-
No annual fee
-
Accepted at Costco
- 45 PC Optimum points / $ at Shoppers Drug Mart
- 30 PC Optimum points / $ at Loblaw stores
- 30 PC Optimum points / $ from PC Travel
- 30 PC Optimum points / liter of gas at Esso / Mobil
- 10 PC Optimum points / $ everywhere else
- Primary card $0
- Additional card $0
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 20.97 %
- Cash Advance Rates 22.97 %
- Balance Transfer Rates —
- Drugstores45Points
- Groceries30Points
- All Spending10Points
- Year 1 $336
- Year 2+ $336
- Grocery stores
- Optimum
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
Accepted at Costco
- 25 PC Optimum points / $ at Shoppers Drug Mart
- 10 PC Optimum points / $ at Loblaw stores
- 20 PC Optimum points / $ from PC Travel
- 30 PC Optimum points / liter of gas at Esso / Mobil
- 10 PC Optimum points / $ everywhere else
- Primary card $0
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 20.97 %
- Cash Advance Rates 22.97 %
- Balance Transfer Rates —
- Drugstores25Points
- All Spending10Points
- Groceries10Points
- Year 1 $240
- Year 2+ $240
- Grocery stores
- Optimum
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
Accepted at Costco
- Earn 2% cash back on purchases charged to your card for the first three months.
- Earn 1% cash back on purchases charged to your card after three months.
- Primary card $0
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates —
- All Spending1%
- Groceries1%
- Gas1%
- Year 1 $240
- Year 2+ $240
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
Accepted at Costco
- 35 PC Optimum points / $ at Shoppers Drug Mart
- 20 PC Optimum points / $ at Loblaw stores
- 20 PC Optimum points / $ from PC Travel
- 30 PC Optimum points / liter of gas at Esso / Mobil
- 10 PC Optimum points / $ everywhere else
- Primary card $0
- Additional card $0
- Individual $50,000
- Household $80,000
- 2.5 %
- Purchase Rates 20.97 %
- Cash Advance Rates 22.97 %
- Balance Transfer Rates —
- Drugstores35Points
- Groceries20Points
- All Spending10Points
- Year 1 $288
- Year 2+ $288
- Grocery stores
- Optimum
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Earn WestJet dollars on your purchases
-
Accepted at Costco
- Earn up to 10,000 WestJet points1 (with minimum $1,000 spend in the first 3 months)
- Get an annual round-trip companion voucher starting from $199 CAD2 (plus taxes, fees, surcharges and other ATC) for round-trip travel within Canada and to/from the continental U.S.
- Earn 1 WestJet point for every $1 spent on everyday purchases3
- Earn 1.5 WestJet points per for every $1 spent on WestJet flights or WestJet Vacations packages3
- Use your WestJet points to pay for all or part of a WestJet flight, WestJet Vacations package, or Sunwing Vacations package9
- WestJet points can now be redeemed to cover taxes, fees and surcharges9
- No blackout periods and your WestJet points don’t expire5,fly to destinations across North America, Central America, the Caribbean and Europe (ALT language: Anywhere WestJet flies)
- Travel accident insurance11, plus hotel/motel burglary insurance9, auto rental collision/loss damage waiver insurance10 and delayed bagged insurance9
- Link your RBC card with a Petro-Points membership and to instantly save 3₵ per litre on fuel7 and always earn 20% more Petro-Points at Petro-Canada8
- Get $0 delivery fees for 3 months from DoorDash^
Add your eligible RBC credit card to your DoorDash account to:
- Get a 3-month complimentary DashPass subscription± – a value of almost $30
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your WestJet RBC® Mastercard‡
Refer to RBC page for up to date offer terms and conditions.
1 To benefit from this offer and receive 5,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”), your application must be approved by Royal Bank of Canada (“Royal Bank”). This offer only applies to new applications for a WestJet RBC Mastercard.
The Welcome WestJet points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, up to six (6) weeks after your first purchase transaction date, provided that your WestJet RBC Mastercard credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
To receive the additional 5,000 WestJet points (“Additional WestJet Points”), (i) a total of $1,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first three (3) months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card Account must remain open and in good standing at the time the Additional WestJet Points are awarded to your WestJet Rewards account, approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions.
The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.
Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC Mastercard, are not eligible for this offer.
If you close your credit card account, including replacing it with another type of RBC Royal Bank credit card, before WestJet Membership Rewards points and additional WestJet points have been allocated to your WestJet Rewards account, you may not receive them. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
- Primary card $39
- Additional card $19
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 20.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
-
Balance Transfer Rates
22.99 %21.99 % (QC)
- All Spending0.01WestJet Point
- Groceries0.01WestJet Point
- Gas0.01WestJet Point
- Year 1 $301
- Year 2+ $201
- WestJet Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
Accepted at Costco
Get up to 7% cash back in the first 3 months up to a total of $1,000 purchases*
- 5% bonus cash back up to $1,000 spend for all purchases, plus
- 2% cash back on groceries and 0.5% cash back on all other purchases
- Thereafter, unlimited cash back & up to 2% cash back on groceries and up to 1% cash back on all other purchases
Apply by July 8, 2025.
Unlimited cash back on your spending*
- 2% cash back on groceries*
- Up to 1% cash back on all other eligible purchases and pre-authorized payments
- No annual fee
- Link your RBC card with a Petro-Points membership and instantly save on fuel at Petro-Canada stations and earn 20% more Petro-Points
Get $0 delivery fees for 3 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:
- Get a 3-month complimentary DashPass subscription – a value of almost $30
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Exclusive savings and rewards
- Become a Avion Rewards Distinction member with an RBC Cash Back Mastercard.
- Download the Avion Rewards app to activate your membership and access points, cash back and savings, all in one program.
- Plus, download the Avion Rewards ShopPlus browser extension to save with cash back deals right where you shop online from 1,900+ retailers.
*Conditions apply. Refer to RBC page for up to date offer terms and conditions
- Primary card $0
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 20.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
- Balance Transfer Rates —
- Office Supplies10.5%
- Groceries2%
- AIR MILES partners1%
- Year 1 $242
- Year 2+ $192
- Grocery stores
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Accepted at Costco
Special offer: Get 12% cash back on all purchases for the first 3 months up to a total of $2,000 purchases. Apply by August 26, 2025.
- Earn up to 1.5% cash back on all your purchases
- Get unlimited cash back; no limit on what you can receive
- Premium purchase protection for 120 days
- Extended warranty triples the manufacturer’s original Canadian warranty
- Protect your rental car with Auto Rental collision/Loss Damage Insurance
- Instantly save 3₵ per litre on gas & earn 20% more Petro-Points when you link your Petro-Points card to any RBC Card online.
Refer to RBC page for up to date offer terms and conditions
- Primary card $99
- Additional card $0
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 20.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
- Balance Transfer Rates 22.99 %
- All Spending1.5%
- Groceries1.5%
- Gas1.5%
- Year 1 $501
- Year 2+ $261
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Premium Insurance
-
Accepted at Costco
- 3% in BONUSDOLLARS on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
- 2% in BONUSDOLLARS on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
- 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
- 1.5% in BONIDOLLARS on your other purchases
- Primary card $130
- Additional card $0
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
- Groceries3Points
- Dining and Food delivery2Points
- Local Transport2Points
- Year 1 $632
- Year 2+ $632
- Daily transit
- Desjardins Bonusdollars
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Accepted at Costco
- 4% cash back on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1%)
- 3% cash back on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1%)
- 3% cash back on purchases in the Entertainment and Public Transit categories
- 1% cash back on your other purchases
- Primary card $100
- Additional card $30
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
- Groceries4%
- Dining and Food delivery3%
- Local Transport3%
- Year 1 $322
- Year 2+ $322
- Daily transit
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
Accepted at Costco
- 2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
- 2% cash back on purchases in the Entertainment and Public Transit categories
- 0.5% cash back on your other purchases
- Primary card $0
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
- Dining and Food delivery2%
- Local Transport2%
- Entertainment2%
- Year 1 $203
- Year 2+ $203
- Daily transit
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit