Earn As much as 500,000 Avion Factors with RBC Direct Investing

In case you’re a fan of maximizing your rewards, travelling for much less, or funding your subsequent huge funding, you’re in the fitting place.

As a result of RBC Direct Investing is giving new shoppers the chance to earn as much as 500,000 Avion factors whenever you open your first account by March 31, 2025 and switch funds by Could 3, 2025.*

On prime of that, they’re providing a $300 money bonus and 50 commission-free trades.* For anybody trying to develop their portfolio and factors stability on the similar time, that is the proper alternative.

Let’s discover how this provide works, why RBC Direct Investing is a best choice for self-directed buyers, and how one can benefit from this promotion to spice up your Avion factors stability.

RBC Direct Investing’s present promotion is designed to reward new shoppers for transferring funds and beginning their self-directed investing journey.

Right here’s what’s on the desk:

1. Earn As much as 500,000 Avion Factors

You’ll obtain 1 Avion level for each $2 of internet transferred property (as much as a most of 500,000 factors) whenever you open your first RBC Direct Investing account by March 31, 2025, switch no less than $15,000 by Could 3, 2025, and preserve the stability till October 3, 2025.

The extra you switch, the extra factors you’ll earn:

 

One of many standout options of Avion Factors is their versatility. Whereas they’re extremely worthwhile for flight redemptions, you’re not restricted to only reserving airfare.

Avion Factors will also be redeemed for lodges, automobile leases, and trip packages, making them a superb all-around journey foreign money.

Whether or not you’re trying to cowl your whole journey or just cut back out-of-pocket bills, the flexibility to make use of Avion Factors throughout completely different journey classes ensures larger flexibility.

Moreover, RBC provides the Air Journey Redemption Schedule, which lets you e-book flights at mounted redemption charges with no blackout dates, masking a set most base fare.

For instance, 15,000 Avion Factors can cowl as much as $350 on a short-haul round-trip, whereas 100,000 Avion Factors can offset as much as $2,000 on long-haul flights. This construction gives constant worth, notably throughout peak seasons when money fares are inflated.

Past journey, Avion Factors will also be redeemed for reward playing cards and merchandise by the Avion Rewards platform. Present playing cards, particularly, could be a nice choice, particularly throughout promotional intervals once they provide elevated worth.

Merchandise is on the market as effectively, although one of the best ways to maximise Avion Factors usually stays by travel-related redemptions. 

For these trying to make use of their factors in different methods, Avion Factors may be utilized towards invoice funds, e-transfers, mortgage funds, and even contributions to your RBC Direct Investing account. Whereas these choices might not stretch your factors so far as journey rewards, they supply further flexibility for many who desire to make use of their factors towards on a regular basis bills.

With this stage of redemption selection, Avion Factors stand out as one of the crucial dynamic and helpful rewards applications in Canada, guaranteeing that regardless of the way you select to redeem them, you’ll all the time discover worth. 

2. $300 Money Bonus

Additionally, you will obtain a $300 money bonus whenever you switch or deposit a minimal of $15,000 from one other monetary establishment into your eligible account(s) by Could 3, 2025, and preserve the stability till October 3, 2025. The bonus might be deposited into your first eligible account by November 2025.

3. 50 Fee-Free Trades

As a brand new shopper, you’ll additionally take pleasure in 50 commission-free trades, legitimate for one yr after account opening^{1^}. These trades apply to Canadian and U.S. shares, ETFs, and choices. No minimal deposit is required to entry this profit, making it a worthwhile perk for buyers of all ranges.

Why Avion Factors Are So Worthwhile

Avion factors are one of the crucial versatile and worthwhile factors currencies in Canada. One of many greatest benefits of Avion factors is their capability to switch to airline loyalty applications, corresponding to British Airways Govt Membership, Cathay Pacific Asia Miles, and American Airways AAdvantage.

This makes it attainable to unlock superb redemption alternatives, like flying Qatar Airways QSuites – arguably among the finest enterprise class cabins on this planet – for simply 70,000 Avios one-way from Montreal to Doha.

Moreover, Avion factors are the solely Canadian program that lets you switch instantly into American Airways AAdvantage factors, including one other layer of worth. This implies you’ll be able to e-book experiences like Japan Airways First Class from New York to Tokyo for 80,000 AAdvantage factors.

Contemplating that we worth AAdvantage factors at 1.9 cents per level (CAD), the flexibility to earn vital quantities of this extremely worthwhile foreign money by RBC Direct Investing’s promotion is a game-changer for frequent flyers.

To unlock the total record of airline switch companions, you’ll want entry to Avion Elite Factors, which you routinely obtain upon approval of an RBC Avion bank card.

The RBC® Avion Visa Infinite† at present provides as much as 55,000 Avion factors,† making it a superb time to enroll together with RBC Direct Investing account.

However journey isn’t the one technique to redeem Avion factors. They will also be used to pay for buying and selling charges in RBC Direct Investing, together with commissions for shares, exchange-traded funds (ETFs), and choices trades.

Whereas the monetary redemption charge is barely 0.83 cents per level, it provides the comfort of offsetting out-of-pocket bills.

For instance, a commerce costing $9.95 with Direct Investing would require about 1,200 Avion factors. Whereas not probably the most optimum use, the flexibleness to scale back direct prices can nonetheless be extremely satisfying, particularly when speedy financial savings are a precedence.

Why RBC Direct Investing Is a High Decide for Traders and Miles & Factors Fanatics

Whether or not you’re a newbie investor or an skilled dealer, RBC Direct Investing gives the instruments and sources that will help you succeed.

Right here’s what units it aside:

Take pleasure in Seamless Integration for RBC Purchasers

In case you’re already banking with RBC, the mixing between your RBC financial institution accounts and RBC Direct Investing accounts is seamless. You’ll be able to immediately switch funds^{2^} between accounts and handle every part in a single place with a single sign-on. That is an especially helpful perk that another platforms in Canada don’t provide.

As an example, life occurs, and emergencies can come up the place you end up brief on money, needing to cowl sudden bills. In such conditions, you could have to withdraw funds out of your funding account—whether or not it’s money in a non-registered account or in a TFSA.

Inside the RBC ecosystem, you’ll be able to entry these funds immediately, making it a sensible and handy resolution when time is of the essence.

Commerce with RBC Direct Investing’s Highly effective Platforms

RBC Direct Investing provides buyers three highly effective platforms, offering flexibility, comfort, and superior instruments to handle and develop your portfolio with ease.

The RBC Cell App^{3^} lets you commerce on the go and keep related to your portfolio. The On-line Investing Web site provides a user-friendly platform that simplifies portfolio administration and analysis.

In case you’re new to investing or just need to take a look at out the platform’s options, RBC Direct Investing additionally provides Apply Accounts. These accounts offer you $100,000 in risk-free follow cash, permitting you to discover the platform utilizing the identical screens and instruments you’d use for precise trades.

It’s an ideal technique to achieve confidence earlier than committing actual funds. Apply Accounts are free for RBC On-line Banking and RBC Direct Investing shoppers, making them a superb useful resource for newbie buyers.

Construct a Various Portfolio with a Vary of Funding Choices

Constructing a various portfolio is one other energy of the platform. RBC Direct Investing provides you entry to a full vary of funding choices, together with shares and ETFs from Canadian and U.S. exchanges, mutual funds, bonds, and GICs for extra conservative methods.

Buying and selling on-line can also be at present obtainable for the Hong Kong Alternate, in addition to main European markets (London, Paris and Frankfurt).

In non-registered RBC Direct Investing accounts, you’ll be able to maintain as much as eight foreign currency echange. The obtainable foreign currency echange are Hong Kong Greenback (HKD), British pound sterling (GBP), Euro (EUR), Swiss Franc (CHF), Singapore Greenback (SGD), Australian Greenback (AUD), New Zealand Greenback (NZD) and Japanese Yen (JPY).

As well as, RBC Direct Investing provides a wide range of account sorts to fit your monetary objectives. Whether or not you’re saving for a house with an FHSA, rising your retirement financial savings in an RRSP, or exploring versatile choices like margin and money accounts, the platform ensures your wants are lined.

Keep Knowledgeable with RBC Direct Investing’s Analysis Instruments

That will help you make knowledgeable selections, RBC Direct Investing provides complete analysis instruments, corresponding to real-time streaming quotes⁴, Stage 2^{5^} market knowledge for deeper insights, and the Portfolio Analyzer to trace efficiency and asset allocation. Academic sources just like the Impressed Investor Commerce on-line journal are invaluable for each newbies and skilled buyers who need to keep forward of the curve.

Entry Actual Human Help When You Want It

At the same time as a self-directed investor, assistance is all the time obtainable. RBC Direct Investing’s Funding Service Representatives are only a cellphone name, internet message, or in-person go to away.

Whereas they don’t present funding recommendation, they’ll help with platform navigation, account setup, and basic questions.

In contrast to many platforms that depend on automated bots for help—usually resulting in irritating, round conversations—RBC Direct Investing ensures you can converse to an actual one that understands your wants and might present clear, direct help.

Steps to Take Benefit of the Supply

To take part on this promotion, listed here are the steps you might want to comply with:

Step 1: Open an Eligible Account

Open a number of of the next eligible RBC Direct Investing accounts earlier than March 31, 2025:

• Money Account (single or joint).
• Margin Account (single or joint).
• Tax-Free Financial savings Account (TFSA).
• Registered Retirement Financial savings Plan (RRSP).
• First House Financial savings Account (FHSA).

Step 2: Switch or Deposit Funds

Switch no less than $15,000 in money and/or securities from one other monetary establishment by Could 3, 2025, to qualify for each the Avion factors and $300 money bonus. RBC will even reimburse switch charges as much as $200⁶.

Step 3: Be part of Avion Rewards

In case you’re not already a member, be part of the Avion Rewards program by Could 3, 2025. Membership is free, and it’s straightforward to enroll on-line.

Step 4: Preserve Your Steadiness

Maintain your transferred property in your RBC Direct Investing account(s) till October 3, 2025, to qualify for the rewards.

To completely capitalize on RBC Direct Investing’s Winter 2025 Avion factors Plus Supply, it’s essential to method it strategically. The extra you switch, the extra worth you’ll be able to unlock—not simply in factors, however in monetary and investing alternatives as effectively.

One of many best methods to maximise this promotion is to switch bigger quantities into your RBC Direct Investing account. For instance, transferring $1,000,000 will earn you the utmost of 500,000 Avion factors, equal to a shocking $10,000 in journey rewards^{7^}.

Whereas not everybody has that stage of property available, even smaller transfers, like $100,000, can earn 50,000 Avion factors and journey worth.

Moreover, you’ll be able to leverage the 50 commission-free trades included within the promotion to construct a portfolio that meets your funding objectives. With the flexibility to commerce Canadian and U.S. shares, ETFs, and choices with out incurring commissions^{8^}, you’ll be able to discover completely different methods or rebalance your holdings throughout your first yr.

One other technique to profit from this promotion is to mix it with RBC Rewards. In case you already maintain an RBC Avion bank card, you’ll be able to leverage the factors you earn by on a regular basis spending to cowl commerce commissions or develop your portfolio.

Credit score Card	Greatest Supply	Worth
55,000 RBC Avion factors† $120 annual payment	55,000 RBC Avion factors†	$1,080	Apply Now
55,000 RBC Avion factors† $120 annual payment	55,000 RBC Avion factors†	$1,080	Apply Now
As much as 70,000 RBC Avion factors† $399 annual payment	As much as 70,000 RBC Avion factors†	$801	Apply Now
35,000 RBC Avion factors $175 annual payment	35,000 RBC Avion factors	$700	Apply Now
35,000 RBC Avion factors $120 annual payment	35,000 RBC Avion factors	$580	Apply Now

This integration between RBC’s rewards ecosystem and Direct Investing ensures that each transaction provides worth to your investments or journey plans.

Lastly, those that can deposit and preserve balances of $250,000 or extra for 4 consecutive months qualify for RBC’s Royal Circle^® Program^{9^}. This unique program gives entry to advantages like waived administrative charges, as much as $500 in switch payment reimbursements, and premium analysis from Morningstar^‡ and RBC Capital Markets^®.

You’ll additionally take pleasure in precedence service, guaranteeing that you just obtain the very best stage of help and experience.

This program provides one other layer of motivation to take a position and develop your property, because the perks not solely reward your loyalty but additionally improve your investing expertise.

By reaching this threshold, you’re setting your self up for long-term monetary success whereas having fun with further privileges that make managing your investments even simpler.

Issues to Think about with RBC Direct Investing

Whereas RBC Direct Investing provides a sturdy platform with spectacular advantages, it’s essential to think about the related buying and selling prices, notably in the event you plan to commerce often. The platform costs an ordinary payment of $9.95 per commerce, which applies to each shares and ETFs.

In comparison with another platforms the place charges vary from $4.95 to $9.95 per commerce and ETFs may be bought commission-free, RBC’s charges are barely on the upper finish.

On condition that investing is usually a long-term endeavor, methods like dollar-cost averaging into ETFs and progress shares are widespread approaches to constructing wealth over time. Nevertheless, after using the 50 commission-free trades supplied by RBC Direct Investing, the usual buying and selling charges can add up.

This makes it essential to evaluate how usually you dealer per yr and whether or not you intend to take a position on a month-to-month, quarterly, or annual foundation to know how these charges will impression your total returns.

That stated, RBC Direct Investing’s platform provides distinctive worth by its seamless integration with different RBC merchandise, entry to complete analysis instruments, and the flexibility to earn Avion factors, nonetheless making it a compelling choice.

It’s all about weighing the charges towards the platform’s advantages and deciding what aligns greatest along with your monetary objectives.

Conclusion

RBC Direct Investing’s Winter 2025 Avion factors Plus Supply is a uncommon alternative to realize each your monetary and journey objectives.

With the flexibility to earn as much as 500,000 Avion factors (value as much as $10,000 in worth), a $300 money bonus, and 50 commission-free trades, the promotion motivates you to develop your portfolio whereas incomes significant rewards.

Balancing a ardour for miles and factors with the necessity to give attention to constructing monetary property can usually really feel like a compromise—focusing an excessive amount of on one usually comes on the expense of the opposite.

This promotion, nevertheless, lets you do each. It’s an ideal resolution for travellers and buyers alike, serving to you develop your wealth and factors stability concurrently.

Whether or not you’re saving in your subsequent journey or working towards long-term monetary objectives, this promotion combines the very best of each worlds.

Don’t miss out on this golden alternative—open your RBC Direct Investing account at the moment and switch your investments into journey rewards.

Disclosure:

This text is sponsored by RBC Direct Investing. Whereas we obtain compensation for selling their platform, all opinions expressed listed here are our personal.

Disclaimer:

RBC Direct Investing Inc. and Royal Financial institution of Canada are separate company entities that are affiliated. RBC Direct Investing Inc. is an entirely owned subsidiary of Royal Financial institution of Canada and is a Member of the Canadian Funding Regulatory Group and the Canadian Investor Safety Fund. Royal Financial institution of Canada and sure of its issuers are associated to RBC Direct Investing Inc. RBC Direct Investing Inc. doesn’t present funding recommendation or suggestions concerning the acquisition or sale of any securities. Traders are answerable for their very own funding selections. RBC Direct Investing is a enterprise identify utilized by RBC Direct Investing Inc. ® / ™ Trademark(s) of Royal Financial institution of Canada. RBC and Royal Financial institution are registered emblems of Royal Financial institution of Canada. Used underneath licence. © Royal Financial institution of Canada 2025.

*Situations apply. See full Phrases and Situations right here.

^{1^} After the 50 fee free trades have been used or the 1 yr has expired, all RBC Direct Investing shoppers pay $9.95 flat CDN or U.S. per Canadian or U.S. fairness commerce with no minimal account stability or buying and selling exercise required. A lesser payment of $6.95 flat CDN or U.S. per Canadian or U.S. fairness commerce applies whenever you commerce 150 occasions or extra per quarter, and solely to trades positioned by an obtainable Automated Service (such time period is outlined in RBC Direct Investing’s Operation of Account Settlement), and consists of the web investing website and cellular software. Extra phrases and situations apply. For full particulars, together with worldwide buying and selling commissions, go to Pricing or name 1-855-972-1688.

^{2^} Fund transfers in CAD or USD from an RBC Royal Checking account to your RBC Direct Investing account utilizing RBC On-line Banking, Direct Investing On-line Investing, or the RBC Cell app are processed in actual time between the hours of 4:30 a.m. and seven:54 p.m. ET, seven days per week. Transfers into an RBC Direct Investing account made outdoors of those hours might be processed the next day. Transfers out of your RBC Direct Investing account (Locked-in, Registered Retirement Earnings Fund, and Registered Training Financial savings Plan accounts excluded) to an RBC Royal Checking account are processed in real-time between 9:00 a.m. and 4:00 p.m. ET, Monday to Friday (excluding Canadian holidays). Transfers out of your RBC Direct Investing account made outdoors of those hours might be processed the following enterprise day.

^{3^} RBC Cell is operated by Royal Financial institution of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

^{4^} Actual-time streaming quotes can be found routinely to all shoppers for alternate listed shares, ETFs and most over-the-counter (OTC) securities. Actual-time streaming quotes for choices and gray market OTC securities can be found to all shoppers upon accepting the phrases and situations of all alternate agreements on the RBC Direct Investing on-line investing website.

^{5^} Stage 2 quotes can be found on shares and ETFs that commerce on the TSX and TSX-Enterprise exchanges for all shoppers. Stage 2 quotes are additionally obtainable on shares and ETFs that commerce on the Canadian Securities Alternate and Nasdaq for Energetic Dealer shoppers upon accepting the phrases and situations of all alternate agreements on the RBC Direct Investing on-line investing website.

^{6^} As much as C$200 in switch charges might be lined whenever you switch C$15,000 or extra to RBC Direct Investing from an funding account held at a monetary establishment that isn’t affiliated with RBC. Purchasers should present proof of switch payment fee to RBC Direct Investing inside six months of switch to be eligible for reimbursement. Please contact an RBC Direct Investing consultant for extra particulars at 1 855-611-0798.

^{7^} The Journey Worth of $10,000 relies on an Air Journey Redemption from the Air Journey Redemption Schedule that’s solely obtainable to Avion Elite Members. Air Journey Reward redemptions from the Air Journey Redemption Schedule begin at 15,000 Avion factors for a spherical journey short-haul flight inside or to an adjoining province/territory or inside or to an adjoining U.S. State with a most ticket worth of $350. All relevant taxes, service charges and surcharges are the accountability of the traveller.

^{8^} There could also be commissions, trailing commissions, funding fund administration charges and bills related to funding fund and exchange-traded fund (ETF) investments. On or after June 1, 2022, any trailing commissions paid to RBC Direct Investing Inc. might be rebated to shoppers pursuant to relevant regulatory exemptions. Earlier than investing, please evaluate the relevant charges, bills and costs referring to the fund as disclosed within the prospectus, fund info or ETF info for the fund. Mutual funds are usually not assured, their values change often and previous efficiency will not be repeated. For cash market funds there may be no assurances that the fund will have the ability to preserve its internet asset worth per safety at a continuing quantity or that the total quantity of your funding within the fund might be returned to you.

^{9^} There are two methods to qualify for the RBC Direct Investing Royal Circle program. The typical of the month-end balances from the previous 4 months have to be no less than C$250,000 per shopper, or a shopper’s fairness commissions have to be larger than C$5,000 yearly. Membership in Royal Circle is reviewed yearly to make sure the qualification standards are met. RBC Direct Investing reserves the fitting to change the advantages at any time and to take away shoppers who not qualify for this system, with out prior notification

^{10^} For Royal Circle members as much as C$500 in switch charges might be lined whenever you switch C$15,000 or extra to RBC Direct Investing from an funding account held with a monetary establishment that isn’t affiliated with RBC. Purchasers should present proof of switch payment fee to RBC Direct Investing inside six months of switch to be eligible for reimbursement

‡ All different emblems are the property of their respective proprietor(s).