No blackouts, seat restrictions or points expiry, redeem for flights on any airline with flights starting at 15,000 RBC Rewards points.
Annual Fee: $120 for the primary card and $50 for each additional card. 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% or 26.99% (see website for details).