Ratesopedia

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¢
Groceries0.5x
$400/month
Restaurants0.5x
$160/month
Gas0.5x
$300/month
Recurring0.5x
$300/month
All other spending0.5x
$700/month

Points Earned

11,160

pts/yr

Estimated Value

$112

After Fees

+$112

1st Year Value

$112

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 0.5x2,400 pts
Restaurants$1,920/yr × 0.5x960 pts
Gas$3,600/yr × 0.5x1,800 pts
Recurring$3,600/yr × 0.5x1,800 pts
All other spending$8,400/yr × 0.5x4,200 pts
Total annual spend$22,320
Monthly spend$1,860
Average earn rate0.5x
Total points earned11,160 pts

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. 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.