{"id":8252,"date":"2025-05-15T23:16:07","date_gmt":"2025-05-15T23:16:07","guid":{"rendered":"https:\/\/www.rbc.com\/en\/economics\/?p=8252"},"modified":"2026-03-31T19:32:32","modified_gmt":"2026-03-31T19:32:32","slug":"rbc-canadian-cardholder-spending-continues-to-defy-broader-concerns","status":"publish","type":"post","link":"https:\/\/www.rbc.com\/en\/economics\/canadian-analysis\/rbc-consumer-spending-tracker\/rbc-canadian-cardholder-spending-continues-to-defy-broader-concerns\/","title":{"rendered":"RBC Canadian cardholder spending continues to defy broader concerns"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel section-tabs full-width is-tabs-style-section-tabs-in-page\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p><strong>April spending snapshot:<\/strong> RBC Canadian cardholder spending remained relatively resilient in April, despite record-low consumer sentiment in March that showed little improvement in April.<\/p>\n\n\n\n<p>Purchases increased broadly across categories on the heels of a 0.7% gain in retail sales, according to Statistics Canada\u2019s preliminary estimate, which is consistent with our earlier tracking of card transactions.<\/p>\n\n\n\n<p>Early data indicates retail sales largely maintained their gains in April (0.8%), despite partial reversals in vehicle sales following March\u2019s surge. Reduced spending at gas stations after the April 1 consumer carbon tax elimination was an anticipated headwind which mechanically held back spending on essentials in April. Still, stronger services spending brought total RBC cardholder spending even higher, marking a 2% increase from March.<\/p>\n\n\n\n<div class=\"wp-block-rbc-tabs-block-v2 alignfull\">\n<ul class=\"wp-block-rbc-tab-nav-v2  tab-nav\" role=\"tablist\">\n<li role=\"presentation\" class=\"wp-block-rbc-tab-nav-single-v2\"><a href=\"#section-content-2841a497\" id=\"section-tab-2841a497\" role=\"tab\" data-toggle=\"tab\" data-bs-toggle=\"tab\" data-bs-target=\"#section-content-2841a497\" aria-controls=\"section-content-2841a497\" aria-selected=\"false\" data-dig-id=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker-8252-2841a497\" data-dig-category=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker\" data-dig-action=\"tab select\" data-dig-label=\"All Categories\" data-dig-anchor=\"\">All Categories<\/a><\/li>\n\n\n\n<li role=\"presentation\" class=\"wp-block-rbc-tab-nav-single-v2\"><a href=\"#section-content-373fd24f\" id=\"section-tab-373fd24f\" role=\"tab\" data-toggle=\"tab\" data-bs-toggle=\"tab\" data-bs-target=\"#section-content-373fd24f\" aria-controls=\"section-content-373fd24f\" aria-selected=\"false\" data-dig-id=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker-8252-373fd24f\" data-dig-category=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker\" data-dig-action=\"tab select\" data-dig-label=\"Dining, Groceries and Travel \" data-dig-anchor=\"\">Dining, Groceries and Travel <\/a><\/li>\n\n\n\n<li role=\"presentation\" class=\"wp-block-rbc-tab-nav-single-v2\"><a href=\"#section-content-a2970a6a\" id=\"section-tab-a2970a6a\" role=\"tab\" data-toggle=\"tab\" data-bs-toggle=\"tab\" data-bs-target=\"#section-content-a2970a6a\" aria-controls=\"section-content-a2970a6a\" aria-selected=\"false\" data-dig-id=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker-8252-a2970a6a\" data-dig-category=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker\" data-dig-action=\"tab select\" data-dig-label=\"Entertainment, household and clothing,\" data-dig-anchor=\"\">Entertainment, household and clothing,<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-rbc-tab-content-v2 tab-content\">\n<div role=\"tabpanel\" tabindex=\"0\" class=\"tab-pane show active\" aria-labelledby=\"section-tab-2841a497\" id=\"section-content-2841a497\">\n<div id=\"everviz-A0UEPNb4A\" class=\"everviz-A0UEPNb4A\" data-view=\"graph\"><\/div>\n<\/div>\n\n\n\n<div role=\"tabpanel\" tabindex=\"0\" class=\"tab-pane\" aria-labelledby=\"section-tab-373fd24f\" id=\"section-content-373fd24f\">\n<div id=\"everviz-VpDtj6MKT\" class=\"everviz-VpDtj6MKT\" data-view=\"graph\"><\/div>\n<\/div>\n\n\n\n<div role=\"tabpanel\" tabindex=\"0\" class=\"tab-pane\" aria-labelledby=\"section-tab-a2970a6a\" id=\"section-content-a2970a6a\">\n<div id=\"everviz-PMO8CGdL7\" class=\"everviz-PMO8CGdL7\" data-view=\"graph\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-light-grey-color has-alpha-channel-opacity has-light-grey-background-color has-background is-style-wide wide\" \/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-spotlight-on-spending-canadians-aren-t-holding-back-on-discretionary-services\">Spotlight on spending: Canadians aren\u2019t holding back on discretionary services<\/h3>\n\n\n\n<p>Discretionary categories showed particularly strong growth with spending on goods (2.1% month-over-month, seasonally adjusted) offsetting recent declines. Discretionary services spending picked up momentum up 2.5% with maintained strength in food and dining (2.2%), and entertainment and art (2.5%). Spending on travel remained an outlier, dipping 1.9% from March on a seasonally adjusted basis as better weather and growing reservations about the U.S. kept Canadians close to home. &nbsp;<\/p>\n\n\n\n<div id=\"everviz-NF9EmivOn\" class=\"everviz-NF9EmivOn\" data-view=\"graph\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-spending-at-gas-stations-dipped-as-carbon-tax-rolled-off\">Spending at gas stations dipped as carbon tax rolled off<\/h3>\n\n\n\n<p>Spending on essentials also rebounded (1.6%) in April after two consecutive monthly declines\u2014though increases were more muted than discretionary categories. Gasoline spending\u2014the third largest category we track\u2014fell 1.3% from March, reflecting the end of the consumer carbon tax on April 1. Consumers likely purchased higher volumes of fuel, but total spending still slumped as after-tax prices declined.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consumer-spending-perks-up-in-most-provinces\">Consumer spending perks up in most provinces<\/h3>\n\n\n\n<p>The continued recovery in spending in April was broadly consistent across provinces with most jurisdictions seeing gains from March. Prince Edward Island and Newfoundland and Labrador bucked the trend with spending dipping 7.8% and 3.5%, respectively. We caution against reading too much into monthly fluctuations due to data volatility\u2014especially in provinces with smaller sample sizes.<\/p>\n\n\n\n<p>Saskatchewan (5.8%) and British Columbia (3.1%) posted the most notable jumps in overall spending\u2014led by an uptick in household and construction-related purchases. A recovery in this segment would be particularly critical for B.C., given the construction sector was a significant source of <a href=\"https:\/\/www.rbc.com\/en\/thought-leadership\/economics\/leadership-shuffle-prairie-provinces-powered-canadas-growth-in-2024\/\" data-dig-id=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker-8252-186c35de\" data-dig-label=\"weakness\" data-dig-action=\"link click\" data-dig-category=\"LP-CanadianAnalysis-RBCConsumerSpendingTracker\" class=\"rbc-link-format\">weakness<\/a> in its economy last year. Construction-related spending in B.C. has been gaining momentum since late 2024 with current levels hitting the highest point in a year.<\/p>\n\n\n\n<div id=\"everviz-zz3ol5ouD\" class=\"everviz-zz3ol5ouD\" data-view=\"graph\"><\/div>\n\n\n\n<div id=\"everviz-gYzbtjArS\" class=\"everviz-gYzbtjArS\" data-view=\"graph\"><\/div>\n\n\n\n<div id=\"everviz-9FdZ7w62t\" class=\"everviz-9FdZ7w62t\" data-view=\"graph\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-light-grey-color has-alpha-channel-opacity has-light-grey-background-color has-background is-style-wide wide\" \/>\n\n\n\n<p class=\"has-text-align-center\"><strong>About the Author:<\/strong><\/p>\n\n\n\n<p><em><strong>Rachel Battaglia<\/strong><em>&nbsp;is an economist at RBC, providing forecasts for the Canadian provincial economies and analyzing key trends in housing and consumer spending.<\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-light-grey-color has-alpha-channel-opacity has-light-grey-background-color has-background is-style-wide wide\" \/>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":318,"featured_media":3183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[83,106],"tags":[115,107],"rbc_econ_content_type":[],"class_list":["post-8252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-canadian-analysis","category-rbc-consumer-spending-tracker","tag-canada","tag-consumer-spending"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RBC Canadian cardholder spending continues to defy broader concerns - RBC Economics<\/title>\n<meta name=\"robots\" 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