BenefitS GUiDe
RBC Royal Bank® U.S. Dollar Visa‡ Gold
Freedom with
U.S. currency
Travel with ease.
the perfect choice for frequent travel to the U.S.
The RBC Royal Bank U.S. Dollar Visa Gold card offers you the
ability to make your transactions in U.S. funds to avoid the
hassle of daily currency fluctuations. Enjoy the freedom of
higher credit limits, extensive insurance coverage and
automatic enrolment in the RBC Rewards® program.
CORe BenefitS
RBC Rewards n Make purchases and other
transactions directly in U.S. funds.
n Earn 1 RBC Rewards point for every
$1 USD in purchases~.
n Every 100 RBC Rewards points is
worth $1 CAD towards travel.
n Redeem for merchandise, gift
certificates/cards, RBC Financial
Rewards® vouchers and more†.
n RBC Rewards points don’t expire±.
Insurance n Suite of Travel Insurances including
Travel Accident Insurance1, Auto Rental
Collision/Loss Damage Insurance2, Trip
Interruption Insurance3, Trip
Cancellation Insurance3.
Additional n Chip & PIN technology for enhanced
Benefits security.
n Zero Cardholder Liability.
DOn’t fORGet!
important steps for new cardholders:
1. Activate your card.
2. View your full Benefits Guide online at
www.rbc.com/usgoldinfo.
If you have any questions about your
card, please call us at 1-800 ROYAL® 1-2
(1-800-769-2512).
Earning RBC Rewards
points is simple.
Earn RBC Rewards points every time you make a purchase
with your card. Plus, earn additional RBC Rewards points**
when you dine at one of the participating locations in the
RBC Rewards Dining Program by Rewards Network‡, rent a
vehicle at participating Thrifty Car Rental‡ locations in
Canada or book a vacation through Carlson Wagonlit Travel‡.
Redeem your points for travel, merchandise, gift certificates/
cards, RBC Financial Rewards vouchers and more†!
Your RBC Rewards points add up quickly
n Earn 1 RBC Rewards point for every $1 USD in purchases
when you pay with your card~.
n Earn additional RBC Rewards points when you book
travel with Carlson Wagonlit Travel£.
n Enroll in the RBC Rewards Dining Program by Rewards
Network at no extra cost and earn one additional RBC
Rewards point for every $1 USD in purchases when you
pay with your card at participating restaurants^.
n Earn additional RBC Rewards points when you rent a
vehicle using your card at participating Thrifty Car Rental
locations in Canada^^.
n Visit www.rbcrewards.com/earn
Find your up-to-date points balance
clearly shown on your statement each
month or visit www.rbcrewards.com
How points add up,
at a glance.
Total RBC Rewards
Total Annual
Monthly Purchases + Points Earned
Purchases +
Per Year
Average monthly purchases:
$2,223 x 12
$2,223 – 1 RBC Rewards 26,676
= $26,676
point per $1
Pre-authorized payments
$444 x 12 =
(e.g. utilities, member- 5,328
$5,328
ships): $444
32,004
+ Illustrations only.
The reward opportunities are endless, and with points adding
up quickly, you’ll soon be spoiled with choice. From brand name
merchandise, exciting travel and gift certificates/cards to RBC
Financial Rewards vouchers and charitable donations, the RBC
Rewards program has what you want†.
track your points balance any time
n For access through RBC Royal Bank Online Banking, view
your credit card account page and then click on the “RBC
Rewards” link in the self-service menu;
n Log on at www.rbcrewards.com;
n Check your monthly credit card statement or eStatement; or
n Call 1-800 ROYAL 1-2 (1-800-769-2512).
the latest news and offers,
delivered directly to your inbox
Sign up for the RBC Rewards e-newsletter and you will
receive quarterly updates about the RBC Rewards program
– including news, special offers and tips on how to get the
most out of your RBC Rewards points.
Visit www.rbcrewards.com/enewsletter
Your points, your rewards.
Redeeming your points couldn’t be easier – or more rewarding.
With redemptions starting at just 2,500 points, you’ll soon be on
your way to the reward of your choice†.
What will you redeem your RBC Rewards points for?
n Travel rewards
n Gift certificates/cards
n Brand name merchandise
n RBC Financial Rewards vouchers
n Experiences by RBC Rewards
n Charitable donations
travel rewards
With the RBC Rewards program, you can redeem your
points for flights, cruises, tours, holiday packages, hotel
stays, VIA Rail‡ travel, car rentals and more. Every 100 RBC
Rewards points you redeem is worth $1 CAD towards your
travel redemption choice. If you do not have enough
points to redeem for the reward of your choice, you can
charge any remaining balances your points don’t cover on
your credit card and earn points on that amount charged.
Brand name merchandise rewards
The right reward, such as an HD LCD‡ TV, can make a great
gift for someone special or a treat for yourself. Our
selection of over 200 merchandise rewards includes
trusted names – Samsung‡, KitchenAid‡, Canon‡ and more.
Enjoy all the advantages
of your credit card.
Your RBC Royal Bank U.S. Dollar Visa Gold card
gives you a wealth of benefits, including:
n Worldwide acceptance
n Access to cash advances††
n The convenience of credit card cheques††
n Commission-free travellers cheques
n Our time-saving Autopay service
n Online Banking
n eStatements
n Emergency card replacement
n Additional cards for co-applicants and authorized users
n Visa payWave‡ – speed, convenience and security right
at your fingertips
For a complete description of all your RBC Royal Bank
U.S. Dollar Visa Gold card benefits, please visit us online
at www.rbcroyalbank.com/cards/documentation.
Important information.
RBC Royal Bank Credit Card Customer Service
Card inquiries and information:
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
Outside Canada/U.S. call collect: 416-974-7780
Lost or stolen cards, 24 hours, 7 days:
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
International: (Access code) 800 ROYAL 5-2-3
(Access code) (800-769-25523)
Collect: 514-392-9167
If you prefer not to have telephone access to your account information,
please call 1-800 ROYAL 1-2 (1-800-769-2512) to disable this service.
Assured Assistance Inc.:
For assistance with the travel insurance listed
in this guide:
In Canada/U.S.: 1-800-533-2778
Outside Canada/U.S. call collect: 905-816-2581
TDD/TTY: 1-800 ROYAL 1-8 (1-800-769-2518)
RBC Rewards
To redeem your RBC Rewards points for travel
Call 1-877-636-2870
Monday – Friday, 8 a.m. to 9 p.m. EST
Saturday, 8 a.m. to 5 p.m. EST
For all other RBC Rewards points redemptions
Redeem online at www.rbcrewards.com
Call 1-800 ROYAL 1-2 (1-800-769-2512)
Monday – Friday, 7 a.m. to 1 a.m. EST
Saturday and Sunday, 7 a.m. to 11 p.m. EST
For additional copies of your Important Visa
Numbers wallet-sized card, please visit
www.rbcroyalbank.com/cards/walletcard
15988 (11/2010)
®
Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks
of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
~
RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including
RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill
payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the
points earned by the amounts originally charged.
†
All rewards are subject to availability. If a merchandise item is unavailable exactly as shown,
a substitute of equal or greater value will be sent to you. Point redemption values may fluctuate.
Reward shipping (by basic prepaid delivery service), handling and taxes are included with your
redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards
program, as well as for current point redemption values, please visit www.rbcrewards.com or
call 1-800 ROYAL 1-2 (1-800-769-2512).
±
RBC Rewards points will be cancelled if they remain unredeemed within ninety (90) days after the
termination of the RBC Rewards program or after you voluntarily close your RBC Royal Bank credit
card account.
**
Additional points are awarded per dollar spent on qualifying purchases and are in addition to the
standard RBC Rewards points you earn per dollar when you pay with your eligible RBC Royal Bank credit
card. Certain conditions and restrictions apply. For more details, visit www.rbcroyalbank.com/cards/
rbcrewards/earning.html
£
Additional RBC Rewards points are awarded per dollar spent on qualifying purchases made at all
Canadian Carlson Wagonlit Travel (“CWT”) locations. Additional points are awarded by CWT and are in
addition to the standard RBC Rewards points you earn per dollar when you redeem your points or pay
with your eligible RBC Royal Bank® credit card, and will appear on your credit card statement 4-6 weeks
after travel departure date, provided your credit card account was in good standing at time of travel.
Additional points for airline tickets are awarded to a maximum of 500 points. Other conditions and
restrictions apply. CWT, not Royal Bank of Canada, is responsible for the CWT program. For more details,
visit www.rbcrewards.com/cwtdetails
^
Additional RBC Rewards points are awarded by Rewards Network on purchases made at participating
locations only, in addition to the standard RBC Rewards points you earn per dollar spent when you pay
with your eligible RBC Royal Bank credit card. Additional points will appear on your credit card statement
4-6 weeks after the purchase is made. All participating locations, as well as all terms and conditions
applicable to the RBC Rewards Dining Program, are established by Rewards Network and can be found
at rbcrewards.rewardsnetwork.com. Some conditions and restrictions apply. Rewards Network, not
Royal Bank of Canada, is responsible for the Dining Program.
^^
Additional RBC Rewards points are awarded per dollar spent on qualifying rentals made at participating
Canadian locations only, up to a maximum of additional points per rental, which are based on
net time and kilometer charges only. Additional points are awarded by Thrifty Car Rental (“Thrifty”) and
are in addition to the standard RBC Rewards points you earn per dollar spent when you pay with your
eligible RBC Royal Bank credit card. All terms, conditions and restrictions applicable to this program
are established by Thrifty and shall apply to all rentals and other services offered or provided by Thrifty.
Some conditions and restrictions apply. Thrifty, not Royal Bank of Canada, is responsible for the Thrifty
Car Rental program. For more details, visit www.rbcrewards.com/thrifty
††
Cash advances can be made up to your available credit and daily limits. There is no interest-free period
for cash advances. Cash withdrawals, balance transfers, use of RBC Royal Bank credit card cheques,
certain bill payments and cash-like transactions are all treated as cash advances. Interest is charged
from the day the cash advance is made until we receive your payment for the total amount you owe.
Cash advance fees apply and will be charged to your credit card account. Please refer to your RBC Royal
Bank Credit Card Agreement for applicable fees.
1
Coverage underwritten by Desjardins Financial Security Life Assurance Company.
2
Coverage underwritten by RBC General Insurance Company.
3
Coverage underwritten by RBC Insurance Company of Canada.
Insurance benefits are available to Canadian residents only. All insurance is subject to limitations and
exclusions. Please refer to the enclosed Certificates of Insurance for complete details regarding the
insurance coverages on your RBC Royal Bank credit card.
For complete terms and conditions of the RBC Rewards Program, please refer to your RBC Rewards
catalogue or visit www.rbcrewards.com.