Pros & Cons
Pros
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Rewards
All Spending
1x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$300
$/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$300
incl. welcome bonus
Annual rewards breakdown
Groceries$8,400/yr × 1.00%$84
Gas & EV$2,400/yr × 1.00%$24
Transit$1,200/yr × 1.00%$12
Restaurants$3,600/yr × 1.00%$36
Pharmacy$600/yr × 1.00%$6
Travel$1,800/yr × 1.00%$18
Bills & recurring payments$3,000/yr × 1.00%$30
Telecom$1,800/yr × 1.00%$18
Entertainment & streaming$1,200/yr × 1.00%$12
All other spending$6,000/yr × 1.00%$60
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1.00%
Total cashback earned$300
Purchase Protection
✓
Purchase Protection
Included
✓
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- 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.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 RBC. All trademarks are property of their respective owners.