RBC Rewards for credit cards

Enjoy a wide variety of ways to use your points

No matter which side of the border you happen to be on, you’ll find lots of ways to use your RBC Rewards Points. Use them immediately or save them up. Redeem them for cash back or for travel, merchandise, and gift cards. And we’ve made it very easy to earn the rewards you want even faster by pooling your points with family and friends. Or, convert and transfer your RBC Rewards Points to your Canadian card with Rewards.

Redeem your RBC Rewards Points for:

  • Gift cards from a variety of U.S. and Canadian retailers, restaurants, and more
  • Travel with no hidden fees, blackout dates, or seat restrictions
  • High-end merchandise including jewelry, electronics, and entertainment
  • Cash-back credit to apply toward your outstanding account balance

Choose the program that’s most rewarding for you.

With your You earn Annual fee
RBC Bank Visa Signature Black Credit card 1 point for every $1 spent1 None2
RBC Bank Visa Signature Black Plus Credit card 1.5 points for every $1 spent1 $75
RBC Bank Visa Platinum Rewards Credit card 1 point for every $1 spent1 None2


For more information about earning, pooling, transferring points and more, please refer to the RBC Rewards Program Rules Terms & Conditions.

‡ All other trademarks are the property of their respective owners.
Cards are subject to credit approval.

1 Points are not earned on balance transfers and cash advances.
2 Additional credit card transaction fees apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of foreign transaction regardless of whether the transaction is made in U.S. Dollars or in a foreign currency (Exception: Puerto Rico and U.S. Virgin Islands). Late Payment Fee- up to $35. Returned Payment Fee - up to $35.