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RBC Rewards+ Visa review

Earn points while shopping and waive the annual fee with the RBC Rewards+ Visa.

The RBC Rewards+ Visa Card gives you points for every dollar you spend. Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.

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19.99%

Purchase Interest Rate

$0

Annual Fee

Whether you’re shopping for groceries, visiting a drug store or filling up on gas, the RBC Rewards+ Visa gives you points for every dollar you spend. Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases, and 1 RBC Rewards point for every $2 spent on all other purchases. Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.

Find out if the RBC Rewards+ Visa is right for you.

30-second take

  • Consider getting this card if you use a credit card for everyday necessities and want to earn points for every dollar you spend.
  • Choose something else if you’re shopping for a card with low interest rates.
  • Primary cardholders and each additional card on your account have zero annual fees.

The basics

The RBC Rewards+ Visa card is ideal for people who use their credit card for everyday purchases. If you switch over to this card, you will Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.

The card offers several perks for primary cardholders, including the ability to earn extra points for going digital and instant fuel savings at Petro-Canada gas stations. Optional extras like balance protector insurance, road assist, identity protection and travel insurance are also available.

The perks

  • Welcome bonus. Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.
  • Rewards. Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases, and 1 RBC Rewards point for every $2 spent on all other purchases.
  • Earning opportunity. The RBC Rewards+ Visa matches all your purchases at gas, grocery and drug stores one for one.
  • No annual fees. Unlike most credit cards, this one has zero annual fees.
  • Instant fuel savings. The card lets you instantly save three cents per litre on fuel at any Petro-Canada location. If you link your card to Petro-Canada, you'll save 3 cents per litre on fuel and earn 20% more Petro-Points. You'll also be able to earn 50 Be Well points at Rexall for every $1 spent and redeem 25,000 Be Well points for $10. Plus, for 3 months you'll get $0 delivery fees at DoorDash.
  • Easy application. Getting approved for an RBC Rewards+ Visa can be done in five simple steps online.

What to watch out for

  • High interest rate. Despite boasting no annual fees, the card carries high industry standard interest rates for purchases (19.99%) and cash advances (22.99%).
  • Fewer points for other purchases. This RBC card is a great option for grocery stores and gas stations but offers only half the points at other locations.

What should I know before I apply?

How to apply

  1. Click the green ‘Go to site’ button above.
  2. Fill out the standard credit card application, which should take five minutes to complete.

Bottom line on RBC Rewards+ Visa

If you’re looking for a no fee credit card that gives you rewards on items you purchase every day, the RBC Rewards+ Visa is a good option. You can easily bank an extra 3,500 bonus points just by going paperless. Any additional card on the account also carries a zero annual fee. Keep in mind that you will be paying standard interest rates on all purchases and cash advances.

Compare the RBC Rewards+ Visa with other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
N/A
Up to 2% cash back
19.99%
$0
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
Scotiabank Passport Visa Infinite Card
35,000 points
Up to 2 points per $1 spent
19.99%
$139
Min. recommended credit score: 750
Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel). Apply by July 4, 2022.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn an extra 10% cash back (up to $100) on up to $1,000 of everyday purchases in the first 2 months Until May 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
Simplii Financial Cash Back Visa Card
10% cash back
Up to 4% cash back
9.99% intro APR for the first 6 months, 19.99% thereafter
$0
Min. recommended credit score: 650
Get 10% bonus cash back at eligible restaurants and bars for the first 4 months (up to $500 spend). Plus, get a 9.99% introductory annual interest rate on purchases for the first 6 months.
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
19.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by September 16, 2022.
Scotiabank SCENE Visa Card
5,000 points
Up to 5 points per $1 spent
19.99%
$0
Min. recommended credit score: 660
Earn 5,000 bonus Scene+ points when you spend a minimum of $750 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by August 31, 2022.
OFFER
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn an extra 10% cash back (up to $100) on up to $1,000 of everyday purchases in the first 2 months Until May 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
EXCLUSIVE
Neo Financial Mastercard
Get $25.00
Average 5% cash back
19.99% - 24.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 1% cashback guaranteed.
RBC Rewards+ Visa
3,500
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 650
Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.
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Frequently asked questions about the RBC Rewards+ Visa

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