policy for details.)

Supporting communities affected by COVID-19

RBC has committed an initial $2-million in support of COVID-19 community response efforts. As a first step, RBC will be donating funds to respond to community needs in Canada, the U.S. and globally to charitable partners including Food Banks Canada opens new window ; Feeding America opens new window and The World Health Organization’s Covid-19 Solidarity Response Fund opens new window .

View Legal Disclaimers Hide Legal Disclaimers

Use of the Government of Canada COVID Alert app is not mandated by Royal Bank of Canada (“RBC”) and is completely voluntary.  RBC has no affiliation with the app and assumes no liability for its use by any person. RBC will not know if an app user has downloaded or used it, nor are we able to collect, view, or retain any personal information of an app user, including their health information.

10 Credit Cards With Travel Insurance

T ravel these days is challenging, but credit cards with travel insurance can offset a host of headaches. The best rewards credit cards will reimburse customers that have lost or delayed baggage, missed connections or canceled trips. Some cards even pay survivors in case of death or dismemberment.  

A recent study by WalletHub evaluated 66 of the best credit cards with travel insurance across three broad categories: luggage insurance, travel accident insurance, and eligibility, cost and extra coverage.  

Many cards that used to offer travel insurance have reduced or eliminated coverage. In fact, WalletHub found that only 24% of the consumer credit cards they studied offered trip cancellation insurance. And cards issued by Wells Fargo, Citi, Discover and Synchrony provide no travel insurance coverage.

Best credit cards with travel insurance

Chase Bank has been positioning its Sapphire-branded travel cards as leaders in the competitive arena of low-fee and premium travel credit cards . So it's no surprise that the Chase Sapphire Reserve® and the Chase Sapphire Preferred® credit cards both score highest in the study. Here are areas where the cards beat the competition, with the maximum coverage amount by category.

Chase Sapphire Reserve : 

Best for travel accident insurance ($1 million in coverage).

Chase Sapphire Preferred : 

Best for luggage insurance, ($3,000 in coverage).

Best for Trip Cancellation: ($20,000 in coverage per trip).

Best for Eligibility, Cost and Extra Coverage Combined, including:

Trip Delay ($500 in coverage per ticket).

Travel Accident ($500,000 in coverage).

Delayed Luggage ($500 in coverage per trip).

Trip Cancellation ($20,000 in coverage per trip).

The 10 best cards with travel insurance

Here are the top cards, with three tying for fourth place.

Source: Adapted from WalletHub Best Credit Cards With Travel Insurance , June 23, 2023. 

Do you need travel insurance?

Thanks to new federal regulations, U.S. consumers have more protections when flying. These rules require airlines to refund customers for U.S. flights canceled for certain reasons beyond a passenger’s control. Airline customers also have more rights when their flights are delayed. The rules are complicated, so be sure you refer to the Department of Transportation’s refund guidelines . 

In more good news for travelers, the new regulations spurred industry improvements ; nine airlines changed their policies to guarantee coverage of hotels and ten airlines to guarantee meals for stranded passengers.  

Still, for expensive trips, you will want to assess your credit card's travel insurance benefits. If you find them wanting, you can purchase trip insurance, which typically runs about 5% to 6% of the cost of your trip. The average cost for U.S. travelers from April 2022 to April 2023 was $284, according to the Los Angeles Times . 

Related Content

• Best Travel Rewards Credit Cards
• Credit Cards That Cover Rental Car Insurance
• What You Need to Know About Travel Medical Insurance
• Safest Countries to Visit

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Free travel insurance and purchase protection.

Enjoy a worry-free travel with your RCBC Credit Card.

• Free Travel Insurance And Purchase Protection
• Travel Plus

*Eligible RCBC Credit Cards: Platinum Mastercard (Black, Diamond, YGC Rewards Plus Platinum), Hexagon Club, JCB Platinum, and UnionPay Diamond

**Spouses and parents up to 64 years old and children and siblings (unmarried and unemployed) up to 21 years old are eligible.

Terms & Conditions apply.

• When shall the cover commence and end? The cover will start from the date of purchase until 23:59 hours on the 90th day thereafter, except for items purchased under a merchandising program in which case shall commence from the date of delivery in undamaged condition to the Cardholder and until 23:59 hours on the 90th day thereafter.
• What is my maximum allowable benefit? Malayan Insurance shall only pay the purchase price of the item or the portion of such purchase price charged to the Card, up to Php 50,000 or the card’s credit limit, whichever is lower.
• Is the item still covered when I leave the country where I purchased it? YES, this is still covered. There is no geographical limit on the coverage of the item, as long as it is still within the period of ninety (90) days from date of purchase.
• Is Jewelry and Gems covered under this program? YES, but only as personal effects of the Cardholder against ROBBERY and BURGLARY, subject to a deductible (# 6). Coverage shall be from the date of purchase until the Cardholder/Insured arrives home or upon expiration of 30 days whichever comes first.
• Is there a deductible or participation fee when I file for a claim? Yes. There is a deductible of 10% of loss, or Php 5,000.00, whichever is higher, for each and every loss. Jewelry and Gems is subject to a deductible of 20% of the cost, or Php 5,000.00, whichever is higher.
• Property that is insured under an insurance policy, unless its coverage does not extend to cover such loss;
• Property that is covered under a guarantee or warranty unless the loss is not otherwise covered;
• Consumable and Perishables;
• Motor vehicles, or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model airplane and boats;
• Business Property purchased to be used for business purpose;
• Cash bank and currency notes, checks, travelers checks, money orders, postal orders, postage stamps, securities, negotiable instruments of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones;
• Livestock, pets, animal, plants or other living creatures;
• Art, antiques, firearms and collectible items;
• Jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones) unless these are to be used as Cardholder’s personal effects and not part of the Cardholder’s trade or business
• Mechanical, electrical or electronic breakdown, failure or derangement;
• Theft from any unattended vehicle unless all windows are securely closed and all doors, boot and openings are securely locked and there is a visible sign of break-in or forcible opening or entry.
• Marring or scratching, denting or chaffing, deterioration, depreciation, alteration, maintenance, any process of cleaning or dying, repairing or renovation, bleaching, dyeing, restoring or servicing.
• Leakage, loss of weight, shrinkage, evaporation, bulging, buckling, contamination, insect or vermin, inherent vice, wear and tear, rust, corrosion, mildew, atmospheric, or climactic conditions (including wind, rain, hail, sleet, snow and frost) or any other gradually operating causes;
• Delay, seizure, confiscation, destruction, requisition, retention or detention by customs or other government of public authority or official.
• The intentional, deliberate or fraudulent acts of the Cardholder or his representatives, or anyone residing in the same household or to whom the item has been entrusted.
• Mysterious disappearance or unexplained losses.
• Transit by air, vessels or ships, trains or vehicles, or any other modes of Public Transportation unless the Item is hand-carried by the Cardholder during the course of the transit.
• Product defects, faulty or defective design, material or workmanship, latent defect.
• Ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosives or hazardous properties of any nuclear assembly or nuclear component thereof.
• Acts of God including but not limited to earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and tornado, flood including overflow of the sea, sandstorm.
• Shipping and handling expenses or installation, assembly related costs.
• Items purchased for resale, professional or commercial use.
• Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust.
• Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure.
• Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment).
• Items that cardholder damaged through alteration (including cutting, sawing, and shaping).
• Items left unattended in a place to which general public as access.
• Losses due to or related to nuclear, biological or chemical event.
• Loss which arises directly or indirectly by reason of or in connection with war, invasion, or act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawfully constructed authority.
• The insured’s person’s failure to exercise the necessary level of care and attention needed to avoid or diminish such loss or damage to the Insured Item.
• Diminution in value or loss of use of the Insured Item or consequential loss of any and every kind.
• How can I claim? A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.
• Proof that the damaged or stolen item/s has been charged to the cardholder’s credit card
• Original copy of Sales Invoice or Original Receipt for the damaged or stolen items
• Affidavit of the cardholder on how the loss or damage of the purchased item/s was incurred
• Police report for Theft or Stolen Item claims
• Replacement cost or repair estimates for damaged item claims

RCBC Credit Card spend on international airfare, cruise tickets, or tour packages through a travel agency originating from the Philippines are eligible for free Travel Insurance and Purchase Protection. 

Medical report Register for your free Travel Insurance when your credit card transaction is posted until/at least seven (7) working days before your trip at https://cloud.marketing.rcbcbankard.com/travelinsurance .

No. Travel Insurance registrations through the website will prompt you to enter your posted transaction date and the amount reflected in the Statement of Account or the RCBC Pulz app. Make sure to have this information ready for seamless registration.

No. In order to receive your Travel Insurance electronic Certificate of Cover (e-COC) before your flight, online registration is required at least 7 working days prior  to your scheduled flight. We strongly recommend that you register early at: https://cloud.marketing.rcbcbankard.com/travelinsurance . 

 Your international trip is covered for up to 15 calendar days. You can request added coverage from our insurance provider and pay with your RCBC Credit Card!

● Extension of cover

● Top up/upgrade to COVID cover - for Plan B ONLY. NOT APPLICABLE TO PLAN A .

● Other companion (exceeding 2).

To request for added coverage, please get in touch with MALAYAN INSURANCE:

        Email: [email protected] , [email protected]

        Telephone (632) 8628-8341/8342 , (632) 8628-8712 / Mobile (+632)920 9455119

The Insurance Provider will cover flights from the PHILIPPINES to international destinations, including those with layovers and extended/multiple stopovers in other countries. Qualified origin is from anywhere in the Philippines; the destination is another country only, not vice versa. 

Yes. Supplementary cardholders who use their RCBC Credit Card to purchase international airfare, cruise tickets, or tour packages from travel agencies are also entitled to free Travel Insurance without Purchase Protection . 

If you need travel insurance and your flight is less than 7 days away, please contact the RCBC Credit Customer Hotline at (02)8888-1888 for assistance. Please note that requests made during the travel period will not be accepted.

If you register at least 7 working days before your flight and have yet to receive your eCOC, please call the RCBC Credit Customer Hotline (02)8888-1888 or send an email to [email protected] so we can check the status of the request and provide feedback. 

General Requirements

• RCBC Credit Card used to purchase the international travel ticket
• Statement of Account showing purchase of International Airline Ticket
• International Airline Ticket/Boarding Pass
• Passport duly stamped by Bureau of Immigration (Departure and Arrival)

Personal Accident

• Medical report
• In case of death, original copy of the Death certificate and coroner’s report
• Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Medical Treatment

• Out-patient

a. Original Official Receipts

b. Medical report

c. Laboratory results (if any was done)

2. In-patient

a. Statement of Account (with breakdown)

b. Official Receipts

c. Medical Report

d. Laboratory results (if any was done)

e. Operative record and hispathology results (if surgery was done)

f. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Trip Cancellation

• Medical Certificate of assured or family member
• Duplicate copy of death certificate of the immediate family member (if family member died)
• Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
• Certificate of cancellation of flight from airline
• Original receipts of pre-booked and non-refundable lodging and transportation

Emergency Trip Termination

• New ticket purchased
• Boarding passes or stamp on passport

Loss of Travel Documents

•  Notarized incident report or police report
• Document issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or travel tickets
• Official receipts of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Flight Delay

• Irregularity report issued by the airline indicating the reason of the delay
• Receipts of expenses (food, lodging, transportation)

Strikes and Aircraft Hijacking

Loss of Baggage

• Baggage irregularity report issued by the airline if the loss occurred while the baggage was under their custody
• Police report if stolen
• Original official receipt/s of the lost baggage/s
• List of lost items with brand, model, type and corresponding amount

Baggage Delay

• Baggage irregularity report issued by the airline
• Delivery report from the airline stating the exact date and time that the baggage was retrieved
• Original official receipts of expenses incurred (on toiletries and clothing)
• Certificate issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or lost travel tickets
• If loss occurred in such circumstances, an irregularity report from the airline or a police report
• Official reports of the travel and communication expenses incurred in getting a replacement passport or travel tickets

• Credit Cards
• Best Cash Back Credit Cards With No Annual Fee

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Best Cash Back Credit Cards With No Annual Fee In Canada For April 2024

Updated: Apr 10, 2024, 9:28am

Cash-back credit cards make tapping your plastic even more tempting, since they turn some of your everyday purchases into cash rewards. They do so by allowing cardholders to earn back a percentage of their eligible credit card spending, either as a deposit into their bank account or as a statement credit.

That all sounds well and good, but some of the best cash-back credit cards have a major catch: They come with an annual fee that ends up eating into your rewards. And while some of these earn enough cash back that they cancel out said fee, spending enough to cover (or even surpass) the fee can be a big commitment—especially if you’re not sure how much you’ll spend each year on the card in question.

If thinking about such a prospect gives you anxiety, there are cash-back cards that have no annual fee —meaning their rewards don’t come with a yearly cost, so it’s pure reward. These cards can be a way to earn cash back without any kind of barrier hindering your earning potential. Here are the best cash back credit cards with no annual fee in Canada.

Featured Partners

Best Cash Back Credit Cards With No Annual Fee in Canada for April 2024

Rogers red world elite® mastercard®, simplycash card from american express, cibc costco mastercard, triangle world elite mastercard, neo standard mastercard, tangerine money-back credit card, tangerine world mastercard, rbc cash back mastercard, simplii financial cash back visa, bmo cashback mastercard, here’s a summary of best cash back credit cards with no annual fee in canada for april 2024, methodology, what is cash back on a credit card, how to choose a no annual fee cash back credit card, how to apply for a cash back credit card with no annual fee, frequently asked questions (faqs).

• Best Credit Cards
• Best Travel Credit Cards
• Best Airport Lounge Access Credit Cards
• Best Cash Back Credit Cards
• Best Credit Cards for Bad Credit
• Best Aeroplan Credit Cards
• Best No Foreign Transaction Fee Credit Cards
• Best Balance Transfer Credit cards

TD® Aeroplan® Visa Infinite Privilege* Card

On TD’s Website

Welcome Bonus

Up to 85,000 Aeroplan points†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

American Express Cobalt® Card

On American Express’s Secure Website

Up to 15,000 Membership Rewards points

$155.88 ($12.99 per month)

Regular APR

MBNA True Line Mastercard

On MBNA’s Website

0% interest for 12 months on balance transfers within 90 days of account opening, with a 3% transfer fee

12.99%-19.99%

Best For U.S. Dollar Purchases

Regular APR (Purchases)

Not only do you get flat-rate cash back on all purchases, a great 3% cash back rate on all purchases made in U.S. dollars, airport lounge access and five types of insurance, you get all that for no annual fee.

• No annual fee
• Earn 2% cash back on all purchases if you have one qualifying service with Rogers, Fido or Shaw
• Earn 1.5% cash back if you do not have a qualifying service with Rogers, Fido or Shaw
• Earn 3% cash back on U.S. dollar purchases
• Complimentary membership to Mastercard Travel Pass provided by Dragon Pass
• Includes some travel insurance coverage
• High income requirements to qualify
• The highest cash-back rate is for U.S. purchases only
• Airport lounge visits cost $32 USD per person, per visit, on top of the complimentary lounge access membership
• 2% unlimited cash back (exclusively for eligible Rogers, Fido or Shaw customers); otherwise, earn 1.5% unlimited cash back on non-U.S. dollar purchases
• 3% unlimited cash back on U.S. dollar purchases
• 5 Roam Like Home days at no cost with an eligible Rogers mobile plan (up to $75 value)
• 50% more cash back every time you redeem for Rogers, Fido or Shaw purchases
• Annual income requirements of $80,000 personal and $150,000 household
• Complimentary membership to Mastercard Travel Pass provided by DragonPass with access to over 1,300 airport lounges worldwide at a cost of $32 USD per person, per visit
• Included insurance benefits: Extended Warranty and Purchase Protection, Rental Car Collision/Damage, Out-of-Province/Out-of-Country Emergency Medical, Trip Interruption and Trip Cancellation

best for groceries and gas

Up to $100 in statement credits

This card offers a 2% rate on the two areas hardest hit by inflation in Canada: groceries and gas. The icing on the cake is that it comes with no annual fee, a slightly above average 1.25% base rate and even has some other perks like a little travel insurance.

Learn more: Read our SimplyCash Card from American Express Review

• 2% cash back on groceries and gas
• Includes consumer insurance and some travel insurance
• American Express is not accepted at some retailers
• In your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months
• Earn accelerated earn rates on eligible gas and grocery purchases
• Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually)
• Earn 1.25% cash back on all other eligible purchases
• Access events and special offers curated for Cardmembers with American Express® Experiences
• Insurance coverage and 24/7 Customer Service
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

best for restaurants and costco

$0 (requires a Costco membership)

If you’re a Costco member, this card racks up cash back as your stock up on winter essentials. With no annual fee (aside from your Costco membership, of course) there’s no commitment and you can reap oversized rewards at this major retailer.

Learn more: Read our CIBC Costco Mastercard Review

• Earns 3% cash back on restaurants and at Costco Gas
• Includes mobile device insurance, purchase security and an extended warranty
• No welcome bonus
• Only offers 1% cash back at Costco (the Tangerine Money-Back Credit Card earns 2%, for instance)
• Earns 3% cash back at restaurants and at Costco Gas
• Earns 2% at other gas stations and on Costco.ca
• Earns 1% cash back on all other purchases (including at Costco brick and mortar stores)
• Your rewards could add up to $367.62 a year in rewards value (or $422.58 with Costco purchases), according to Forbes Advisors calculations based on average spending among Canadians
• Comes with valuable mobile device insurance
• Includes purchase security and extended warranty insurance

Best For Roadside Assistance

This card has no annual fee, yet it earns Canadian Tire Money on your spending and offers a Gold Roadside Assistance plan with up to 250 km towing distance in Canada or the U.S, as well as emergency fuel delivery, battery boosts, accident assistance, flat tire changing and lock-out service.

• High cash back rewards at Canadian Tire
• Built-in car rental insurance
• Complimentary roadside assistance
• Only grants cash-back rewards from specific store chains
• Only gives digital Canadian Tire Money as cash-back rewards
• Gives 4% back in Canadian Tire Money on qualifying pre-tax purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores
• Gives 3% Canadian Tire money on groceries up to $12,000 per year (does not include Walmart or Costco)
• Gives 0.5% per litre in Canadian Tire money at gas stations and on all other purchases
• Forbes Advisor estimates $327.64 in annual rewards value based on average Canadian spending
• Car rental collision/loss damage waiver insurance
• Extended warranty protection and return protection
• Roadside assistance with up to 250 km towing distance in Canada or the U.S.
• Requires a minimum annual income of $80,000, or $150,000 in household income

best for retail shopping

Welcome bonus

Up to 15% cash back on the first purchase at a Neo retailer

This card’s earn rate and flexibility are impressive, as are its lack of any annual fee and its welcome bonus offer.

Learn more:  Read our Neo Standard Mastercard Review

• Average of 5% unlimited cash back at Neo partners
• The welcome bonus and cash back only applies to Neo partners
• Does not include travel insurance or other perks
• Welcome bonus of up to 15% cash back on your first purchase at a Neo retail partner. The exact amount depends on what the partner is willing to offer
• Average of 5% instant and unlimited cash back at over 10,000 Neo partners
• Forbes Advisor estimates $577.22 in annual cash back based on average Canadian spending

best for customizable cash back

10% cash back ($100 value)

This card is unique in that it allows you to customize where you earn the most cash back. Users can choose two of 10 spending categories that will earn 2% cash back (without limits) and get 0.5% on everything else. If you opt to deposit your cash-back rewards into a Tangerine Savings Account, you get to add a third category that earns 2% cash back as well.

That said, it is a bit sparing when it comes to other perks, but if you meet the income requirements for its high-end counterparts, the Tangerine Money-Back World Mastercard, you can get a few more frills, like travel perks, rental car collision loss/damage insurance and mobile device insurance.

Learn more:  Read our Tangerine Money-Back Card Review

• Welcome bonus of 10% cash back on up to $1,000 in purchases in your first two months ($100 value) when you apply by April 30, 2024
• Earns 2% back in two spending categories of your choosing
• Get 2% cash back in a third category when you deposit your savings into a Tangerine Savings Account
• Cash back is unlimited and paid monthly
• Includes extended warranty and purchase protection
• No additional perks, aside from extended warranty and purchase protection
• Welcome bonus of 10% cash back on up to $1,000 in purchases in your first two months ($100 value) when you apply by January 31, 2024
• 2% cash back in two spending categories of your choice, including grocery, furniture, restaurants, hotel or motel stays, gas, recurring bill payments, drug store, home improvement, entertainment, public transportation and parking
• Earn 2% cash back in a third category of your choice when you opt to deposit cash-back rewards into a Tangerine Savings Account
• 0.5% cash back on all other spending with no limit
• Forbes Advisor estimates based on average Canadian spending that you can earn $302.69 in cash back per year by using this card
• Balance transfers made in your first 30 days get a 1.95% interest rate on the transferred balance for six months

best for travel perks

The Tangerine World Mastercard is similar to the Tangerine Money-Back Credit Card in that cardholders can choose two of 10 spending categories that will earn 2% cash back (without limits) and get 0.5% on everything else. They can also add a third category if they deposit cash back into a Tangerine Savings Account. The only real difference is that the World Mastercard gets you a few more frills, like travel perks, rental car collision loss/damage insurance and mobile device insurance.

• A customizable rewards program
• No annual spending cap for any categories
• Minimum income requirements
• Mediocre rewards for most purchases
• The welcome bonus offers an extra 10% cash back on up to $1,000 in purchases made within the first two months of owning the card when you apply by April 30, 2024.
• Earn 2% cash back in two spending categories of your choice, including groceries, furniture, restaurants, hotels, gas, recurring bill payments, drug stores, home improvement, entertainment, public transportation and parking
• If you deposit your rewards into a Tangerine Bank savings account, you get a third 2% cash-back spending category
• All other spending categories earn 0.5% cash back
• The card carries an estimated annual net earnings of $302.69 per year based on average Canadian spending
• The card requires an annual minimum income of $60,000 personal, $100,000 in household income or $250,000 or more in Tangerine Bank Savings Accounts or Investment Fund Accounts
• A balance transfer rate of 1.95% for six months
• Credit card balance protection
• Rental car insurance
• Cell phone insurance
• Airport lounge access provided by DragonPass
• Checked baggage insurance

best for groceries

This low-maintenance cash back card earns 2% on groceries and 1% on everything else, with no annual fee.

• Unlimited 1% cash back
• Cash-back rewards only apply to every $100 purchase
• $6,000 cap on 2% earn rate
• 2% cash back for every $100 grocery store purchase (up to $6,000)
• 5% cash back for every $100 on qualifying purchases, up to $6,000 (1% cash back applies after)
• Forbes Advisor estimates a rewards value of $338.51 in annual earnings, based on average Canadian spending, with the annual fee factored in

best for restaurants, bars and coffee shops

Up to 20% cash back† ($100 value)

Interest Rate (Purchases) / Interest Rate (Cash Advances)

20.99% / 22.99%‡

This card gives you great cash back at bars and restaurants with no annual fee.

Learn more:  Read our  Simplii Financial Cash Back Visa Review

• 4% cash back at bars and restaurants
• $15,000 in minimum household annual income
• A low selection of insurance options
• Low base rate cash back
• Get 20% cashback in your first 3 months on eligible gas, groceries, drugstore purchases and pre-authorized payments (up to $500 spend)†
• Get a 20.99% interest rate on purchases‡
• Get a 22.99% interest rate on cash advances ‡
• Earn 4% cash back at bars, coffee shops and restaurants up to $5,000 annually, after that 0.5% unlimited†
• Earn 1.5% on eligible gas, groceries, and drugstore purchases, as well as pre-authorized payments up to $15,000 per year, after that 0.5% unlimited†
• Earn 0.5% on all other purchases†
• Purchase security and extended protection insurance are included†
• †Terms and conditions apply. Click ‘Apply Now’ for complete details. This offer is not available for residents of Quebec.”
• ‡ “Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.

best for balance transfers

5% cash back

A basic no-fee cash back card that offers high returns on groceries and has a competitive welcome bonus and balance transfer offer. It even offers discounts on Cirque du Soleil shows.

• Balance transfer offer of 0.99% for 9 months with a 2% transfer fee
• Flexible redemption options
• No minimum income requirement
• Low spending caps
• 0.5% base earn rate
• Welcome offers of 5% cash back on $2,500 in total purchases for three months and 0.99% interest on balance transfers with a 2% fee for nine months
• 3% cash back at eligible grocery stores (up to $500 monthly)
• 1% cash back on recurring bills (up to $500 monthly)
• 0.5% cash back on every other purchase
• Forbes Advisor estimates a rewards value of $289.24 in annual earnings based on average Canadian spending, with the annual fee factored in
• 15% off Cirque du Soleil shows in Canada and 20% off shows in Las Vegas
• Up to 25% off rentals at National Car Rental and Alamo Rent a Car participating locations

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With no-annual-fee cash back, the scoring model used takes into account factors such as, but not limited to, cash-back rates and categories, fees, welcome bonuses, and other rewards and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

It offers 3% for purchases made in American dollars.

Rewards: Earn unlimited 2% cash back (exclusively for eligible Rogers, Fido or Shaw customers) on non-U.S. dollar purchases, otherwise earn 1.5% unlimited cash back. Earn unlimited 3% cash back on U.S. dollar purchases.

Welcome Offer: N/A

Annual Fee: $0

Other Benefits and Drawbacks: With this card, you get access to over 1,300 airport lounges worldwide, extended warranty and purchase protection on select items, rental car collision/damage insurance, out-of-province/country emergency medical care and trip Interruption and cancellation insurance. A drawback: To qualify, your annual personal income must be over $80,000, or your household income over $150,000.

This American Express card is the only Canadian card offering 1.25% cash back on everything—and 2% on groceries and gas, up to a limit of $300 per year.

Rewards: Get 2% cash back on gas and groceries up to $300 cash back annually, and 1.25% cash back for everything else with no limit.

Welcome Offer: In your first 10 months with the card, you can earn a $10 statement credit for each monthly billing period when you spend $300 on your card, which could add up to a total of $100.

Other Benefits and Drawbacks: The card’s benefits include $100,000 travel accident insurance, automatic extended warranty on select purchases made with the card, 24/7 customer service, a fraud protection guarantee and emergency card replacement. One drawback is that American Express still isn’t as widely accepted as Visa and Mastercard .

Related: SimplyCash Card from American Express Review

This card earns you 3% cash back at restaurants and Costco gas stations, 2% at other gas stations and when you shop at Costco.ca and 1% everywhere else.

Rewards: Earn 3% cash back when you dine out at selected restaurants and fill-up at Costco gas stations on the first $5,000 net annual card purchases. You’ll earn 2% at other gas stations and Costco.ca until you hit $8,000 in purchases when it will revert back to the base rate of 1% on all other purchases.

Welcome Offer: None.

Annual Fee:  $0

Other Benefits and Drawbacks: This card offers up to $1,000 in repair or replacement coverage for your phone for up to two years, as well as purchase security and extended warranty insurance for some new items purchased with your card.

Related: CIBC Costco Mastercard Review

This card gives you 4% back in Canadian Tire (CT) Money on select items at a range of retailers beyond CT, five to seven cents  per  litre in CT Money on fuel, and 3% back in CT Money when you buy groceries.

Rewards: Earn 4% cash back in CT Money on select items at retailers including Canadian Tire, Sport Chek, Mark’s and Party City. Also, earn five to seven cents when you pump gas, 3% at grocery stores on the first $12,000 you spend per year (excluding Costco and Walmart) and 1% in CT Money everywhere else.

Other Benefits and Drawbacks: With this card, you get roadside assistance , purchase security, extended warranty and rental car insurance . But the cash-back earnings are in CT Money, making this only a card for those who frequent the home improvement store.

This card earns you up to 15% cash back on the first purchase from a Neo retail partner, then an average of 5% cash back at Neo partner locations.

Rewards: Collect an average of 5% cash back when shopping at Neo partner locations and an extra 0.5% cash back when you meet a minimum spending requirement (until you reach $50 in earnings).

Welcome Offer: Earn up to 15% cash back on the first purchase from a Neo retail partner.

Other Benefits and Drawbacks: With this card, you can choose one or multiple rewards packages for boosted cash back and app subscriptions, but it doesn’t come with any basic insurance or other benefits.

Related: Neo Standard Mastercard Review

This card offers unlimited 2% cash back in two or three purchase categories of your choice and 0.50% cash back on all eligible everyday purchases.

Rewards: Get unlimited 2% cash back in up to three categories of your choice (like groceries , gas and entertainment) and 0.50% cash back on all everyday purchases. Plus, get extra rewards when your earnings are deposited into your Tangerine Savings Account.

Welcome Offer: Receive an extra 10% cash back on up to $1,000 worth of everyday purchases made in the first two months of owning the card.

Other Benefits and Drawbacks: While this card is unique, in that it allows you to choose your cash back categories, it does not offer any additional perks like travel insurance .

Related: Tangerine Money-Back Card Review

Like the above card, this one offers unlimited 2% cash back in two or three categories of your choice and 0.50% cash back on all everyday purchases with a few Mastercard network benefits thrown in.

Rewards: Get unlimited 2% cash back in up to three categories of your choice (like groceries, gas and entertainment) and 0.50% cash back on eligible everyday purchases. Plus, get extra rewards when your cash-back earnings are deposited into your Tangerine Savings Account.

Welcome Offer: Be rewarded with an extra 10% cash back on up to $1,000 worth of everyday purchases made in the first two months of owning the card.

Other Benefits and Drawbacks: Unlike Tangerine’s Money-Back Card, this one offers rewards when travelling outside Canada, access to select airport lounges for a fee and special offers for on-demand and subscription services. However, to apply, your annual personal income must be $80,000 or $150,000 per household.

Collect up to 2% cash back on groceries and unlimited 1% cash back on everything else.

Rewards: Earn 2% cash back on every $100 you spend at grocery stores, up to a maximum reward of $120 per year or $6.000 in annual spend. After that spend threshold is crossed, get 1% cash back per $100 spent on in-store grocery purchases with no spending limit. Also earn an unlimited 0.5% cash back on all purchases other than those at the grocery store, including recurring bill payments, until a maximum of $6,000 net purchases is made for a maximum reward of $30 per year., After the $6,000 limit is reached on all purchases outside of groceries, earn an unlimited 1% on all non-grocery purchases after that.

Welcome Offer: None

Other Benefits and Drawbacks: Get  purchase security, extended warranty protection and special discounts and offers at Petro-Canada, Rexall and DoorDash for no annual fee. However, the low earn rates on this card and restrictive $6,000 spending limits on those rates ensure you won’t be earning a lucrative cash back return with this card.

This card earns a whopping 4% cash back at restaurants, bars and cafes—making it a great card for any foodie to have in their wallet.

Rewards: Earn 1.5% cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments for an annual cash-back earnings maximum of $150.

Welcome Offer: Be rewarded with 20% cash back on eligible gas, groceries and drugstore purchases and any pre-authorized payments, during your first three months, up to a $500 spend ($100 value).

Other Benefits and Drawbacks: Get purchase security and extended protection insurance with this card, but you can only cash in cash back at the end of the year, when it’s automatically applied to your December statement.

Related: Simplii Financial Cash Back Visa Review

The BMO CashBack Mastercard is an ideal choice for individuals that spend less than $500 on groceries and recurring bills every month.

Rewards: 3% cash back on groceries, 1% on monthly bills and 0.5% on other eligible purchases.

Welcome Offer: 5% cash back for the first three months and 0.99% interest on balance transfers for the first nine months.

Other Benefits and Drawbacks: This card offers a pretty high earn rate on groceries—a major spending category. It also has a competitive balance transfer offer. That said, it has low spending caps and has little to offer in the way of other perks.

Some credit cards offer cash-back rewards, meaning cardholders can receive a small percentage of their purchases back in cash. For instance, if your card offers 4% cash back on groceries, and you spend $100 at the grocery store, you’d receive $4 in cash back. The cards act as a way to help you to “save” a little on everyday spending, while helping to pay off your credit card bill or fund your bank account (depending on how you redeem it).

Typically, cardholders can redeem their cash back earnings for a cash deposit in their bank account or a credit towards their monthly bill.In some instances, you can only redeem cash back once per year and it’s applied to your credit card statement automatically. Often, if you redeem as you go, you’ll have to earn a certain amount of cash back to redeem (like a $25 minimum) but some cash-back cards allow you to redeem smaller amounts.

Typically, cash back credit cards have a base earn rate—usually 0.5% to 1%—that applies across all eligible purchases.Often, they’ll allow you to earn more cash back—typically 1% to 4—in select purchase categories, like gas, groceries, restaurants or recurring bills. Some cards have a cap on how much of your spending is eligible. For example, you may get 2% cash back on gas transactions when you spend $500 or less filling up your tank each month, but after that, you’ll only earn the 1% base rate on gas purchases.

How Does Cash Back on a Credit Card Work?

Every time you use your cash back credit card, you earn back a percentage of your spending in cash, which accumulates in your cardholder account. You can typically see how much you’ve accumulated on your online bank account or mobile banking app. Some purchases you make will earn you a higher percentage of cash back rewards than others, depending on the card you have. It’s worth noting that your card may require you to accumulate a minimum amount of cash back before cashing in on the rewards. Once eligible to collect, you can get your rewards deposited into your bank account or credited towards your next monthly bill. You may also be able to get the cash back on a gift card.

What Does No Annual Fee on a Cash Back Credit Card Mean?

Some credit cards charge you an annual fee, which could be as low as $25 or over $500. With a no-annual-fee cash-back card, that fee doesn’t exist—but there may be other fees to consider. Foreign transaction fees, interest charges, balance transfer fees, and cash advance fees are all common with credit cards. Read your card agreement carefully to learn the details about fees so you can avoid those fees when possible.

Why Do Some Cash Back Credit Cards Have an Annual Fee?

Cash back credit cards that have an annual fee typically offer higher rewards rates, more attractive welcome bonuses , and/or other perks. Before selecting a card with an annual fee, carefully evaluate if its extra benefits justify the additional cost. If they don’t, there are many cash-back credit cards that don’t come with an annual fee that also offer fair rewards and perks.

Not every cash-back credit card with no annual fee is perfect for everyone. Since each card offers different perks based on purchasing habits, you’ll need to consider your lifestyle and find the credit card that best compliments it.

Forbes Advisor simply highlights the key facts about each credit card to make it easier for you to compare them and find the best one for you. It’s up to you to do the math and consider which one makes the most sense based on your spending history and plans. Here’s what you should consider:

• Fees: Do you often do balance transfers? Make purchases outside of Canada? You may want to consider a card with low balance transfer and FX fees .
• Annual percentage rate (APR): Will you be paying off your credit card in full every month? Credit card interest rates are often higher than other loans. The best card for you may be one with a low interest introductory APR offer.
• Earn rate: Do you drive a lot? Like to dine out? Consider yourself a frequent flyer? Choose a card that’ll give you the greatest percentage back in those areas.
• Bonus categories: If a card offers 5% on rotating categories (meaning you can swap out the categories from which you get a large percentage of cash back) but you don’t want to keep track of them, it’s probably not the card for you.
• Redemption and rewards: Is it easy to redeem your cash back? Is there a minimum or maximum redemption amount? Make sure you can get your rewards in the way that is ideal for you.
• Other perks: Does the card offer other perks you could benefit from? Some offer rental car insurance, built-in travel insurance, extended warranties and more that could help save you money.

Once you’ve read through all of the card details, found out how much you spend in different categories, and considered the bonus features that could be beneficial to you, you’re better equipped to make a well-informed decision.

Applying for a cash-back credit card with no annual fee is the same as applying for any other credit card. Once you find one that is right for you and you’re eligible for (meaning, your credit score and income requirements align), you can visit a bank to apply in-person or sign up by yourself online. No matter the option you choose, you’ll be asked to provide personal information, including your Social Insurance Number and financial details. Once finished, you could get approved instantly or you may have to wait for your application to be reviewed manually. Once approved, you’ll receive your card in a few days or weeks.

What are the benefits of a no annual fee cash back credit card?

The benefits of a no annual fee cash-back credit card depend on the card. Common benefits include:

• The ability to earn cash back with no annual fee
• Consumer protections like purchase protection and extended warranties
• Travel protections such as rental car insurance

Before choosing the right no annual fee cash back credit card for you, consider your lifestyle, spending habits and compare the offerings of all cards, including the earning rates, fees and other benefits.

How do I choose the best no annual fee cash back credit card for me?

To choose the best cash-back card with no annual fee, take a look at where you spend your money most—groceries, gas, entertainment, etc.—and find a card that offers the greatest cash back for those categories. Also take into account the extra benefits the card offers (such as rental car insurance) to discover if they could be of use for you, as well as its fees (like low FX fees) to decide if they could be an extra perk for your lifestyle.

How do I redeem my cash back rewards?

How you redeem your cash-back rewards will depend on the card you have. Each card has different rules that will dictate how you can use and manage your cash backs. For example, some cards have a minimum redemption amount, meaning you’ll have to wait until you accumulate a certain amount of points before you can retrieve your points, which again, will depend on the card. You can have the cash back deposited into your bank account and/or credited to your monthly bill. Sometimes, you can get them back on a gift card.

What are the drawbacks of a no annual fee cash back credit card?

By choosing a no-annual-fee cash-back credit card, you could miss out on larger amounts of cash back in the long run. That’s because credit cards that charge an annual fee have higher rates and more benefits. To determine if a card with an annual fee makes sense for you, estimate how much cash back you could earn—if it’s higher than the annual fee, it may be the right option.

But remember: Most cash-back cards charge high APRs—so if you don’t think you’ll pay off your card each month in full, you’ll pay a hefty sum in interest. In that case, a credit card or loan with a lower interest rate may be a better option.

How can I improve my chances of getting approved for a no annual fee cash back credit card?

If you want to improve your chances of getting approved for a no-annual-fee cash-back credit card, first check your credit score and report so you know where you stand. If you have a poor credit score, you may not get approved for the card you’re interested in. In that case, work on paying down existing debt to prove you’ll be able to pay off your card balance. You can also find out if you prequalify for a card, which means your credit score and financial profile matches its eligibility criteria.

Renée Reardin is a writer and editor with over a decade of experience in the lifestyle and wellness spaces. She's the former senior digital editor at Best Health magazine and Canadian Living magazine, where she handled content that covered everything from food and fitness to fashion and finance. She currently freelances for publications like Allure, Glossy, InStyle, The Toronto Star, and Teen Vogue.

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Scottie Scheffler wins the Masters for 2nd time in 3 years

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Masters: Viktor Hovland withdraws from next week’s RBC Heritage after missing cut at Augusta National

After his 1-under 71 to start the week, viktor hovland fell apart on friday at augusta national.

After a brutal finish at Augusta National on Friday, Viktor Hovland is taking a break.

Hovland, who missed the cut at the Masters, officially withdrew from the RBC Heritage next week. The tournament at Harbour Town is one of the PGA Tour’s signature events.

Viktor Hovland WD from next week’s RBC Heritage. The field will be finalized after the conclusion of the Masters Tournament. — PGA TOUR Communications (@PGATOURComms) April 13, 2024

Hovland has won six times in his career on Tour, including three times last season. He won both the BMW Championship and the Tour Championship in the FedExCup Playoffs to win the season-long title, too.

Lately, though, Hovland hasn't been anywhere near as dominant. He made the cut in all five of his Tour starts this season entering this week, but he finished inside the top 20 just once. At The Players Championship last month, which marked his most recent Tour start, he finished T62.

Then on Friday, Hovland seemed to fall apart completely. After a 71 on Thursday, Hovland went 9-over in his second round and missed the cut at the Masters for the first time in his career. He made two double bogeys and had a triple bogey at the par-5 second. Though it was his double at the 15th that was easily the worst of the day. Hovland missed a very makeable par putt and then ended up doubling after an awful attempt at a tap-in.

Golf… Six months ago, Hovland was on top of the world, winning big events, leading the Ryder Cup team and smiling throughout. Now, a 81 at Augusta, a missed cut and a withdrawal from next week’s RBC Heritage. Happens to everyone but hard to watch. pic.twitter.com/pvd91LdTr4 — Jamie Kennedy (@jamierkennedy) April 13, 2024

Hovland ended up throwing the ball into the water after finally making his putt.

Though the 26-year-old recently parted with his swing coach, and he’s been bouncing around ever since, he said ahead of the Masters that he felt like he was in a good place.

“I feel like I'm on a good track right now and we'll see where that takes us,” Hovland said. “But, yeah, I mean, it's one of those things. Like, I was playing great golf last year, but it's not like I'm trying to change my golf swing. It's just sometimes the game of golf you try to do the same every day, but then things aren't the same every day when you go to the golf course. I took a huge break after last year and when I came back, things were a little bit different and I had to kind of find my way back to where I think I'm going to play my best golf.”

It’s unclear when Hovland will play on Tour again. He’ll have three more opportunities before the PGA Championship next month at Valhalla Golf Club.

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