The RBC Rewards+ Visa card is RBC’s no-fee travel rewards credit card.
For new applications, this card is well-suited to casual travellers who are looking to steadily earn Avion points and eventually redeem for high-value travel on WestJet and international Oneworld partners, all without having to pay an annual fee.
The Rewards+ Visa is also a viable downgrade option for RBC’s premium cardholders (such as the RBC Avion Visa Infinite or RBC Avion Visa Infinite Privilege), in case you wanted to keep the account open without having to continue paying the higher annual fees on their existing products.
Bonuses & Fees
The signup bonus on the RBC Rewards+ Visa card is 3,500 Avion points, granted in seven parts upon completing certain tasks:
- 500 Avion points for sharing your email address with RBC
- 500 Avion points for signing up for eStatements
- 500 Avion points for downloading an RBC mobile app
- 500 Avion points for making an Interac e-Transfer
- 500 Avion points for transferring funds
- 500 Avion points for depositing a cheque with the RBC mobile app
- 500 Avion points for paying a bill
The last four criteria can only be met if you also have an RBC bank account. If you’re just a credit card holder and don’t have other products with RBC, your welcome bonus will be capped at 1,500 Avion points for the first three tasks.
The card has no annual fee for primary or supplementary cardholders.
The RBC Rewards+ Visa card offers the following earning rates:
- 1 Avion points for every $1 spent on gas, groceries, and drugstores
- 1 Avion points for every $2 spent on all other purchases
As you can probably tell, this earning rate isn’t very competitive at all, which is to be expected for an entry-level card like this. The earning rate is actually lower than 1 point per dollar spent, which is widely considered a “baseline” for the minimum points-earning rate that a good credit card should offer.
The RBC Rewards+ Visa card is best-suited for those who are interested in collecting Avion points while building up a relatively new credit file or restricting themselves to lower annual fees and credit limits.
Otherwise, it wouldn’t be ideal to put your daily spending on this card, compared to the numerous stronger cards out there (such as the RBC Avion Visa Infinite, to name just one).
Unlike with the higher-tier RBC credit cards bearing the Avion label, the points that you earn on the RBC Rewards+ Visa Card can’t be transferred to RBC’s airline partners.
Also, Rewards+ cardholders can’t redeem points via the Air Travel Redemption Schedule, which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. Instead, you’re limited to using your points at a flat rate of 1 cent per point for travel booked via the RBC Rewards centre.
Luckily, if you ever decide to upgrade your Rewards+ card to one of the RBC Avion cards, any points you’ve collected will be upgraded as well. Then, you’ll have the ability to access higher-value travel redemptions that are exclusive to Avion cardholders.
Your points never expire for as long as you’re a cardholder. If you cancel or switch to a different RBC product, you have 90 days to redeem your points before they go away.
Perks & Benefits
All RBC cardholders can save 3¢/L on fuel at Petro-Canada, and will earn 20% more Petro-Points and Avion points upon linking their card to their Petro-Points account.
The RBC Rewards+ Visa card does not offer any types of insurance coverage. While that’s understandable for a basic no-fee product, it’s still a fairly sub-standard offering compared to other no-fee cards in the market.