Card Details
Based on $2,000 spending
First Year Value
$483.94
$228.94 in years after
Annual Rewards
$393.94
Avios
First Year Bonus
$255
Avios
Annual Fee
$165
First Year Value
$483.94
$228.94 in years after
Interest Rates
Purchase: 20.50%
Cash Advance: 22.99% (for Quebec 21.99%)
Balance Transfer: 22.99%
Annual Fee
$165
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
Welcome Bonus
15,000 Avios points upon approval. To receive the additional 35,000 Avios points, (i) a total of $6,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions must be posted to your Credit Card Account within the first 3 months of your Credit Card Account opening date.
Our Rating
3/5
Institution
RBC
Rewards
- 3x Avios points per $1 CAD you spend on British Airways purchases
- 2x Avios points per $1 CAD you spend on dining
- 1x Avios point per $1 CAD you spend on all other qualifying purchases
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
31 days
Emergency Medical Over 65
7 days
Travel Accident
$500,000
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Car Rental Damage & Theft
yes
Flight Delay
$500
Baggage Delay
$500
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Benefits
Details
Companion Voucher
Receive a Companion Award eVoucher when you spend $30,000 or more in any calendar year
Discount
Enjoy 10% off British Airways flights when you book and pay with your card
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Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Pros & Cons
Pros
- Generous welcome bonus: Up to 60,000 Avios can translate to $1070 in travel value.
- Triple Avios on British Airways flights, making it ideal for frequent travelers.
- 10% discount on British Airways flights.
- Companion Award eVoucher: Great value for frequent British Airways flyers.
- 9 types of insurance included, such as travel accident, flight delay, and rental car insurance.
- 3 cents per litre savings at Petro-Canada with linked cards.
Cons
- High income requirements: Must have either $60,000 personal or $100,000 household income to qualify.
- Limited flexibility: Avios can only be used with British Airways and oneworld alliance airlines, limiting options for domestic or non-alliance travel.
- Companion Voucher requires $30,000 in annual spending, which may not be accessible for all cardholders.