Pros & Cons
Pros
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Rewards
All Spending
0.5x
pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
¢/ point
0.50¢3¢
Points Earned
15,000
pts/yr
Estimated Value
$150
After Fees
+$150
1st Year Value
$150
incl. welcome bonus
Annual rewards breakdown
Groceries$8,400/yr × 0.5x4,200 pts
Gas & EV$2,400/yr × 0.5x1,200 pts
Transit$1,200/yr × 0.5x600 pts
Restaurants$3,600/yr × 0.5x1,800 pts
Pharmacy$600/yr × 0.5x300 pts
Travel$1,800/yr × 0.5x900 pts
Bills & recurring payments$3,000/yr × 0.5x1,500 pts
Telecom$1,800/yr × 0.5x900 pts
Entertainment & streaming$1,200/yr × 0.5x600 pts
All other spending$6,000/yr × 0.5x3,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.5x
Total points earned15,000 pts
Value of accumulated points≈ $150
Purchase Protection
✓
Purchase Protection
Included
✓
Extended Warranty
+1 year(s)
Terms & Conditions
Card Features
- Earn 1 RBC Rewards point for every $2 in net purchases charged to your card
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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.