Redeem for gift cards, merchandise items, travel rewards, and RBC Financial Rewards® vouchers with rewards starting as low as 2,500 points.
$39 Annual Fee Rebate is available for University or College Students and RBC Signature No Limit Bank Account Owners; otherwise, $39 annual fee for the primary card and no annual fee for additional cards. There is no interest-free period for cash advances. Cash advances, balance transfers, use of RBC credit card cheques, certain bill payments and cash-like transactions are all cash advances. Interest is charged from the day the cash advance is made until payment is received for the total amount you owe. Cash Advance Fees: $3.50 for (i) cash withdrawals or cash-like transactions, in Canada, or (ii) bill payments or balance transfers made at an introductory interest rate offered to you at account opening or at your standard interest rate; $5.00 if cash withdrawal or cash-like transaction occurs outside Canada. No fee on credit card checques at your standard or introductory interest rate. Penalty APR: 24.99% and 26.99%. Dishonoured Payment Fee: $40.