Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$223
✓
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
$223
$/yr
Estimated Value
$223
After Fees
+$223
1st Year Value
$223
incl. welcome bonus
Annual rewards breakdown
Groceries$4,800/yr × 1.00%$48
Restaurants$1,920/yr × 1.00%$19
Gas$3,600/yr × 1.00%$36
Recurring$3,600/yr × 1.00%$36
All other spending$8,400/yr × 1.00%$84
Total annual spend$22,320
Monthly spend$1,860
Average earn rate1.00%
Total cashback earned$223
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. Ratesopedia 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.