RBC Rewards Points Value Calculator
Calculate the cash value of RBC Rewards Points and get a list of redemption options available to RBC Avion Rewards and RBC Rewards cardholders.
RBC Rewards Points are worth as much as 2.33 cents per point for those who have an RBC Avion Rewards credit card while those with a standard RBC Rewards credit card will get 1 cent or lower in value. If you're looking to use your points to travel and want the best value, picking up RBC's Avion credit cards will be the route to take.
RBC Points Value Calculator
The RBC Rewards Points Value Calculator below will calculate the average value of your RBC Rewards Points based on the redemption options. Each option is then covered in the following sections. You can enter any amount of RBC Points in the field below.
RBC Rewards Points Cash Value Calculator
|RBC Avion Rewards Redemptions Only|
|RBC Air Travel Redemption Schedule||$0|
|RBC Travel Portal||$0|
|Gift Cards [RBC Rewards Visa+ Cardholders]||$0|
|RBC Financial Products||$0|
RBC Avion Rewards Redemptions
RBC Avion Rewards Points are earned with RBC Avion Credit Cards. This includes:
- RBC Avion Visa Infinite Privilege Card
- RBC Avion Visa Infinite Card
- RBC Avion Visa Platinum Card
- RBC Avion Visa Infinite Business Card
- RBC Avion Visa Business Card
Those with an Avion credit card have two additional redemption options over those who have a standard RBC Rewards credit card. Those to options are the RBC Air Travel Redemption Schedule and the ability to transfer points to RBC's airline partners. If you have an RBC Avion Credit Card, I recommend sticking to these two redemption options as that's what the program is pretty much for. If you don't plan on using the Air Travel Redemption Schedule or transferring your points to airline partners, I recommend picking up one of the standard RBC Rewards credit cards.
RBC Air Travel Redemption Schedule
RBC has an Air Travel Redemption Schedule that lists how many RBC Avion Rewards Points it will cost you for a round-trip between different destinations within Canada or around the world. These redemptions do not have any blackout dates or advanced booking restrictions which makes them the best use of RBC Avion Rewards Points.
Here's a breakdown of the value you'll obtain from using the RBC Air Travel Redemption Schedule
|Destination(s)||Max Ticket Price||Cost in Points||Point Value|
|Within or to an adjacent province, territory, or U.S. state||$350||15,000 Points||2.33 Cents|
|Anywhere in Canada/U.S. except Hawaii and Alaska||$750||35,000 Points||2.14 Cents|
|Western Canada/U.S. to Mexico, Hawaii, Alaska -OR- Eastern Canada to Bermuda, Central America, Caribbean||$900||45,000 Points||2 Cents|
|Eastern Canada/U.S. to Mexico, Hawaii, Alaska -OR- Western Canada to Bermuda Central America, Caribbean||$1,100||55,000 Points||2 Cents|
|Major gateway in Canada/U.S. to destinations in Europe||$1,300||65,000 Points||2 Cents|
|Major gateway in Canada/U.S. to destinations in Asia, Australia, New Zealand, South Pacific, Middle East, Africa, South America||$2,000||100,000 Points||2 Cents|
As you can see from the table, you can get up to 2.33 cents for short-haul flights between neighboring provinces, territories, or U.S. states. You can also get up to 2 cents in value for pretty much all other redemptions.
Transfer Points To Airline Partners
Avion cardholders will be able to transfer RBC Rewards Points to British Airways, Cathay Pacific, and American Airlines. You may notice that these are all oneworld Alliance airlines so if you're a fan of the alliance... you're in the right spot with RBC Avion credit cards. The transfer ratio from RBC to both British Airways and Cathay Pacific is 1:1 meaning 1 RBC Avion Rewards Point will give you 1 Avios or 1 Asia Mile. The transfer ratio from RBC to American Airlines is 10:7 so you'll end up with 7 AAdvantage Miles when you transfer 10 RBC Avion Rewards Points. You can jump to the main RBC Rewards Points Calculator to calculate the transfer of RBC Avion Rewards Points to those three airline partners.
RBC Rewards Redemption
All of the redemptions that are listed below are for both RBC Avion Rewards and RBC Rewards credit cardholders meaning anyone can partake in them as long as you have RBC Points to spare. These are your basic redemptions and they will all give you 1 cent per point in value or less.
RBC Travel Portal
RBC Rewards Points can be redeemed for travel at a value of 1 cent each. You can also use use both points and a credit card if you're short on points. This is the best value for standard RBC credit cardholders who want to redeem their points for maximum value.
Transfer To Partners
All RBC Rewards credit card holders will be able to transfer earned points to both WestJet Airlines and Hudson's Bay Rewards.
Every 100 RBC Rewards Points you transfer to WestJet will give you $1 WestJet Dollar. Since 100 Avion Rewards Points are worth 1 cent each (assuming you're not a Avion credit card), you're pretty much looking at an even transfer ratio. This makes RBC credit cards a good option for earning additional rewards with WestJet.
Every 500 RBC Rewards Points you transfer to Hudson's Bay Rewards will give you 1,000 Hudson's Bay Points. Since Hudson's Bay Points are worth 0.5 cents each, you're basically looking at another 1:1 transfer meaning that transferring points to Hudson's Bay can be useful if you're trying to build up your points in that particular rewards program.
You can jump to the main RBC Rewards Points Calculator to calculate the transfer of RBC Rewards Points to those two partners.
As with most rewards programs, redeeming your points for merchandise will usually give you a low value. With RBC Rewards, it's no different. Your points will be worth around 0.85 cents on average. If you're looking to earn rewards redeemable for merchandise, I recommend considering cash back credit cards as you'll typically get even value out of your redemptions.
RBC Financial Products
If you bank with RBC, you may be interested in redeeming your RBC Rewards Points for various financial products. This includes using points towards existing investments, mortgage payments, and lines of credit you may have the RBC. You can redeem 12,000 RBC Rewards Points for a $100 voucher which gives you a value of 0.83 cents per point.
RBC Gift Cards
Gift Cards start at 3,500 RBC Rewards Points for a $25 gift card. This gives your RBC Rewards Points a value of 0.71 cents per point which isn't too shabby. If you have the RBC Rewards+ Visa Card, you'll be able to redeem 2,500 RBC Rewards Points for a $25 gift card with select retailers which will give your points a value of 1 cent per point. Those retailers include:
- Apple iTunes
Redeeming your RBC Rewards Points for a statement credit will give your points a value of 0.58 cents per point. You'll receive a $100 statement credit when you redeem 17,200 points. This is a significantly lower value then redeeming your points towards travel. If you're looking to redeem points for statement credits, I suggest using cash back credit cards.
RBC Rewards Points can be put towards charity. This will give your points a value of 1 cent each. It's a great option if you want to donate your points.
If you're an RBC Avion credit cardholder, you'll want to redeem your points via the RBC Air Travel Redemption Schedule or transfer your points to partners. Other redemptions as a RBC Avion credit cardholder will take away the value of the card.
If you have a standard RBC credit card, your best option is to redeem your points for travel which will give you 1 cent per point. Transferring your points to WestJet or Hudson's Bay are also solid options if you're part of either rewards program.
All-in-all, there's lots of value to be obtained in the RBC Rewards Program. While the cards do have hefty annual fees, remember that they come with travel and purchase insurance/protections that can save you more money than the fee itself. I recommend using the RBC Credit Card Point Calculators to calculate the cash value of each RBC credit card and find out which is the best for you.