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RBC Rewards

RBC Rewards is a powerful points program, and easily one of the best among the big 5 banks in Canada. These points can be redeemed for travel, gift cards, and much more.

There are two types of RBC points that are earned from different families of credit cards:

• RBC Avion Elite points (higher tier)
• RBC Avion Premium points (lower tier)

RBC Avion points can be redeemed for travel and also transferred to other airline partners, while general RBC Rewards points cannot. 

RBC credit cards that earn Avion Elite points will have Avion in their name, such as the RBC Avion Visa Infinite credit card. On the other hand, there are RBC credit cards that earn Avion Premium points such as the RBC ION+ Visa credit card.

Throughout this page, we will use the term “RBC Rewards” to refer to both tiers of points to be consistent. However, we will note any differences between the two sets of points in the relevant sections below.

Earning RBC Rewards Points

There are two main ways in which you can earn points in the RBC Rewards program: credit card welcome bonuses and organic credit card spending.

Credit Card Bonuses

The most effective method to earn RBC Rewards points is through earning the welcome bonus on a RBC Rewards credit card. There are many RBC Rewards cards to choose from.

The most popular RBC Rewards credit cards are the RBC Avion Visa Infinite and RBC Avion Visa Platinum credit cards as they tend to offer the most bonus points and benefits for the lowest annual fee.

Credit card bonuses may also be earned through product switching .

Credit Card Spending

The RBC Rewards credit cards have a standard earning structure in that a set amount of RBC Rewards points are earned for every dollar spent on all everyday purchases with no extra points for spending in specific categories (such as groceries or transportation).

There is one exception as some RBC Rewards credit cards, such as the RBC Avion Visa Infinite, will earn 1.25 points for travel purchases, and the RBC Avion Visa Infinite Business/RBC Avion Visa Infinite Privilege cards earn 1.25 points on all purchases.

RBC Rewards Credit Cards

The table below shows the best RBC Rewards earning credit cards available. The RBC Avion Visa Infinite is arguably the strongest card with a very strong current welcome bonus. It also earns 1 point per dollar and 1.25 points for travel purchases.

Redeeming RBC Rewards Points

RBC Rewards is a highly flexible points program and can be redeemed for travel in a variety of ways, as well as redeemed for other types of rewards including financial rewards, merchandise, and gift cards. 

As with most bank point programs, travel provides the highest redemption value. RBC Rewards can be redeemed for travel in three ways:

• Air Travel Redemption Schedule (Fixed Travel)  
• Flexible Travel Reward
• Transfer to Airline Partners

Air Travel Redemption Schedule (Fixed Travel)

The RBC Air Travel Redemption Schedule provides the greatest value for redeeming RBC Rewards points for flights. However, as the name suggests, there are a few more rules to follow when redeeming your points this way. First of all, you can redeem RBC Rewards for one-way, round trip, and multiple destinations flights.

How many points are required for redemption through the Air Travel Redemption Schedule is fixed and based on the particular destination, according to the chart below. For a given destination, there is a maximum ticket price that the points can be redeemed for – this does not include taxes and fees. 

If you exceed the maximum ticket price, you can pay the difference in points at a rate of 100 points = $1 CAD (the flexible travel rate). You can also pay for flight taxes by redeeming your points at this same rate of 100 points = $1 CAD.

There is one other restriction with the Air Travel Redemption Schedule: you must make the booking a minimum of 14 days before the departing flight. Keep this in mind when considering whether to redeem RBC points for flights using this method.

How to Redeem RBC Rewards Points Using the Air Travel Redemption Schedule

In order to make a flight booking using the RBC Rewards fixed travel program, you will need to go to the RBC Rewards Travel portal , which is powered by Expedia. 

In order to initiate a flexible travel rewards booking, log into RBC Rewards and click “Travel Home” on the top bar. From there, click on the “Book Travel” button.

This will take you to the RBC Rewards Travel portal page. From here, you will be able to search for flights, hotels, car rentals, and vacation packages. In order to redeem through the fixed travel redemption program, you will need to click on flights.

From here, fill in your desired routing, dates, number of passengers, and ticket class, and click “Search” to generate a list of flights.

Once you can see the list of flights, you will see the total point cost using the fixed travel redemption in addition to the taxes and fees on the ticket. At the top of the screen, you can flip between fixed points pricing and flexible points pricing to determine which is the better deal.

In this case, fixed points pricing has all itineraries at 35,000 RBC Rewards points (as one would expect per the chart above).

On the other hand, if we were to make this booking with flexible rewards, we would be paying at a minimum an additional 21,000 RBC Rewards points. This is where the fixed rewards chart really shines.

Once we go through the portal and select our outbound and inbound flights, we are presented with a page summarizing the flights chosen and the total price. On the right-hand side, you can confirm that you are using the fixed travel redemption method by looking at the total point cost. Since this is an economy roundtrip fare within North America, 35,000 is the correct amount of points. From here, click “Check Out” to complete the rest of the booking process.

For this booking in particular, I was effectively able to redeem 35,000 RBC Rewards for $413 in base fare value (roughly 0.0118 cents per point). Since you can cover up to a $700 base fare with the 35,000 RBC Rewards fixed flight redemption, there is some additional value that could be extracted with the right flight. But if you were just looking to travel to Los Angeles, this is a great value for your points.

It is important to note that any flights that do not qualify for the Air Travel Redemption Schedule will automatically have flexible points pricing applied.  

Flexible Travel Rewards

The other way to use RBC Rewards points for travel is through the flexible travel reward chart. This method allows you to redeem your RBC Rewards towards virtually any flight, hotel, car rental, and other travel expenses at a rate of 100 RBC Rewards points = $1 CAD (RBC sometimes refers to this as the “1% rate”).   

So for example, 25,000 RBC Rewards points can be redeemed for $250 CAD worth of travel. What makes this method even more flexible is that you can pay for travel using any combination of points and payment via credit card.

In general, you would only want to redeem RBC Rewards points for flights using this method if your flights do not qualify for the Air Travel Rewards Redemption Schedule. Alternatively, you may already have lots of airline points from other programs like Aeroplan and prefer to use your RBC points for a hotel stay, car rental, cruise, or vacation package. 

Also of note, holders of the following credit cards actually get a special 2x rate for flexible travel redemptions used towards Business (J) or First Class (F) airline tickets, meaning they can redeem 100 points for $2 CAD:

• RBC Avion Visa Infinite Privilege 
• RBC Avion Visa Infinite Business
• RBC Commercial Avion Visa

How to Redeem RBC Rewards Points for Flexible Travel Rewards

Redeeming RBC Rewards for flexible travel rewards can be done entirely through the RBC Rewards Travel portal , which is a search engine powered by Expedia. In order to redeem points through this method, you do need to book through the portal and cannot apply points to a pre-existing booking made elsewhere.

This will take you to the RBC Rewards Travel portal page. From here, you will be able to search for flights, hotels, car rentals, and vacation packages. The process is the same no matter what you are redeeming your RBC Rewards for.

For our how-to, let’s take a look at booking a hotel in Las Vegas for August. Select “Stays” at the top, and select the desired destination, your dates, and the number of travelers. Click “Search”.

Once you search, a variety of hotels will be displayed that meet your travel criteria. You are able to filter or sort if desired to find the perfect hotel to suit your needs. Once you find the hotel you are interested in, click on it to be brought to the hotel-specific page with property details and room types that are available for this booking.

Scroll down and you will see the rooms that are bookable. Once you find the one that you like, click on Reserve to be taken to the payment page.

Once you are on the payment page, this is where you can elect to use your points to pay for the booking through the flexible travel rewards option. You are able to use a portion or all of your points when making a flexible travel booking, however, the default is to use all of your points (or the maximum number of points to pay the booking off completely).

As you update the points and cash payment split, the price summary on the right-hand side of the screen will update. This will give you insight into what you will be paying for this booking when you confirm in addition to any on-property fees (such as a resort fee in Las Vegas).

Once you are happy with the price summary, simply fill in the rest of the details and click “Complete Booking”. Any applicable points will be withdrawn from your account and you will receive an email confirmation of the booking.

Convert RBC Rewards to Airline Partners

If you are pursuing a flight redemption on another airline, you might find value in converting your RBC Rewards points to a specific airline loyalty program. RBC Rewards is partnered with American Airlines AAdvantage, British Airways Executive Club, Cathay Pacific Asia Miles, and WestJet Rewards.

You can convert RBC Rewards points at the following rates:

The RBC Rewards program also offers transfer bonuses from time to time. For example, in recent years we have seen promotions that give cardholders an extra 30% British Airways Avios Miles when transferring. This can create some strong value propositions in making dream trips much more accessible, such as redeeming Avios for Qatar Airways Qsuites .

If you hold any of the RBC Avion credit cards, you will be able to transfer to any of the partners listed above. On the other hand, if you hold a card that earns Avion Premium points, you will only be able to transfer your points to WestJet Rewards. (However, you can fix this by either switching the card to an Avion card or by applying for another Avion card and transferring the Rewards+ points to the Avion card).

You can see the current transfer ratios, including any bonus promotions, by viewing our Miles & Points Transfer Partner Tool .

How to Convert RBC Rewards to Airline Partners 

To convert your RBC Rewards points to airline partners, go to the ‘Shop RBC Rewards’ portal. You can access this from the account summary page of any of your RBC credit cards.

Then from the RBC Rewards portal home page, select ‘Manage Points’ from the main navigation menu and then ‘Convert Points’ from the submenu. 

From the next screen, you’ll be prompted to select which loyalty program you would like to transfer to and then the number of points. You will also be prompted to input your membership number for whatever program you are transferring points to, as well as an email address for confirmation (optional).

RBC often offers promotions of 20-25% off on gift card costs for various retailers so there may be value there (which is atypical as for most points programs, redeeming points for gift cards offers terrible value).

The best value is consistently hotels.com or Fairmont as both can be purchased at 1 cent per point without any promotions required. However, there have been previous promotions for hotels.com and Fairmont, in which we have seen up to 25% off.

If you have a Rewards+ earning RBC credit card (not Avion), you can also redeem at 1 cent per point for Amazon.ca gift cards.

Other Redemption Options

RBC Rewards can also be redeemed for merchandise, a statement credit, or financial rewards. These methods are not viable from a value perspective and it is strongly recommended that you do not redeem RBC Rewards using any of these methods as you are effectively throwing money away.

The RBC Rewards merchandise catalog has various products to purchase with points. The value for redeeming points for merchandise varies widely but is generally underwhelming and not recommended. You would be better off redeeming points for a gift card and purchasing the merchandise outright on many occasions.

Points can be redeemed towards a statement credit for your Royal Bank of Canada credit card account. If you were to redeem points through this method, 10,000 RBC Rewards points would be worth a $58 statement credit. It doesn’t take a mathematician to understand the terrible value that this offers.

Finally, RBC Rewards can be redeemed towards RBC financial rewards. This means that if you hold a mortgage, personal loan, or registered account with RBC, you can redeem points to financially fund that account. If you were to use this option, 10,000 RBC Rewards points would be worth $83 in your financial account. Again, not a great value when you can easily redeem points for at least 1 cent per point.

Frequently Asked Questions

As long as you hold an active RBC Rewards or Avion credit card, the points tied to that card will not expire. If you cancel an RBC credit card that still has points remaining, you will have 90 days to either redeem those points or transfer them to another active RBC Rewards or Avion credit card that you hold.

RBC Avion Elite points are RBC Rewards points earned by Avion cardholders. They are a higher tier of points than the basic RBC Avion Premium points and, unlike RBC Rewards, Avion Elite points can be redeemed for travel and also transferred to other airline partner programs.  

You can redeem points to redeem for flights through two methods: via the fixed travel award chart or the flexible travel option.  The fixed travel award chart allows you to redeem points for round-trip flights to destinations around the world for a set amount of points and up to a certain ticket value. For example, a round-trip economy flight anywhere in North America will always cost you 35,000 RBC Rewards points. The ticket can have a maximum value of $750 CAD. Flexible travel redemptions allow you to redeem points at a rate of 100 RBC Rewards = $1 towards any travel booked through the RBC Rewards travel portal.

Some select flights are not available to book on RBC’s Travel portal. If this is the case, you can instead opt to book the flight yourself and receive statement credit from RBC in exchange for your points. To do this: 1. Navigate to Support from the RBC Travel homepage 2. Select the popular topic “Book with a statement of credit on an Avion flight” 3. Go through the process outlined therein You must call and receive authorization from an RBC travel agent before making the booking. Then you must complete a manual form before you will be credited with statement credit and the appropriate amount of RBC points removed from your account.  This method can be used to redeem using the Air Travel Redemption Schedule rates or the 1% flexible travel rate.

Yes, you are able to combine RBC Rewards points between any RBC Rewards credit cards that you hold. When you log into RBC Rewards, click “Transfer Points” and you will be able to choose the account you want to transfer points from and the destination account. You can also quickly combine points between all of your accounts using this feature.

No, you cannot transfer points to a different cardholder.

The value of an RBC Reward point varies, depending on how you choose to redeem them. We recommend using a base value of 1 cent per RBC Reward point when making your redemptions.

The RBC Rewards program team can be contacted via phone at 1-800-769-2512.

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5 comments on “ RBC Rewards ”

I just tried the RBC Rewards Travel Portal to see how much a fixed point redemption would cost and it was not as advertised. One person, return trip from Vancouver,BC to LHR leaving Dec 16th and returning Dec 23rd, 2023 would cost 65,000 fixed points (should be worth up to $1,300 excluding tax and fees) plus $935.66 out-of-pocket. I compared this against Expedia and the out-of-pocket trip cost would be $1,140.66 (breakdown is $805.00 in air transportation charges, plus $335.66 for taxes and fees). So, the 65,000 RBC Avion points only saves me $200 in travel costs – this is pathetic! It should have saved me the $805 flight cost! What is going on here; is RBC devaluing their own points? …I ‘m considering changing credit cards if this is the case. Thanks for your advice.

$1300 is the max ticket price, not the guaranteed value. Are you comparing the exact same flight on Expedia and on RBC? The $935 out of pocket seems strangely high but I wonder if its on an airline like BA which have notoriously high taxes and fees. You’d be better off booking a flexible travel redemption and taking $650 off instead.

Personally I find best use of RBC to be transfers to airline partners like BA Avios, Cathay, etc.

Hi Reed. Thanks for your reply. Maybe I’m not quite understanding the ticket price vs guaranteed value. To clarify, the comparison was for the exact same flights, carrier (Air Canada), and dates. Expedia “Air transportation charges” (I assume this is the ticket price portion?) showed as $805 so this was what I expected RBC to cover but they don’t. I did another comparison tonight with different dates (July 6-20, 2024 flying with Iceland Air) and the Expedia cost was $976 for “Air transportation charges” plus $277.96 for “taxes and fees” (total cost $1,253.96). RBC wants 65,000 points plus $621.96. So, out of the total cost of $1,253.96 RBC is only covering the difference of $632 with my 65,000 points (about a 1% points vale); still extremely terrible “value” from RBC. They should cover the $976 flight cost. What am I missing? Can I send you a screenshot? Thanks again.

Yes – I emailed you.

I was not allowed to choose Level of economy flight from basic to the next two levels of economy this is a situation on Air Canada site that allows me to increase my level of comfort

Editorial Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. For complete and current information, please consult the entity's website.

How to redeem Avion Rewards points for financial rewards

When logged into RBC Rewards, if you look under the Shop & Redeem menu, you’ll see there’s an option to use your points for RBC financial rewards. Assuming you have financial products with RBC, you can use your points for the following:

• Add to your existing investments
• Mortgage payments
• Repayment to your line of credit.

It takes 12,000 RBC points to get $100 in financial products which gives you a value of .83 cents per point. At first glance that may seem like a lot, but think about the long term. With mortgage and line of credit payments, you’re basically paying off your loan earlier which you immediately save on the interest. If you’re adding to your investments, you can take advantage of  compound interest  which could make your redemption very valuable in the long run.

If you use your points for a financial reward that’s put towards your  RRSP , you could also get a tax break. Putting in your  TFSA  would allow you to invest with tax free gains. It’s a win-win situation, but you won’t see the reward for many many years.

Redeeming Avion Rewards points for merchandise, statement credits, and charitable donations

The final three redemption options for your RBC Rewards points are merchandise, statement credits, and charitable donations. Although the RBC Rewards merchandise catalogue is quite large and there are some quality products available, the number of additional points required for the value is not worth it at all. I would advise avoiding using your points for merchandise. That said, there are occasionally discounts on merchandise redemptions, so sometimes the transactions aren’t a terrible deal.

Using your points for a statement credit is an even lower value. It takes 17,200 points to get $100 off your statement. That means your points would be worth .58 cents per point. Unless you’re facing financial difficulties, you’re better off redeeming your points for anything else.

RBC Avion points   transfer partners

I love programs that let you convert points to other loyalty programs since it adds flexibility and value. Avion Rewards has one of the most extensive and valuable lists of conversion partners when it comes to Canada’s bank travel reward programs. American Express Membership Rewards is better, in my opinion, but RBC Rewards isn’t far behind.

Here is the list of programs you can convert Avion points to, but note that except WestJet Rewards, only Avion cardholders can transfer their points to the following partners:

• WestJet Rewards : 1,000 RBC points = $10 WestJet dollars
• Hudson’s Bay Rewards : 1,000 RBC points = 2,000 HBC Rewards points (worth $10 at Hudson’s Bay)

If you are an Avion cardholder you can also benefit from these conversion options:

• American Airlines : 10,000 RBC points = 7,000 AAdvantage miles
• Cathay Pacific Asia Miles : 10,000 RBC Points = 10,000 Asia Miles
• British Airways : 10,000 RBC points = 10,000 Avios miles

It’s hard to put an exact value on airline miles since there are so many variables, but generally speaking, their value is around a minimum of 1.5¢ per mile for economy tickets. Often you can get double the value if you’re booking in business class. That said, WestJet Rewards uses a dollar system, so they have a fixed value.

It’s a good idea to log into RBC Rewards often since they have many redemption promotions throughout the year, which boost your points’ value. In addition, RBC Rewards had a few transfer bonuses (10% to 30% bonus points) for Westjet, Asia Miles, British Airways Avios Miles, and American Airlines AAdvantage Miles. That meant you got extra value when transferring your points to a partner.

Of particular interest is how you can transfer your points to WestJet dollars. Nothing stops you from holding an RBC Avion card and the RBC WestJet World Elite Mastercard. Both cards come with good sign up bonuses so you could quickly rack up those WestJet dollars. For example, the RBC Avion card typically has a welcome bonus of 15,000 points which can be transferred to WestJet for $150 WestJet dollars. The WestJet RBC World Elite Mastercard’s standard bonus is $250 and a companion voucher. When you combine the two, you’ll have $400 in WestJet dollars without having to spend much. No purchase is required to get the bonus with the Avion card, and you only need one purchase with the WestJet Card.

Do RBC Rewards points expire?

There’s a lot of conflicting information out there about when RBC Rewards points expire. I have confirmed that  RBC Avion points don’t expire  as long as you have an active eligible RBC Royal Bank credit card. If you cancel your card, you have 90 days to redeem them before losing them. The first-in, first-out rule you may have read about online is an old outdated article. RBC really needs to delete that page. If you’re unsure when your points expire, you could always call customer service to confirm.

How RBC Avion compares to others

RBC Avion Rewards is easily one of the best travel loyalty programs of Canada’s big five banks. There are many reasons why I rank RBC Rewards so high, including:

• No blackout dates
• No minimum number of points to redeem
• A fixed points flight program
• Many transfer partners to convert points to
• Many promotions for redemptions
• Value of points

In my opinion, RBC Rewards is only second to  American Express Membership Rewards . American Express holds the first place because RBC Rewards lacks an option to book travel on your own (you can only book through their portal) and because RBC Rewards credit cards don’t really have any increased earn rates which limit how fast you can earn points. You can also read my reviews of  CIBC Rewards ,  BMO Rewards ,  TD Rewards  and  Scene+  to see how RBC Rewards compares.

How to earn RBC Avion Rewards

To earn RBC Rewards, you must have a credit card account that earns you RBC Rewards. As you can imagine, the easiest ways to earn points are via credit card sign up bonuses and everyday purchases you make on your RBC Rewards credit card. Currently, there are six personal credit cards and two business credit cards that will earn you RBC Rewards points. To make things a bit complicated, RBC Rewards has two tiers of RBC Rewards points: regular and Avion RBC Rewards points. Points from an Avion account have more redemption options, and these options are the most valuable ones. With this in mind, the RBC Visa Infinite Avion card is arguably the best card to earn Avion points and is one of the  best RBC credit cards .

RBC Avion Visa Infinite Card

• $120 annual fee
• 35,000 Avion points on approval
• Earn 1.25 Avion points for every $1 spent on travel purchases
• Earn 1 Avion point per $1 on all other purchases
• Comprehensive travel insurance
• Mobile device insurance up to $1,500

The sign up bonus for new cardholders is typically 15,000 points which isn’t much compared to some of the  best travel credit cards in Canada . That said, the  RBC Visa Infinite Avion Card  often has promotions where the welcome bonus is 25,000 – 35,000 points, and the annual fee for the first year is waived. Whenever a promo like that comes around, it’s worth signing up for the card.

The earn rate of 1.25 points per $1 spent on travel is decent, while the 1 RBC Reward point earned per dollar spent on all other purchases, including bill payments, is pretty common. Here’s something that many people don’t realize. You don’t need to make any purchases to get the bonus. The terms and conditions say you get it after the first statement.

Another little-known trick is that you can  switch  from the RBC WestJet World Elite Mastercard to the RBC Visa Infinite Avion Card and vice versa. This is useful if you’re not able to maximize your points and want to try something new. That said, be sure to use up your points before you make any changes.

The RBC Visa Infinite Avion Card also provides good travel insurance when travelling outside Canada. Not only do you get travel medical, but you’ll also be covered for trip cancellation/interruption, delayed and lost baggage, hotel/motel burglary and more. Obviously, some exclusions apply, so read the certificate of insurance for complete terms.

Link to your Petro-Points card

RBC has a deal in place with Petro-Canada where you can save 3 cents per litre at Petr-Canada, 20% extra Petro-Points, and 20% extra RBC Rewards points.

To be eligible, you just need to add your Petro-Points number to your RBC online banking account. You would link your Petro-Points card to all of your eligible RBC debit or credit cards. 

Final thoughts

Avion Rewards is one of the  best bank travel rewards programs . The RBC Visa Infinite Avion card may not give you the best signup bonus or have the highest earn rate, but there’s no denying that once you have the points, they’re easy to use. There are no blackout dates and no minimum points required to make a redemption, so you’ll never run into any issues using your points. If you’re a fan of RBC, check out my  RBC InvestEase review  and find out how you can reduce your investment management fees.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

97 Comments

Can you explain more on the comprehensive cancellation insurance for traveling? For flight

What I mean is you get travel medical, trip accident, trip cancellation, lost luggage, etc. You cAN READ THE FULL DETAILS HERE.

https://www.rbcroyalbank.com/credit-cards/travel/rbc-visa-infinite-avion/rbc-visa-infinite-avion-certificate-of-insurance.pdf

Barry choi, What about outright flight cancellation by company with no booking possibility ? this happened to me 5 years ago and Avion card could not do anything!

When saying trip cancellation … talking from whom??

What do you mean by company with no booking possibility? With fight cancellation, it only applies to reasons that are outlined in your insurance policy.

When should I pay for a flight as opposed to redeeming points. I want to go to Vancouver – Honolulu -L.A. – Vancouver. Points 45000 plus $266 Cash $960 Plse advise and thx,Lawrence

45,000 Rewards points would be worth $450 + $266 for taxes = $716. Since the value of your redemption via the fixed travel program is $960, you come out ahead using the fixed program.

How much is 28906 rbcrewards point please

10,000 points = $100 so you have $289 at the base value. Your points are worth more if you use the RBC Rewards Air Travel Redemption Schedule

Hi. I have 10500 pts and I purchased my ticket for $2000 whose base fair is $1400. What’s the best way to go with the schedule?

You need 15,000 points to make a claim within or to an adjacent Province/Territory/U.S. State. That fare has a maximum base price of $350 so you can’t use the fixed redemption schedule.

you could just 10,000 points to redeem $100.

Sorry Barry. I have 105000 points. I missed a zero. Can you please update your response?

If you’ve already paid for your ticket, you can’t use the air redemption schedule. Assuming you didn’t 100K points gets you a flight from any major gateway in Canada/U.S. to destinations in Asia, Australia, New Zealand, South Pacific, Middle East, Africa, South America

Hi Barry, thanks for the article and for all the Q&A work as well !!

I’m looking at making the switch to Amex. I have 160k reward points I’ve saved up over the years. Looking to cash out or use these points up somehow with the best value. Appears as tho 10,000 points for $100 value is about the best offer from RBC rewards? Also, do you know if these points expire if I got rid of my RBC Avion card?

Yup, 10K points for $100 is indeed the best value. You lose all your points if you cancel your card. Your best bet would be to transfer your points to WestJet Dollars or hotels.com giftcards as they have good value.

I product switched to the RBC British Airways Visa almost 4 months ago. My account has remained in good standing however, I haven’t received the welcome bonus of 15k points yet. I have called RBC multiple times and each time I have been told that BA awards the points but when I speak to BA, they say that RBC needs to award the points. Do you have any idea who should be awarding the points? Thanks in advance for any help you can provide.

In theory, it should be BA that actually issues the points but RBC would have to authorize it.

I would advise escalating the case with RBC first to see if that resolves anything.

If I wish to use my Avion Rewards points to pay off my credit card bill, is it straight 100 points/per every $1?

No, it takes 172 points to claim $1 in statement credit so you’re devaluing your points quite a bit if you were to go that route.

Is this card best to earn miles to book a points first class flight from Vancouver to Tokyo?

I just noticed RBC is offering 50% more points if converted to Avios, does the same offer ever happen with AA points?

The 50% bonus is quite rare. I’ve never seen it with AA.

Is it worth it to convert your Avion points to BA Avios given the 50% bonus on until Dec 15th? I live in Vancouver and typically fly to Hawaii in Winter and Europe in summer. Your insight is much appreciated.

If you plan on using those BA points, then yes, it’s a great deal. That said, I’m not sure which airlines you can use BA Avios points to get you from Vancouver to Hawaii.

Hi, is it worth buying the air Canada gift cards at a 10% discount? Are they easy to use and are there any hidden charges / rules to these we should know about?

Buying the gift cards gives you a guaranteed discount of 10%, but you might get better value if you used your points on the fixed travel program. It’s honestly a personal choice but I imagine you wouldn’t have any issues with using the gift cards. As far as I know there are no additional charges or rules, but read the fine print before you commit.

Do my RBC rewards expire at any point

Not as long as you have a credit card account that earns you RBC Rewards active with them that’s in good standing.

RBC Reward points expire after 3 years on a First In, First out basis.

That is incorrect. If you refer to handbook, the first page states that RBC points don’t expire.

https://www.rbcroyalbank.com/credit-cards/travel/rbc-visa-platinum-avion/rbc-visa-platinum-avion-benefits-guide.pdf

The reference to points expiring after 3 years is old and should have been removed from the website.

my mistake, you are correct. I believe my knowledge was outdated.

I just logged into my RBC Rewards and I see that I have a – 69K point balance. How is it possible to end up with a negative reward points balance?? I have never even used my rewards and forgot that it was even available. Any help would be appreciated.

You’d have to check with RBC about that

Do you think it is worth keeping the RBC Infinite Avion card beyond the first year? Is it worth the $120 per annum annual fee considering that I am also paying fees for amex gold card and BMO cash back card?

Thanks for your insight

Hi Viviene,

I personally wouldn’t keep three credit cards with annual fees. Of the three cards you mentioned, I’d probably drop the BMO cash back card but that’s because I prefer travel points. Who do you bank with? Do they waive the fee for any cards?

I bank with BMO but it’s a joint account and the waiver goes towards my partner’s BMO MC world elite card. I figure the cashback we get each year more than pays for the annual fee.

What does RBC Avion offer that justifies its fee? It seems as if it would take a long time to build up any significant number of points.

Well it’s really for you to decide based on your spending. E.g. if you moved all the spending from your cash back card to the RBC card, you could more in points for flights than what the annual fee would cost you. I think the RBC Rewards fixed flight travel chart offers good value especially if you’re looking at short haul flights. However, that may be redundant since you have the Amex Gold which also has a fixed points program.

How would you compared the two fixed points program? I tend to focus on transferring my Amex points to Avios and haven’t really looked at the Amex fixed points program. I also feel that the Amex Gold has more to offer than the RBC card in terms of travel insurance and flexibility on how to use points. But I may be wrong….

Both programs have their sweet spots. Amex is arguably better since you have more transfer partners. The Amex Gold has a slightly higher earn rate on travel. but RBC Rewards has occasional promos where if you transfer your points to BA, you get 25 or 50% more points.

I do agree that the Gold Amex is a better overall card.

Is there anyway I can browse through options for say a vacation package, that would be qualified for if I had 150000 points? For example my 150000 points would allow me to go to Cayo Largo Cuba, or Puerto Plata Dominican Republic or Cozumel Mexico…you get the idea.

It doesn’t give you an option to search for results based on X points. All really allows you to do is search by price from low to high after you’ve selected a country.

I have always been a fan of the RBC Avion program until today when I tried to change a departing flight and was told that all the flights I chose were “not available” although there were clearly seats for sale on both the airline website AND Expedia. RBC only offered a few very poor flight options. I thought “any flight” meant “any flight”. I have never encountered this before. We ended up buying new flights from the airline after spending over 30 minutes on hold, suffering through a painfully frustrating conversation with an agent and draining the battery on my phone.

I’m going to bail on Avion after learning that they recognize an Air Canada fuel surcharge of 570$ per ticket to europe in a time of extended, sustained low fuel prices. It was going to cost me 1100$= in fees when flights can be purchased outright for just over 1600$.

Value lost due to poor decisions at Avion….. adios!

That’s Air Canada’s fault, not Avion.

How long does it take to convert RBC points into Asia Miles? Is it instantaneous or do you have to wait 6-8weeks?

It usually takes 4-5 days for the transfer to Asia Miles

I have around 200k in avion points. I am trying to figure out the best option for using them as we are moving to Europe for a year. I looked into the flights but almost 1/2 goes to the taxes, etc. I was wondering if it was best to use them while we are there for short trips. So, what would be the best value? (ie rental car, hotels, ?), anything else?

Points for flights to Europe are typically of low value due to the fees. Using them within Europe is also not a good value since you wouldn’t be able to use the fixed travel program. You could use the RBC travel portal when you’re abroad and book points at 10,000 points = $100 in travel.

Alternatively, you could convert your points to WestJet dollars at a 1:1 ratio. On occasion, there are promos where you can convert to hotels.com giftcards which can be a good value.

Hi Barry, we have ~250,000 RBC Avion points and I’m trying to maximize getting to FCO (Rome) this summer from YYZ (Toronto.) We also have 90,000 in Aeroplan.

Traveling with a 15 month old so really wanted to optimize for lie-down seats. But they are pricey. ($8000 for two seats on AC’s direct flights.)

Can you suggest a way to optimize our points to make it work?

Flying from Toronto to Europe is one of the worst redemptions regardless of the program due to high airport taxes. With Aeroplan, you need 110K points for a return business flight so that won’t really work.

For RBC, I don’t think you can use your points for business so that doesn’t really help.

The best value I can think of right now and this is honestly not the greatest solution is to consider transferring your points to WJD. If you have the WestJet World Elite Mastercard, you can use the companion voucher for premium economy. I just booked two flights from YYZ to LGW for $2400. Of course, you would still need to get a flight to Rome and you’d only be redeeming your points at a 1% value.

IMO, you’re better off paying cash for this route and saving your points for later.

Help. We have 175000 Avion points. Looking to use them from YVR to LHR. If I use the points for 3 fares return it looks like another $700 each on top !!!! With Aur Canada. Flights in September are approximately $700 each return. Can you give any advice. I have not checked if BA charges the same.

Flights to Europe are a terrible value due to the high taxes. You’re better off saving your points for a different redemption.

Is it possible to use Avion points to pay for an upgrade on an already booked flight? Is it worth it? Looking at this for a flight from Houston to Auckland on Air New Zealand.

You’d have to call and ask. You definitely can’t do upgrades via the RBC Travel portal.

Is there a time limit to redeem accumulated points? And I wld like to purchase a gift card for electronics?

Your points don’t expire as long as you have an active RBC credit card that’s in good standing.

I am a bit lost with car rental points… if my rental was $800.00 how many points would I need

That falls under travel so it would cost you 80,000 points.

Barry, Can RBC Avion Visa Infinite cardholders redeem for a Premium Economy class seat instead of Economy class? Thanks!

RBC Rewards is a full service travel agency so you can book premium economy, but it’ll cost you more points. It’s unlikely you’d be able to book premium under the Air Travel Redemption Schedule since the price would exceed the maximum base price.

Barry, RBC Avion Visa Infinite redemption schedule From Canada to Hong Kong: 100,000 points. Maximum ticket price: $2,000.

Normally the Air Canada Premium Economy ticket from Canada to Hong Kong costs close to (less than) $2,000. It’s not worth to redeem Economy class, which is about $1,000 or less. That’s why I would like to know whether I can redeem Premium Economy class or not.

As long as the base ticket price is below $2,000, you should be able to redeem a premium economy flight using your RBC Rewards points.

Hi Barry, I’m totally torn between Scotia Passport and RBC AVion? Which one do you really prefer if we plan on going US visits and Asian Countries as well?

Both cards a bit different. The Scotiabank card is a good all-in-one card since it has no forex fees, but the RBC Avion has a fixed points travel chart which can be of good value. Since you’re based in Canada, Air Canada/Aeroplan cards are good for US travel thanks to the new Buddy Pass. WestJet companion vouchers can also be handy.

Barry, early thanks for answering my question. I am contemplating on utilizing approx. 111,000 Avion points for Best Western gift cards. I presume the gift cards are in Canadian funds? Travel contemplated is in the U.S. once the ban is lifted. How is the difference in currency handled by U.S. based Best Westerns?

The gift cards are only worth it if you’re getting an equal value to your RBC Avion points. E.g. 1,000 points = $10. Yes, the cards would come in CAD. If you use them outside of Canada, you would be subject to the exchange rate at the hotel which will definitely have a markup.

Avion $350 air fare fee for interprovincial travel is useless to many Canadians outside the Upper / Lower Canada belt. Many interprovincial one way tickets are $350 or more. I’ve amassed nearly a million dollars over the years on my Avion card, and travel with my family of 6, using the points. I always have to wait for airlines to post sale prices before I can use the points, because their reward amount is set too low. Its not a cheap card either. I’ve never complained, but its been the same price system for over 10 years. Hello! Inflation!

Paying the taxes on flights is also a bummer. I’ve often just bought sale priced flights with cash, because the Avion rewards taxes where close to half the flight cash amount. Didn’t see the point in wasting them.

How do I book a business class seat? We’d like to go back to Europe next year and want to fly business class. I have over 300,000 points with Avion.

Two years ago we booked two business class seats after transferring points to British Airlines, What a nightmare!

I swore that I’d move to another point card to get better service, connections, etc.

Please help.

RBC has a travel rewards portal where you’d book your flights and then redeem your points.

Aeroplan is a lot easier these days, it’s worth considering switching to a card that earns you Aeroplan points.

We have 215000 points with RBC and travel to Mexico, US and are thinking of going from Edmonton to Amsterdam and returning to Edmonton from Rome. What are the best way to use our points. Is transferring points to Westjet a better deal than buying Westjet gift cards .

To maximize your value, you should use the RBC Air Trave Redemption schedule – https://www.rbcrewards.com/#!/travel/redemptionSchedule

It’ll cost 65,000 points to get to Europe with a max ticket value of $1,300. That works out to 2 cents a point which is double the normal value.

Ad for WJD, it’s a better value to transfer your points directly instead of buying gift cards

Any luck with product switching lately and receiving the welcome bonus of 15,000 points for Avion Infinite?

Darn. Seems to still work for WJ MC. Perhaps makes sense to PS to a no AF card and then cycle back.

I recently “purchased” airline tickets using Avion points. Unfortunately I mistakenly selected the Flexible Points Pricing and as a result ended up using roughly twice as many points as would have been needed under the Fixed Points Pricing. The difference is somewhere around 35,000 points. I requested that Avion reverse this mistake but was advised that it was their policy to not allow such a change. I requested to talk to a manager, but they basically advised that this wasn’t going to happen (they told me it would take 6 weeks). Any advice.

Unfortunately, it’s unlikely they’ll reverse the charges. This happens with all points programs.

Hi Barry… I have over 1 Mil points… and on flight can I upgrade to Exec or 1st Class with my points ?? I don’t see it anywhere when i am looking at the booking … Any ideas. Thanks Mike

In the RBC Avion travel portal, you should be able to choose premium economy or business class seats for your flights.

What are the pros & cons of flex points vs flexible points booking w Avion? How do I know which we should use?

All rbc rewards and avion rewards points can be used on any travel purchase made through the RBC travel portal.

I have been reading your awesome feedback from Avion customers! I recently tried to receive information from the RBC Rewards program call centre and it was horrific – unprofessional and unknowledgeable agents, transferring me first to Expedia and then to Air Canada. They wore me down. I then went online and read reviews on the performance of the program – from what I saw, every customer who had to make a change on their travel booking experienced exactly the frustration I did.. Has this program gone down hill in recent years on their customer service assistance?

The program itself is fine, but I imagine every travel operator is experiencing customer service issues. I guess the real problem is knowing who to call. If you book travel through the Avion travel portal, technically speaking, you will go through them to make changes even if you booked an Air Canada flight.

Hi Barry, I’m unsure whether to use my avion infinite Visa card to pay a Europe bike tour purchase as the surcharge is 4 percent or pay with an e-transfer. The foreign currency rate I’m billed at was 1.49. I look forward to your response. Also, if I pay with an e-transfer will I have any travel protection? Thanks in advance! Barbara

Hey Barbara,

A 4% surcharge is quite a bit. That said, an e-transfer may come with fees too. I personally would just choose what’s cheaper. That said, if you don’t pay with your credit card, you don’t get any protection if you need to cancel your tour for a qualifying reason.

Hi Barry, Thank you for your responses. I really appreciate it! Barbara

Regarding financial rewards, more specifically applying a credit to an existing RBC mortgage: is the cash value going to be considered a lump sum payment or something else? I ask this because the options to pay down a mortgage faster are limited to double-up payments upon each scheduled payment, and one lump sum payment (aka prepayment) of up to 10% of the initial principal per year. I already used my yearly lump sum and I’m concerned that I wouldn’t be allowed to redeem my Avion points towards my mortgage or I may be allowed to do so, but I could be issued a penalty for not following the rules. I couldn’t find anything online about what the value of the points redeemed is considered to be.

Hey Stephanie,

If I had to guess, it would count as a prepayment. You’d have to call them to find out for sure.

Too old to travel. So thinking of using my Avion points to buy RBC merchandise. How can I see what is available if I don’t do any banking transactions on a computer?

You need to go to the RBC Avion website to see what items are available for redemption – https://www.avionrewards.com/index.html

On the web site that I see, the first thing that they want is your Visa number. And that is exactly why we don’t do money matters on line.

Avion Rewards is a credit card rewards program. Using your credit card number is how you log in.

Hello I redeemed 130,000 points for a flights to Barcelona from Toronto and had to cancel. What is the value of these points so that I can make a travel insurance claim

That’s a value of $1,300.

Hi Barry, Thought you might be interested in my experience being transitioned from HSBC World Elite MC to RBC Avion Visa. Since I don’t have anything that spells out the fees, conversion rate, etc. I called the RBC conversion team. They are waiving the $120 annual fee for the first year and that’s it. Although the HSBC card did not charge the 2.5% foreign conversion fee, the RBC card does. The extra points which HSBC gave for travel expenses are likewise not available with the RBC card. It seems to me that if I wanted this card I would be better off applying for it and getting the bonus. Very disappointing.

You should have received paperwork about the details of your new card. HSBC World Elite MC holders being switched the Avion Visa Infinite will still get no FX fees on their card.

You’re correct about losing the travel credit after the first year.

The Avion card is a clear downgrade, I mention a few other options in this article – https://www.theglobeandmail.com/investing/personal-finance/household-finances/article-hsbc-clients-may-not-love-their-new-rbc-credit-cards-but-rbcs-avion/

Thanks Barry. I don’t subscribe to the Globe but I assume you suggested the Scotiabank Passport Visa as an alternative. I don’t want to take up your time with all this but I applied for the Scotia card and it developed into a real mess. I’m still trying to find out what happened, currently waiting to hear back from their Escalated Customer Concern team.

I suggested a few.

The Amex Cobalt for high earn rate, Rogers Mastercard for Costco (if you use Rogers), and Platinum for high end travel benefits. If you want no FX, the Scotiabank card is indeed good, but I like the EQ Bank card cuz it has no fees.

I’ll def check into the EQ card, thanks again.

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How to book a flight with RBC Avion Rewards points

One of the options for redeeming Avion Rewards credit cards is to use your points towards airfare anywhere in the world. Here’s how this works for a fixed-point exchange .

RBC Avion Rewards Points

There are several RBC Avion Rewards credit cards. The one used for this example is the RBC Visa Infinite Avion Card .

With this offer for the RBC Avion Visa Infinite Card, you can earn 35,000 Avion points upon approval . No purchase necessary!

You can use your Avion Rewards points for travel or redeem them with other loyalty programs such as :

• American Airlines AAdvantage
• British Airways Executive Club (and Qatar Airways Privilege Club)
• Cathay Pacific Asia Miles
• WestJet Rewards

The current welcome offer, for example, gives you the equivalent of 35,000 British Airways Avios or 350 WestJet Dollars .

With the RBC Avion Visa Infinite Card, you earn 1 point per dollar and 1.25 points for travel purchases.

What’s more, you’ll benefit from a wide range of insurances: trip cancellation and interruption insurance, out-of-province or out-of-country emergency medical care insurance, collision and damage insurance for rental vehicles, and mobile device insurance.

RBC Avion Rewards points can be used to travel anywhere in the world with a round-trip ticket. A one-way trip requires half as many Avion points. Here is the airfare table for a round-trip flight:

On average this equals about 2 cents per Avion point .

How to Book an Airline Ticket with RBC Avion Rewards Points

With 35,000 Avion points, I could afford a plane ticket to Canada or the United States.

From your RBC Online Banking profile, click on the blue Avion Rewards button.

Then, on the Trips page, click on Book a Trip .

Avion Rewards acts like a travel agency. Generally, the prices are the same as the ones found on the sites of the carriers and tour operators.

Its search tool allows you to use RBC Avion Rewards points to book :

• A car rental
• Hotel stays
• Or Vacation Packages

After entering your desired dates and destinations, the results will be displayed. On the left, there is a filter for options.

In this example, the non-stop and no change fee options are selected.

35,000 points can be redeemed on a flight costing up to $750.

In this example, I have chosen a higher class. This exceeds the $750, the remaining balance is added to the taxes and fees.

In my case, the same flight cost about $1,000 on the Air Canada website. This equates to 2.14 cents per point , ($750 divided by 35,000 points) which is excellent!

On the checkout page, RBC shows the points required to book this airline ticket. Any remaining point balance can be used to reduce the tax and fee balance.

For example, 90 points were used to lower the balance by 90 cents. The rest is to be paid with a credit card.

Enter the traveler’s information and make the payment.

An email from RBC Avion Rewards will be sent moments later to confirm. A few minutes later (or a few hours for some), the airline will send confirmation in a separate email. All the details will be there, including the reservation number.

How to Manage an Airline Ticket Purchased with RBC Avion Rewards Points

The booked trip can be found in the My Trips section of the RBC Avion Rewards portal. A link redirects you to the airline’s website.

You will be able to link this reservation to your frequent flyer profile. Here I entered my Aeroplan membership number.

Since I had taken the Comfort fare on Air Canada, I was able to choose a Prefered seat at no charge. This must be done directly on the Air Canada website.

Please note that to change or cancel a flight purchased through the RBC Avion Rewards portal, you must call the RBC Travel Centre directly at 1-877-636-2870.

The airline will not be able to do anything on their end and they will refer you to RBC. Any changes have a cost of $25 for each ticket .

There is also the option to chat with a virtual agent on the RBC site in the Help section.

In addition, if you have eUpgrades with Air Canada, you have the option to apply them at check-in 24 hours prior to your flight.

When your flight is completed, points and qualifications are deposited into your account based on the fare booked.

For example, the Comfort rate booked through RBC gave :

• Aeroplan Points

This counts towards your Aeroplan Status .

Here are other ways to use RBC Avion points .

Another way to redeem RBC Avion Rewards points for travel

Occasionally, the Avion Rewards site may experience technical difficulties or your flight may not appear in the search results.

At that time, call Avion Rewards Customer Service at 1-800-769-2512.

• Get an authorization number to book the flight you want (mandatory);
• Book your own flight directly on the desired airline’s website;
• Send an e-mail to [email protected] with your authorization number obtained earlier from Customer Service, your name, the number of tickets reserved, proof of purchase and itinerary details.

Avion Rewards will then deduct the required points from your RBC Rewards points account to credit the cost of your airline tickets, according to their airfare table.

All posts by Caroline Tremblay

Suggested Reading

Sign In to Avion Rewards

Sign in with:

If you have a personal credit card or deposit account, you need to enrol in RBC Online Banking to enjoy Avion Rewards. It’s easy and secure.

Avion Rewards members can have it all

You’ve got points 1 , cash back and savings – all in one program.

Points, cash back, and savings – all in one program.

Shop smarter with Avion Rewards

Enjoy more ways to shop, save and earn everywhere, every day.

Deals from over 2,000 brands

Get special prices AND earn points on your favourite brands.

Take that dream vacation

Flights, hotels, cars and more – they’re all yours 2 .

Pay with points

Use your points 2 to shop Apple, Best Buy, gift cards, home decor, sports gear and more.

Do more with points

From bills to investments to charitable giving, use your points 2 for what matters most.

Deals at over 2,400 retailers

Get up to 40% cash back 1

Earn money back in your pocket with the Avion Rewards ShopPlus browser extension.

Flights, hotels, cars and cruises – they’re all yours 2 .

Let ShopPlus find the savings for you

Shop more savvy with the ShopPlus browser extension. You do the shopping, we do the searching. Avion Rewards ShopPlus is available for desktop and mobile iOS users – and it’s free! 

Get the app and you can get it all on the go

Savings, cash back, offers and points– all in your pocket. Get the Avion Rewards app and never miss a deal.

Download the app

Power up your rewards with our partners

and an RBC credit or debit card

Save 3¢/L instantly at the pump

Plus get 20% more Petro-Points & Avion points

Get 5x more Be Well points

Earn faster, save more every time

Get up to 10% back

Save on DIYs, renos and more

Enjoy $0 delivery fees

Get a free DashPass and save up to $120

5 stars for Avion Rewards

Don’t just take our word for it – let the rest of the Avion Rewards family do the talking!

“So easy to use. Works on Canadian stores. WHAT?! Amazing.”

“Amazed with the offers … lots of options to choose from”

“Absolutely fantastic… Great job RBC. As always, the best experience from the #1 Canadian bank.”

I just booked a weekend trip to Montreal through the app. I was able to find what I was looking for in the travel section!

I recently bought a pair of sneakers through the app's Shop the Web section. I found a good deal and earned some cashback!

Join the millions of people already shopping and saving with Avion Rewards

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Cash back percentage varies by brand and is subject to change.

Not all rewards are available for all members.

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Clients will only be able to link up to two (2) Business Credit Cards and one Business Debit Card to a Petro-Points card.

Any/every/your card means an RBC Card that is linked to a Petro-Points card. A linked RBC Member means you have an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”) that is linked to a Petro-Points card.

You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. Your Linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your Linked RBC card at Petro-Canada Locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card.

Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your Linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at https://www.petro-canada.ca/en/personal/terms-and-conditions#petropoints .

Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card.

Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments.

You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions .

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that Rexall / McKesson Canada Corporation may specify from time to time or where prohibited by law.

To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before July 5, 2023 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions (opens in a new window)

Existing Cardholders: Get 10% in statement credits on your first $250 of qualifying purchases, and 5% in statement credits on your next $1,250 of qualifying purchases, after taxes and shipping, when you pay with your eligible RBC debit or credit card from now until July 31, 2023 (“Offer Period”) at participating RONA stores and online. No minimum spend required. Statement credits limited to the first $1,500 of total spend during the Offer Period. This offer is not transferable. To take advantage of this offer, you must activate the offer by clicking the “Load Offer” button in RBC Online Banking before you make your purchase.

Once the offer has been activated you will receive a Statement Credit, calculated on the final price of your Qualifying Purchases after taxes and shipping fees at participating RONA stores in Canada and https://www.rona.ca/ Qualifying Purchase made during the Offer Period with any RBC Royal Bank personal debit or credit card, other than an RBC US Dollar Visa card, (“Eligible RBC Card”) to receive:

• 10% in statement credits on the first $250 spent on Qualifying Purchases, and
• 5% in statement credits on the next $1250 spent on Qualifying Purchases (i.e., spend between $250.01 - $1,500)

(collectively, Statement Credits”).

There is no minimum spend required. Statement Credits are limited to the first $1,500 of total Qualifying Purchases during the Offer Period. Qualifying Purchases exclude payments made through PayPal for online orders, payments by Gift Cards and purchases of items that are out of stock and/or not ready for shipping within the Offer Period.

Please allow up to 30 days from transaction, provided your debit or credit card account was in good standing at that time, for the Statement Credit to appear on the account statement tied to your Eligible RBC Card. Please note that if you paid for your Qualifying Purchase using an Eligible RBC Card that is a credit card, the Statement Credit will not be applied as a payment towards the balance of your credit card account.

This offer may be combined or used in conjunction with any other offers, but cannot be applied retroactively to previous purchases. Returns or price adjustments of your Qualifying Purchase may cancel your Statement Credit.

“Qualifying Purchase” is the final price of your purchases after taxes and shipping fees at participating RONA stores in Canada and https://www.rona.ca/ , but exclude payments made through PayPal for online orders, payments by Gift Cards, and purchases of items that are out of stock and/or not ready for shipping within the Offer Period.

RONA inc., not Royal Bank of Canada (“RBC”), is responsible for the sales, returns and shipping terms and conditions applicable to your Qualifying Purchase. RBC reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it.

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Telephone Banking +800-0-769-2511

Online/Mobile Banking Technical Support +800-0-769-2555

Credit Cards +800-0-769-2512

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Telephone Banking 506-864-2275

Online/Mobile Banking Technical Support 506-864-1555

Credit Cards 416-974-7780

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Participating countries or regions and corresponding International Access Codes:

† Please note for Finland, Japan, and South Korea the International Access Code depends on the telephone service provider.

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Rack up the points, stack up the benefits

THE REWARDS ARE IN YOUR FAVOR

All new Club Royale® members start out in this tier. Choice members can earn points that can be used towards FreePlay in the Casino and other onboard perks. Members receive exclusive offers, and access to special events and promotions. 

Once you hit 2,500 points, you've reached Prime status which unlocks new perks like a waived casino convenience fee, drinks on us at Casino Royale℠, discounts on VOOM® high speed internet packages, exclusive rates for family and friends, and a complimentary interior stateroom on one cruise each year.

At 25,000 points, you’re considered a Signature member. At this level, you can add free WiFi for one device, a $350 EFFY boutique credit and a complimentary balcony stateroom on one cruise each year to your list of Club Royale® benefits, in addition to all the other perks you’ve stacked up.

Lucky you — with 100,000 points, you’ve reached Masters status. As a member of the highest tier, you’ll enjoy our most exclusive benefits, including a Welcome lunch, access to Coastal Kitchen, onboard credit to use at any way you choose, and a complimentary Grand Suite on one cruise each year.

VIP treatment from your stateroom to the casino floor

BIG PERKS FOR EVERY PLAYER

As a Club Royale® member, each roll of the dice at Casino Royale℠ is a chance to rack up rewards. In this program, the more tier points you earn, the more benefits you can access. Move up the ranks by playing your favorite casino games, and unlock exclusive perks to take your vacation to the next level. 

TURN YOUR POINTS INTO PAYOUTS

Use your points toward FreePlay in the casino, or convert them into onboard credit you can use toward purchases on your casino cruise, like spa treatments, specialty dining and more.  

THE ALL-IN ADVANTAGE

Enjoy members-only benefits like complimentary drinks at Casino Royale℠, discounts on WiFi packages, priority check-in and more, depending on your tier status.

DOUBLE DOWN ON PERKS

Take advantage of exclusive cruise-planning perks like discounted rates for family and friends, special offers with land-based casinos and even an annual complimentary cruise.

• Slot Machines – Earn 1 point for every $5 you play on a reel slot machine or $10 on a video poker machine.
• Table Games – Earning points is based on the type of table game you are playing, your average bet and how long you play.
• Certain games are not eligible for point earning such as Texas Hold'em Poker, Keymaster, Cash Crane and coin pushers.

Your Guide To Every Neighborhood On The Oasis Class Ships

10 Best Luxury and Standard Staterooms

Cruise To Your Next All-Inclusive Vacation

View Club Royale Terms & Conditions

IMPORTANT UPDATE:

Effective July 1, 2023, Royal Caribbean Cruise Lines will no longer accept gaming chips from Sovereign of the Seas®, Empress of the Seas®, Monarch of the Seas®, Majesty of the Seas®, Legend of the Seas® and Splendor of the Seas®.

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Join Today for Free Nights, Our Best Rates, and More

Every stay is an opportunity for members to earn more. Even better: Sonesta Travel Pass makes it faster for your reward points to get you where you’re going next. Join now and earn points and receive perks on your very first stay.

Earn Free Nights

As a Sonesta Travel Pass member, you'll earn reward points towards free nights on your very first stay. Even better: Sonesta Travel Pass makes it faster for your reward points to get you where you’re going next.

Save More. Every Time.

Sonesta Travel Pass members always enjoy our best rates. Book the Sonesta Travel Pass Member Rate and receive perks on your very first stay.

Tier Bonus Multipliers

Sonesta Travel Pass makes achieving a higher tier status faster than ever. Join now to start upgrading your stay today.

Start Redeeming

Redeeming points for free stays is now as easy as 1, 2, 3!

Members Receive More

Our best rates are just the start. Members enjoy premium Wi-Fi, free continental breakfast, free room upgrades, early check-ins, late checkouts, and more—plus, chances to multiply points.

Member Deals & Offers

Make the most of Sonesta Travel Pass and check out exclusive deals just for our members.

Many Thanks to Our Members!

Sonesta Travel Pass earned a USA Today’s 10 Best Readers’ Choice 2023 award for Best Hotel Loyalty Program. For six straight years, our members have ranked us highly among our peers. Here’s to Year 7 and beyond.

Looking for more information about Events at Sea? Click here.

MEETINGS & INCENTIVES

THE ULTIMATE EVENT DESTINATION

Royal Incentive Rewards

• Onboard Experience
• Event Customization
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• Individual Rewards
• Planning Tools

ROYAL INCENTIVE REWARDS

Individual cruise certificate program.

Recognize, Inspire, Motivate with an unforgettable reward!

What an amazing way to tell someone you value their loyalty, productivity or achievement. Reward them with a Royal Caribbean cruise certificate! Extraordinary onboard experience, delectable dining, luxurious accommodations, coupled with a selection of itinerary choices to some of the world’s most popular and beautiful destinations.

Here are six great reasons why a Royal Caribbean cruise certificate is the perfect individual incentive reward:

The rewards program is turnkey, so we look after the fulfillment and redemption.

Personalized

We offer a wide variety of certificates – something for every budget!

There is no minimum or maximum purchase of certificates required.

There’s no expiration date – your certificate will always hold its value.

Customizable

Certificates are fully transferrable and upgradable.

All-inclusive

Everything is included, from accommodations to dining to activities.

ADD ROYAL CRUISE DOLLARS FOR AN EVEN BIGGER BONUS

Every Royal Incentive Rewards Certificate comes with the option to add Royal Cruise Dollars. You choose the amount. They spend on special extras that will make their cruise vacation even more enjoyable.

See how easy it is to motivate and inspire with the Royal Incentive Rewards program.

Pricing Chart

Recognizes individuality, and rewards it accordingly. Individual incentive travel gives recipients the freedom to go where they want, when they want and with whomever they want.

Sample Certificate

Individual Cruise Certificates are the perfect way to recognize outstanding performance.

Make the Experience More Rewarding with Royal Cruise Dollars

Add Royal Cruise Dollars to a Royal Incentive Rewards Certificate. You choose the amount. These dollars can be used in any number of ways.

Purchase Royal Incentive Rewards Cruise Certificates:

Find your perfect venue, frequently asked questions.

Have a question? Let us help you get started planning:

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Travel insurance

To apply for a packaged account you must be an existing current account customer..

Our Travel Insurance policies are underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

On this page 

What's travel insurance?

Travel insurance is financial protection against unforeseen circumstances while you’re travelling or on holiday. Depending on your level of cover it can protect you, your trip and your property such as medical care, cancelled flights or lost luggage.

Our policies:

• Include winter sports cover
• Include COVID-19 cover
• Have the option of cover for over 70s
• Can have cover for many pre-existing medical conditions added

We offer travel insurance with our packaged bank accounts

These are only available to existing Royal Bank current account customers.

Which bank accounts come with travel insurance?

Our Silver bank accounts come with European travel insurance.

Our Platinum and Black bank accounts come with Worldwide travel insurance.

Do I legally need travel insurance?

No, you are not legally required to have travel insurance however it is a good idea.

Some tour operators may insist that you have travel insurance before they confirm your booking, especially to countries like the USA where there’s no public health service.

Why is travel insurance important?

If you have travel insurance, depending on your policy, it could cover the costs of unforeseen incidents such as health emergencies, cancelled flights or missing luggage.

Not sure a packaged account is for you?

 View our full  range of accounts , including accounts with no monthly fee.

Who is covered by my travel insurance?

For both Platinum and Black account customers, family cover is included. This provides cover for you, your partner, and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.

For Silver account customers, only you and any joint account holder is covered.

What does travel insurance cover me for?

We have a range of cover across our packaged bank accounts. Please see the policy terms for full details and exclusions. 

Cover for your trip

• Cancelling your trip (before you are due to start your trip)
• Delayed or missed departure (on the day you are travelling) 
• Cutting your trip short (after your trip has started)

Cover for you

• Emergency medical costs (such as illness, injury or quarantine)
• Personal accident (such as an accidental injury)
• Personal liability (if you become legally liable for an accident)
• Legal costs 

Cover for your property

• Baggage (lost, stolen or accidentally damaged)
• Delayed baggage (essential replacement of toiletries, medication or clothing)
• Personal money (lost or stolen)
• Lost Passport or Driving Licence (reasonable travel, accommodation and administration costs)
• Winter sports cover 

Over 70 or have pre-existing medical conditions?

If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to purchase an age extension upgrade, where there will be a £75 annual premium per person aged 70 or over.

Pre-existing medical conditions won’t be covered. You may have to pay extra for this, or you may find that your condition cannot be covered.

To find out if you can extend your travel insurance to include cover for someone over 70, or with a new or existing medical condition, please sign in to  Membership Services  and complete the online form.

You can contact us to discuss:

For new or existing customers, you can call us on:

 Silver : 0345 607 5154 (Relay UK 18001 0345 607 5154) Overseas: +44 2392 666 062 Platinum : 0345 609 0456 (Relay UK 18001 0345 609 0456) Overseas: +44 2392 668 827 Black : 0345 266 8801 (Relay UK 18001 0345 266 8801) Overseas: +44 2392 668 814

What if Allianz Assistance are unable to offer me an upgrade?

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777. Monday to Friday, 8am to 6pm | Saturday, Sunday, and Bank Holidays, closed

Travel Insurance Terms

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

• Platinum Travel Insurance Terms (PDF, 446 KB)
• Black Travel Insurance Terms (PDF, 405 KB)

Types of cover included with our bank accounts

Worldwide travel insurance

If you’re looking for Worldwide or Family travel insurance, we offer cover built in to our Platinum and Black accounts.

Reward Platinum and Select Platinum account

Family travel insurance for trips in the UK and worldwide up to 31 days, including winter sports.

• Includes emergency medical expenses, cancellations, baggage and more.
• Cover for you, your partner, and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.
• COVID-19 cover.

Are you an existing customer?  To see your full list of account benefits:

Manage your Reward Platinum

Manage your Select Platinum

To apply for a Reward Platinum you must be an existing Royal Bank current account customer. £20 monthly fee. Select Platinum can't be applied for.

Reward Black and Black account

Family travel insurance for trips in the UK and worldwide up to 90 days, including 31 days for winter sports.

• Includes medical expenses cover, cancellations, baggage and more.

Are you an existing Premier customer?   Manage your benefits .

To apply for a Reward Black you must be an existing Royal Bank current account customer and meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. £31 monthly fee. Black account can't be applied for.

European travel insurance

If you’re looking for European travel insurance, we offer cover built in to our Silver accounts.

Reward Silver and Select Silver accounts

You’re covered for 22 days per trip for UK and European travel, including winter sports.

• Only you and any joint account holder will be covered.

Are you an existing customer?  To view your full account benefits:

Manage your Reward Silver

Manage your Select Silver

To apply for a Reward Silver you must be an existing Royal Bank current account customer. £10 monthly fee. Select Silver can't be applied for.

Make a claim online

To make a travel insurance claim online log in to Membership Services and complete the online form. Membership Services is where you can manage all of your account benefits, if you've not logged in before you'll need to sign up. 

Or you can call us

Silver : 0345 607 5154 (Relay UK 18001 0345 607 5154) Overseas: +44 2392 666 062 Platinum : 0345 609 0456 (Relay UK 18001 0345 609 0456) Overseas: +44 2392 668 827 Black : 0345 266 8801 (Relay UK 18001 0345 266 8801) Overseas: +44 2392 668 814

Common questions about our travel insurance

How can i get a copy of my travel insurance policy.

You can get a copy of your travel insurance terms here:

Silver Travel Insurance Terms (PDF 687KB) .

Platinum Travel Insurance Terms (PDF 717KB)

Black Account Travel Insurance Terms (PDF 895KB)

Do I need to register for travel insurance?

You don't need to register, you're automatically covered.

If you would like to extend your cover to include pre-existing medical conditions or are aged 70 and over, please call us. We may ask you to pay an additional premium or we may not cover your condition.

Do I need to let you know my travel plans?

You don't need to let us know when you are going abroad. Your travel insurance automatically applies if you have a Silver, Platinum, or Black bank account.

Our fraud monitoring services will secure and monitor your debit card activity the same way as it does within the UK so you can travel freely without having to notify us.

However, we understand you might still like to register your travel plans and for that reason we have kept the option for you to do so on the mobile app.

Steps to register your travel plans for your debit card:

• All you need to do is tap on your account from the main page and go to 'Manage my card'.
• Tap 'Going abroad' then 'Add trip' (iOS devices) or 'Register card' (Android devices) and follow the instructions on screen.

What is my travel insurance policy number?

Your policy number is your sort code followed by your account number. 

This is also shown on the Certificate of Insurance that you can download or request by calling us.

Any upgrades you purchase will have their own unique policy ID which is shown in the confirmation email.

What cover does our travel insurance provide for COVID-19?

Your policy provides cover for the following situations related to COVID-19 as long as the Foreign, Commonwealth & Development Office (FCDO) aren't advising against "all travel" or "all but essential travel" to your destination. 

Cutting short a trip due to:

•  A change in FCDO advice, as long as you weren’t aware of this advice when you travelled. 
• Being unable to stay in pre-booked accommodation due to COVID-19 or another pandemic, as long as you weren’t aware of this when you travelled.

Cancelling a trip due to:

• You or any insured person, close relative or travelling companion being diagnosed with COVID-19 or another pandemic disease.
• Quarantine (as an individual and not broadly as part or all of a population, vessel or geographical area).
• The FCDO advising against 'all' or 'all but essential' travel due to COVID-19 or another pandemic, if not known at the time of booking
• You being refused boarding onto your booked public transport due to displaying symptoms of COVID-19 or another epidemic or pandemic.

Other ways we can help you while abroad

Spending abroad.

A guide to using your card abroad and important fee information.

Currency card calculator

Use our calculator to view your conversion rates and charges.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

Something else we can help you with?