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How To Maximize The RBC Rewards Program


We're taking a deep dive into the world of journey rewards program as soon as once more, this time specializing in the RBC Rewards program.

RBC Rewards not solely has the usual choice of utilizing your factors to e book for any journey, however you probably have an RBC Avion card you even have entry to a flight redemption chart and the flexibility to switch to a number of airline packages.

Nevertheless, to get essentially the most out of this program, it’s important to know the most effective methods to make use of your factors, and have the fitting bank cards to entry the most effective journey choices.

So, let’s check out the most effective methods to maximise the RBC Rewards program.

Associated: Your Information To Large 5 Financial institution Rewards Applications

RBC Rewards at a look

Calculating the RBC Rewards level worth

With regards to redeeming your factors, there's a mess of choices at your disposal.

With RBC, nevertheless, what you possibly can redeem your factors for is dependent upon the cardboard you will have – a regular RBC Rewards bank card or an RBC Avion bank card.

Redeem RBC Rewards for journey: 1 CPP

As with most factors packages, you'll get the most effective worth on your factors once you redeem for journey.

These factors may be redeemed for any sort of journey via the RBC Rewards website.

100 factors gives you a $ 1 low cost, a worth of 1 cent per level.

Sadly, RBC doesn't provide the choice to e book any journey you want after which apply your rewards in the direction of your buy afterwards, nor do they provide worth matching.

Redeem RBC Avion Rewards for journey: 2.33 CPP

With regards to redeeming for journey, the sting positively goes to the Avion playing cards.

As a result of you probably have an Avion card, along with having the ability to e book any sort of journey, you should utilize your factors via the Air Journey Redemption Schedule – a set quantity of factors to fly to a set area.

If the bottom ticket worth is greater than the utmost ticket worth, you should utilize further factors to cowl the flight, the place each 100 factors redeemed gives you an extra $ 1 off.

Maximizing this chart may give you a worth of 2.33 cents per level, supplying you with the most effective worth on your factors.

Kind of flights Factors required Max ticket worth Max Level Worth
Brief-haul Canada & US (between neighboring provinces & states) 15,000 $ 350 2.33 cents
Lengthy-haul Canada & US (not together with Alaska & Hawaii) 35,000 $ 750 2.1 cents
Western Canada to Mexico, Alaska, Hawaii, Caribbean & Central America 45,000 $ 900 2 cents
Japanese Canada to Mexico, Alaska, Hawaii, Caribbean & Central America 55,000 1,100 2 cents
Europe (should journey from a serious gateway in Canada & US) 65,000 $ 1,300 2 cents
Remainder of the world (should journey from a serious gateway in Canada & US) 100,000 $ 2,000 2 cents

Some downsides:

  • the ticket worth within the desk solely covers the bottom airfare, that means you’ll need to pay taxes, charges, and provider surcharges. Nevertheless, you should utilize your factors to pay for these – 1 level = 1 cent,
  • it’s important to e book at the very least 14 days prematurely.

Switch RBC Avion Rewards: 1.75 CPP

Avioners have the choice to switch factors to three different airways – all a part of oneworld alliance.

The primary is British Airways Govt Membership. Every RBC factors is price 1 Avios, and it’s important to switch a minimal of 10,000 factors at a time. We worth an Avios at 1.75 cents, giving your RBC Rewards factors the identical worth.

The second is to switch your factors to Cathay Pacific Asia Miles, the place the switch charge and level valuation for British Airways additionally applies.

The final switch choice is to American Airways AAdvantage, the place 10 RBC factors gives you 7 AAdvantage miles. You’ll have the identical choices as with the opposite 2 companions. Nevertheless, because you're getting much less Benefit miles, this provides an RBC level worth of roughly 1.Three cents.

RBC Rewards switch ring: 1 CPP

With RBC Rewards, you're additionally given the choice to switch your factors to pick out companions.

Switch RBC Rewards to WestJet Rewards: 1 CPP

All RBC Rewards bank cards mean you can switch your factors to WestJet.

100 factors = 1 WestJet greenback, a worth of 1 cent per level, which you should utilize to assist pay for any flights and trip packages at westjet.com.

Switch RBC Rewards to Hudson’s Bay: 1 CPP

You can too convert your factors to Hudson’s Bay Rewards.

Switch anyplace from 500 to 1,000 factors without delay, you'll get double that quantity in Hudson’s Bay factors.

Since a Hudson’s Bay level is price 0.5 cents, you’ll get double that – a worth of 1 cent.

You can too switch factors the other approach, and 40 Hudson’s Bay factors gives you 10 RBC Rewards factors.

Different redemption choices

Helpful journey and transferring to companions aren't the one methods to redeem your rewards, nevertheless.

Redeem RBC Rewards for merchandise: 0.87 CPP

If you wish to use your factors to attain free merchandise, RBC Rewards has a big choice, one of many largest of some other rewards program. We checked a variety of completely different merchandise and got here to a mean level worth of 0.87 cents.

RBC Rewards additionally has a portal to make use of your factors at Apple and Finest Purchase. The objects we surveyed all had the identical level worth of 0.65 cents, nevertheless your factors gained’t cowl taxes.

Merchandise Factors required Worth with tax Level worth
Mirari MyPad 3,200 $ 47 1.48
Brother Granite Cement Mixer 8,933 $ 113 1.26
Logitech MK850 Efficiency Wi-fi Keyboard / Mouse Combo 14.560 $ 147 1.01
Hamilton Seashore Durathon Iron 4,814 $ 45 0.94
Cuisinart Cordless Double Wall Jug Kettle 9.920 $ 93 0.93
Philips Hue Wi-fi Dimmer Swap Equipment 5,878 $ 51 0.87
Sony Moveable Wi-fi Bluetooth Speaker 15.952 $ 136 0.85
Activision Name of Obligation Black Ops 4 – Xbox One 11.160 $ 90 0.81
Keurig Okay35 Basic Brewing System 16.800 $ 136 0.81
Samsung Galaxy Watch 42mm Smartwatch with Coronary heart Price Monitor 60.160 $ 407 0.68
13-inch MacBook Air – 128gb * 230.615 $ 1,499 0.65
iPad Wi-Fi 32GB * 66,000 $ 429 0.65
Skyrim: Particular Version (Xbox One) * 7,691 $ 50 0.65
Samsung Sound + Slim Soundbar 93,600 $ 565 0.60

Worth as discovered on google, with 13% gross sales tax added.
* Denotes merchandise discovered at Apple and Finest Purchase portals. Worth doesn’t embrace gross sales tax.

Redeem RBC Rewards for present playing cards: 0.72 CPP

When redeeming RBC Rewards for present playing cards, all of them supply the identical valuation, irrespective of how large or small. Every level is price 0.71 cents.

Bonus: Redeem for Hudson’s Bay present playing cards and obtain some bonus factors – for each $ 25 you speak, you’ll get 50 bonus RBC factors. This boosts your level worth by 0.1 cents.

Redeem RBC Rewards for monetary merchandise: 0.83 CPP

You can too use your factors to get RBC Monetary Rewards vouchers to make use of for:

  • including to your present investments,
  • mortgage funds, and
  • funds to traces of credit score.

A minimal redemption of 12,000 factors is required, which gives you a $ 100 voucher. This offers you some extent worth of 0.83 cents.

Redeem RBC Rewards for assertion credit: 0.58 CPP

In the event you're hoping to take a chunk out of your bank card invoice, you possibly can redeem your factors for a press release credit score.

17,200 factors gives you a $ 100 assertion credit score, which provides some extent worth of 0.58 cents.

Redeem RBC Rewards for Charity: 1 CPP

Utilizing your factors for charitable donations is a good choice you probably have some further factors mendacity round and also you're unsure what to make use of them for.

Listed below are the charities at the moment out there on the time of writing:

  • Hope Air,
  • Personal the rostrum,
  • Ronald McDonald Home Charities, and
  • The David Foster Basis.

Each level you donate is price 1 cent, and as an added bonus, you'll get a tax receipt on your donation.

RBC Rewards bank cards

Moreover transferring HBC factors, the one different technique to earn RBC Rewards factors is with a bank card.

RBC has all kinds of bank cards that may earn RBC Rewards.

One factor all of them have in frequent is that you just’ll get an immediate low cost of three cents per liter when getting gas at Petro-Canada stations, plus a 20% Petro Factors bonus. It's an effective way to get some immediate fuel financial savings.

Right here’s an summary of RBC Rewards playing cards, and a substitute for think about.

Associated: Finest Journey Credit score Playing cards In Canada

RBC Avion Visa bank cards

If you wish to get essentially the most out of the RBC Rewards program, a premium RBC Avion bank card is the way in which to go.

RBC Avion Visa Infinite Privilege

The will give you essentially the most factors on your spending – 1.25 for each greenback and a 25,000 level welcome bonus. Plus, it comes with an excellent host of Visa Infinite Privileges and a terrific insurance coverage package deal.
All for its $ 399 annual price and family earnings necessities of $ 200,000.

Different to contemplate:

RBC Visa Infinite Avion

The earns 1 level for each greenback spent. For a decrease annual price of $ 120, and earnings necessities of both $ 60,000 private or $ 100,000 family, you'll nonetheless get an excellent insurance coverage package deal and a welcome bonus of 15,000 factors.

Different to contemplate:

RBC Visa Platinum Avion

The is almost equivalent, however is a good choice when you don’t meet the above earnings necessities.

Different to contemplate:

RBC Rewards Visa bank cards

Trying to acquire RBC Rewards however need decrease annual charges and earnings necessities? These are the playing cards that fill the invoice.

RBC Rewards Visa Most popular

For an annual price of $ 110, the presents the flexibility to gather 1 level for each greenback you spend. The very best half? It comes with an insurance coverage package deal that’s practically equivalent to the .

Different to contemplate:

Signature RBC Rewards Visa

The presents you 1 level for each greenback you spend. Nevertheless, as a result of it's a low price card, $ 39 yearly, it has restricted insurance coverage.

Different to contemplate:

RBC Rewards + Visa

Lastly, if a no price card is what you're after, the suits the invoice. You’ll earn 1 level for each $ 1 spent on fuel, groceries, and drugstore purchases, and 1 level for each $ 2 spent in all places else.

Different to contemplate:

RBC U.S. Greenback visa

In the event you're in search of a U.S. Greenback bank card, the is without doubt one of the few that earns rewards for your entire purchases – 1 level for each U.S. $ 1 spent.

Different to contemplate:

RBC Rewards Enterprise Visa bank cards

RBC additionally provides you the choice to earn RBC factors on your entire enterprise purchases. If that is one thing you're fascinated with, think about considered one of these playing cards:

  • RBC Visa CreditLine for Small Enterprise

FAQ

Listed below are some frequent questions and solutions in regards to the RBC Rewards program.

How versatile are these rewards?

These are very versatile rewards. Redeem for any journey you want, switch to airline companions, switch to a retail accomplice, and redeem for merchandise, monetary merchandise and even assertion credit.

Are there blackout dates?

No, there are not any blackout dates.

Do these rewards expire?

No, supplied your account is in good standing. In the event you shut your account, you will have 60 days to make use of your factors.

Can you utilize factors to cowl taxes & charges?

Sure, factors can be utilized to pay for taxes and costs.

Can these rewards be transferred?

Sure, these rewards may be transferred to WestJet Rewards and Hudson’s Bay Rewards.

In the event you're an RBC Avion cardholder, it’s also possible to switch your factors to three different airline companions.

We’d love to listen to from you

RBC Rewards presents all kinds of how to make use of your factors – journey, present playing cards, merchandise, and monetary providers.

Plus, with the choice to switch to airways and Hudson’s Bay, there’s a redemption choice for everybody.

Do you will have an RBC Rewards bank card? If that’s the case, what have your experiences been?

Tell us within the feedback under.

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