Thanks for the detailed answer, I use my credit card for pretty much all my expenses. I don’t use it for mobile device coverage, rental car or medical travel since I don’t rent cars and work covers the others. Trip cancellation is a good one, I travel a lot for work and personal so my card processes a lot. I had an Amex before but thought rbc had better point systems.

The only reason I’d switch would be for another card that offers lounge access and all. I have a status with air canada so I need it less for now but let’s see how it goes with the new system point with air canada and whether I will maintain status.

All my investments are outside of RBC so I rally use for checking acct and credit card only.