RBC Rewards Points Value Calculator & Redemption Options

Travel Rewards Calculators
Calculate the dollar value of RBC Avion Rewards Points and RBC Rewards Points when redeemed for travel, gift cards, statement credits, and more. Plus, get the full list of redemption options for the RBC Rewards program.
Advertiser Disclosure
Last Updated 2021-10-21
RBC Rewards Points Value
Value of 1 Point Redemption
$0.02 Air Travel Redemption Schedule (Avion Cards Only)
$0.01 RBC Travel Portal
$0.01 Charity
$0.01 Gift Cards (RBC Rewards+ Visa Only)
$0.0085 Merchandise
$0.0071 Gift Cards
$0.0058 Statement Credits

The Royal Bank of Canada offers two rewards programs which are RBC Avion Rewards and RBC Rewards.

The RBC Rewards Avion program is a great option if you plan on redeeming your points through RBC's Air Travel Redemption Schedule as you'll be able to get superb value out of your rewards.

If you don't plan on using their air travel chart and don't mind not being able to transfer to points to a select few oneworld Alliance airlines, then the standard RBC Rewards credit cards will typically be the better option.

How Much Are RBC Rewards Points Worth?

Points earned in the RBC Avion Rewards program are worth up to 2.33 cents each while points earned in the standard RBC Rewards program are worth up to 1 cent each.

RBC Avion Rewards Redemptions

RBC Avion Rewards Points are earned with RBC Avion Credit Cards. This includes:

Those with an Avion credit card have two additional redemption options over those who have a standard RBC Rewards credit card. Those two 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 since that's primarily what the Avion program is 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 the following oneworld alliance airlines:

The transfer ratio from RBC to both British Airways and Cathay Pacific are 1:1 meaning that 1 RBC Avion Rewards Point will give you 1 British Airways Avios or 1 Cathay Pacific 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 to your AAdvantage account.

You can checkout our RBC Rewards Points Transfer Calculator to calculate the conversion of RBC Avion Rewards Points to airline miles with those frequent flyer progams.

RBC Rewards Redemption

All of the redemptions listed below are for all RBC credit card holders which includes both RBC Avion Rewards credit cards and RBC Rewards credit cards. These are your basic redemptions and they will typically give you 1 cent or lower in value per point.

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.

rbc travel 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.

WestJet

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.

Hudson Bay Rewards

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.

Merchandise

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:

rbc rewards plus visa gift cards

Statement Credit

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.

Charity

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.

RBC Points To Dollars Calculator

Use the RBC Points To Dollars Calculator to calculate the average cash value of RBC Avion Rewards Points and RBC Rewards Points based on redemption options. You can enter any amount of points in the calculator below.

RBC Points To Dollars Calculator
Enter any amount of RBC Rewards Points to see the average cash value.
Points
RBC Avion Rewards Redemptions Only
RBC Air Travel Redemption Schedule
Up to to 2.33 Cents
$0
All Cards
RBC Travel Portal
1 Cent
$0
Charity
1 Cent
$0
Gift Cards [RBC Rewards Visa+ Cardholders]
2,500 Points = $25 GC (Only Select GCs)
$0
Merchandise
Avg. 0.85 Cents
~$0
RBC Financial Products
12,000 Points = $100 Voucher
$0
Gift Cards
3,500 Points = $25 GC
$0
Statement Credit
17,200 = $100 Statement Credit
$0

If you're a RBC Avion Rewards credit cardholder, you will want to redeem your points via the RBC Air Travel Redemption Schedule or transfer your points to partners. Other redemptions will take away the value of RBC Avion Rewards Points.

For the standard RBC Rewards credit cards, 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 some of the cards do have hefty annual fees, most cards come with travel benefits as well as travel and purchase insurance coverage.

Earning RBC Rewards Points

RBC offers five RBC Avion Rewards credit cards and 4 RBC Rewards credit cards that you can use to earn points on your everyday spending.

You can use the Rewards Calculators listed below to learn more about the card and calculate how much you can earn based on your spend. You'll also be able to calculate the cash value of any card listed based on spend, how much you value the card benefits, and annual fees.

Results can be compared side by side any credit card featured on the site.

RBC Avion Rewards Credit Cards

RBC Avion Visa Infinite Privilege
RBC Avion Visa Infinite Privilege
Intro Bonus
Get 35,000 welcome points, a value of up to $750. Perfect for your future travel plans, with points that do not expire.
Rewards Rate
1.25X
Earn 1.25 RBC Rewards points for every $1 you spend.
Main Card Highlights
  • Redeem RBC Rewards points for high value via the RBC Air Travel Redemption Schedule.
  • Book flights on any airline, on any flight, at any time. You can also use your points to redeem for vacation packages, hotels, cruises and tours.
  • Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports.
  • Earn bonus RBC Rewards bonus points when you book a trip with CWT Vacations or through purchases at selected retailers using your RBC Rewards credit card.
  • Eligible RBC Rewards members can convert points to other loyalty programs including WestJet dollars and Hudson’s Bay Rewards points.
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Link your card with your Rexall Be Well Card to get 50 Be Well points for every $1 spent on eligible products at Rexall
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Mobile Device Insurance included – up to $1,500
  • Travel with ease with trip cancellation and trip interruption insurance, and emergency medical
  • Plus, eligible purchases made on the card are protected
  • Experience Visa Infinite Privilege benefits which includes Visa Infinite Luxury Hotel Collection, Visa Infinite Privilege Concierge, and Visa Infinite Dining Series.
  • Minimum Income Requirements: $200,000/year Individual, $200,000/year Household
Annual Fee
$399
Authorized User Fee
$99
Foreign Transaction Fee
2.5%
RBC Avion Visa Infinite
RBC Avion Visa Infinite
Intro Bonus
Get 35,000 welcome points, a value of up to $750. Perfect for your future travel plans, with points that do not expire.
Rewards Rate
1.25X
Earn 1.25X RBC Rewards Points for every dollar you spend on travel
1X
Earn 1X RBC Rewards Points for every dollar you spend on all other purchases
Main Card Highlights
  • Redeem RBC Rewards points for high value via the RBC Air Travel Redemption Schedule.
  • No blackouts or seat restrictions. If there's an open seat, you can fly – even during peak seasons.
  • Eligible RBC Rewards members can convert points to other loyalty programs including WestJet dollars and Hudson’s Bay Rewards points.
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Link your card with your Rexall Be Well Card to get 50 Be Well points for every $1 spent on eligible products at Rexall
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Mobile Device Insurance included – up to $1,500
  • Travel with ease with trip cancellation and trip interruption insurance, and emergency medical
  • Plus, eligible purchases made on the card are protected
  • Get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits via www.visainfinite.ca
  • Minimum Income Requirements: $60,000/year Individual, $100,000/year Household
Annual Fee
$120
Authorized User Fee
$50
Foreign Transaction Fee
2.5%
RBC Avion Visa Platinum
RBC Avion Visa Platinum
Intro Bonus
Get 35,000 welcome points, a value of up to $750. Perfect for your future travel plans, with points that do not expire.
Rewards Rate
1X
Earn 1 RBC Rewards Point for every $1 you spend on qualifying purchases
Main Card Highlights
  • Redeem RBC Rewards points for high value via the RBC Air Travel Redemption Schedule.
  • Choose any airline, any flight, at any time. No blackouts or seat restrictions, even during peak seasons.
  • Eligible RBC Rewards members can convert points to other loyalty programs including WestJet dollars and Hudson’s Bay Rewards points.
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Link your card with your Rexall Be Well Card to get 50 Be Well points for every $1 spent on eligible products at Rexall
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Comprehensive travel coverage including trip cancellation, trip interruption, eligible purchases and belongings in your hotel.
  • Own a business? Get an RBC Avion Visa Business card for a discounted fee of $50.
Annual Fee
$120
Authorized User Fee
$50
Foreign Transaction Fee
2.5%
The RBC Avion Visa Infinite Business
The RBC Avion Visa Infinite Business
Intro Bonus
Enjoy 25,000 welcome points upon enrolment.
Rewards Rate
1.25X
Earn 1.25 RBC Rewards points for every $1 spent in net purchases with your card, on up to $75,000 per year
Main Card Highlights
  • Enjoy access to over 1200 airport lounges worldwide with a Priority Pass membership.
  • Streamline your business expense tracking with access to customized reports, card transaction data and photos of your paper receipts. Plus, Visa Payment Controls allows you to set spending limits and restrictions for each employee card.
  • Redeem RBC Rewards points for high value via the RBC Air Travel Redemption Schedule.
  • Sign in with your business account to see your offers from great brands. Load offers to get cash savings or bonus RBC Rewards points on business spend.
  • Get 2 years of coverage up to $2,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure.
  • Comprehensive travel coverage including out of province/country emergency medical insurance, lost or stolen baggage insurance, travel accident insurance, and auto rental collision/loss damage.
  • Combine the RBC Rewards points earned on all your employees’ Avion Visa Infinite Business cards into one account, and pool your points between your business and personal Avion cards.
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
Annual Fee
$175
Authorized User Fee
$75
Foreign Transaction Fee
2.5%
The RBC Visa Business Platinum Avion
The RBC Visa Business Platinum Avion
Intro Bonus
Enjoy 20,000 welcome points upon enrollment.
Rewards Rate
1X
Earn 1 RBC Rewards point for every $1 spent in net purchases with your card
Main Card Highlights
  • Redeem RBC Rewards points for high value via the RBC Air Travel Redemption Schedule.
  • Combine the RBC Rewards points earned from all your employees’ Business Platinum Avion cards into one account, and pool your points between your business and personal Avion cards
  • Use your points to invest in your business, provide incentives to employees, pay back your balance or simply reward yourself.
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Get insurance protection with trip cancellation, interruption and rental car insurance, even your eligible retail purchases are included
Annual Fee
$120
Authorized User Fee
$50
Foreign Transaction Fee
2.5%

RBC Rewards Credit Cards

RBC Rewards Visa Preferred
RBC Rewards Visa Preferred
Intro Bonus
Collect 2,500 bonus RBC Rewards points upon enrollment.
Rewards Rate
1X
Earn 1 RBC Rewards point for every $1 spent on your card.
Main Card Highlights
  • Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.
  • It’s easy to redeem for travel rewards, merchandise, gift cards/certificates and RBC Financial Rewards. Rewards start as low as 2,500 points!
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Link your card with your Rexall Be Well Card to get 50 Be Well points for every $1 spent on eligible products at Rexall
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Comprehensive insurance coverage with emergency medical, travel accident and trip cancellation/trip interruption insurance – plus protection for your rental car, eligible purchases and belongings while away
  • $1,000 ATM cash advance limit (up to your available credit) and guaranteed hotel reservations.
Annual Fee
$110
Authorized User Fee
$40
Foreign Transaction Fee
2.5%
Signature RBC Rewards Visa
Signature RBC Rewards Visa
Intro Bonus
No current bonus
Rewards Rate
1X
Earn 1 RBC Rewards point for every $1 you spend on qualifying purchases.
Main Card Highlights
  • Earn bonus points through purchases at selected retailers using your RBC Rewards credit card.
  • Redeem your points for gift cards, merchandise, travel rewards, and RBC Financial Rewards vouchers. Rewards start as low as 2,500 points!
  • Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Link your card with your Rexall Be Well Card to get 50 Be Well points for every $1 spent on eligible products at Rexall
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Great insurance protection including travel accident insurance, and protection for your rental car and eligible purchases.
Annual Fee
$39
Authorized User Fee
$0
Foreign Transaction Fee
2.5%
RBC Rewards+ Visa
RBC Rewards+ Visa
Intro Bonus
Get up to 3,500 bonus RBC Rewards points for going digital.
Rewards Rate
1X
Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases
1X/$2
Earn 1 RBC Rewards point for every $2 spent on all other purchases
Main Card Highlights
  • Get up to 3,500 bonus RBC Rewards points for going digital which includes sharing your email address, signing up for eStatements and downloading the RBC Mobile app, RBC Wallet, or RBC Rewards app.
  • Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.
  • Only RBC Rewards+ Visa cardholders get our most popular $25 gift cards for just 2,500 points (that's a savings of 1,000 points!).
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Link your card with your Rexall Be Well Card to get 50 Be Well points for every $1 spent on eligible products at Rexall
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Purchase Security and Extended Warranty Insurance automatically protects card purchases against loss, theft or damage for up to 90 days, and doubles the manufacturer's original Canadian warranty for up to one extra year.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%
RBC Visa CreditLine for Small Business
RBC Visa CreditLine for Small Business
Intro Bonus
View Issuer's Website
Rewards Rate
1X/$2
Earn 1 RBC Rewards point for every $2 spent in net purchases with your card
Main Card Highlights
  • RBC Rewards points can be used for more than just travel - use your points to invest in your business, provide incentives to employees, pay back your balance or simply reward yourself.
  • A dedicated business credit card lets you separate your business and personal expenses, which can help identify tax-deductible purchases.
  • Link your card with Petro-Canada and instantly save 3¢/L on fuel, earn 20% more Petro-Points, and earn 20% more RBC Rewards Points.
  • Get $0 delivery fees for 12 months from DoorDash when you add your eligible RBC credit card to your DoorDash account
  • Be protected with Purchase Security and Extended Warranty.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

FAQ

How much are RBC Rewards Point worth?

RBC Avion Rewards Points are worth up to 2.33 cents each while RBC Rewards Points earned with non-Avion credit cards are worth 1 cent each.

What can you use RBC Rewards Points for?

RBC Avion Rewards Points and RBC Rewards Points can be used for travel, merchandise, financial products, gift cards, and statement credits. You can also donate points to charity.

What is the Air Travel Redemption Schedule?

The RBC Air Travel Redemption Schedule can be used by RBC Avion Cardholders. It lists the cost of flights in points based on destination, up to a max ticket price. It offers the best redemption value in the RBC Rewards program.

Can RBC Rewards Points be transferred to partners?

Yes. RBC Avion Rewards Points can be transferred to British Airways, Cathay Pacific, and American Airlines.

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