Three points a dollar across five categories at a one cent point value works out to 3% back, for $48 a year. The categories are groceries, dining and food delivery, rides and gas and EV charging, and streaming, digital gaming and subscriptions. General entertainment such as cinemas is NOT included and earns the 1 point base rate, nor are travel, drugstore or ordinary recurring bills. No earning cap is published anywhere, but RBC's legal footnotes sit behind a collapsed panel that could not be read, so treat "uncapped" as probable rather than confirmed. Note the cheaper no-fee ION card earns only 1.5 points and does NOT include dining.

7,000 points on approval, 14,000 more after $1,500 of spending in six months, and 7,000 as an anniversary bonus, for 28,000 in total. RBC values that at $200 in gift cards. A separate and apparently competing RBC promotion on its Moi and Metro landing page offers "up to $150 in groceries" for the same card with the same closing date, and RBC does not say whether the two can be combined. Students and anyone 24 or under can have the annual fee rebated by opening an RBC Advantage Banking Account for Students; RBC does not publish how long that rebate lasts.

No travel insurance of any kind and no rental car coverage. The only benefits are mobile device insurance, purchase security and extended warranty. RBC publishes NO income requirement for this card and prints "N/A" in its own comparison table, in a column it fills in for other cards, so the absence is deliberate. The card is marketed as "$4/month" but the disclosure states a $48 annual fee, and RBC never says whether it is billed monthly or annually. Quebec residents pay 21.99% on cash advances rather than 22.99% and no over-limit fee, but the product page shows only the 22.99% with no Quebec note. The certificate of insurance is dated November 2023 while the disclosure is November 2025.