The range of RBC credit card options cover a vast variety of standard, premium, business, rewards, student and balance transfer credit cards. Depending on the RBC credit card you choose, you may be rewarded with points per dollar spent, low interest rates, zero or low annual fees, complimentary perks and many other rewards.
Our best RBC credit card guide below covers the different types of RBC credit cards offered, as well as the features and benefits of the different cards. Learn about the eligibility requirements, as well as how to apply for an RBC credit card. Finally, we cover some of the most frequently asked questions when it comes to RBC credit cards.
Best RBC credit card by category
Best RBC credit card for earning rewards on everyday spending: RBC ION Visa
The RBC ION Visa helps you earn rewards on the important purchases you make in your everyday life such as groceries, rideshares, daily transit, digital gaming, streaming and subscriptions. Earn 1.5 Avion points for every $1 spent on groceries, rideshares, daily transit, digital gaming, streaming, subscriptions and more. Earn 1 Avion point for every $1 spent on all other qualifying purchases. And with a $0 annual fee you can't lose. Like with other RBC cards, you'll also be able to earn more and save at Petro Canada, Rexall and DoorDash.
Annual fee. This card has an annual fee of $0.
Earn rewards. Earn 1.5 Avion points for every $1 spent on groceries, rideshares, daily transit, digital gaming, streaming, subscriptions and more. Earn 1 Avion point for every $1 spent on all other qualifying purchases.
Save on gas and earn more. Save 3¢/L on fuel at Petro-Canada and earn 20% more Petro and Avion points when you pay with your card and link your Petro-Points membership.
Special offer.Get 3,500 Avion points when you get approved for the card. Apply by January 15, 2025.
Good credit is required. You'll need a score of at least 660 to qualify for this card.
Annual Fee
$0
Purchase APR
20.99%
Cash Advance Rate
22.99%
Balance transfer APR
22.99%
Welcome offer
Get 3,500 Avion points when you get approved for the card. Apply by January 15, 2025.
Rewards
Earn 1.5 Avion points for every $1 spent on groceries, rideshares, daily transit, digital gaming, streaming, subscriptions and more. Earn 1 Avion point for every $1 spent on all other qualifying purchases.
Best RBC cash back credit card: RBC Cash Back Preferred World Elite Mastercard
The RBC Cash Back Preferred World Elite Mastercard is a cash back and travel card combined. Earn up to 1.5% cash back on all eligible purchases. You'll be able to earn additional rewards at Petro Canada and Rexall, save at DoorDash and get airport lounge access.
Earn rewards. Earn up to 1.5% cash back on all eligible purchases.
Earn more. Link your card and instantly save 3¢/L on fuel at Petro-Canada and always earn 20% more Petro-Points. Get 50 Be Well points at Rexall for every $1 spent on eligible products and redeem your points faster with 25,000 Be Well points for $10. Plus, save at DoorDash with $0 delivery fees for 12 months and get unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Travel perks. Get mobile internet access at over 1 million hotspots worldwide and on select airlines with Boingo. You can also get Mastercard Travel Rewards cash rebates at international retailers and restaurants. This card also comes with Mastercard Airport Experiences provided by LoungeKey to 800+ airport lounges worldwide (fees apply for lounge access).
Car rental coverage. Car rental insurance covers loss and damages up to the actual cash value of the damaged or stolen rental vehicle, along with valid rental agency towing and loss of use charges.
Annual fee. This card has an annual fee of $99.
Currency conversion. The RBC Cash Back Preferred World Elite Mastercard has a foreign transaction fee of 2.5%.
Minimum income requirement. You'll need to earn a personal income of at least $80,000, or a combined household income of at least $150,000 annually to apply.
Annual Fee
$99
Purchase APR
20.99%
Cash Advance Rate
22.99% (21.99% if you reside in Quebec)
Balance transfer APR
22.99%
Welcome offer
N/A
Rewards
Earn up to 1.5% cash back on all eligible purchases.
Please note: All information about RBC Cash Back Preferred World Elite Mastercard has been collected independently by Finder and this card is not available through this site.
Best RBC no-fee cash back card: RBC Cash Back Mastercard
The RBC Cash Back Mastercard is a no-fuss card that allows you to earn cash back on everyday purchases. Get up to 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments. This card also lets you earn more rewards at Petro Canada and Rexall, and save at DoorDash.
Annual fee. This card has an annual fee of $0.
Earn rewards. Get up to 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
Earn more. Link your card to Petro-Canada to save 3 cents per litre on fuel and earn 20% more Petro-Points. Get 50 Be Well points per dollar spent at Rexall. Enjoy a free 3-month DashPass subscription with DoorDash, and get unlimited $0 delivery fees on orders of $15+ when you pay with your card.
Purchase protection. Purchase Security and Extended Warranty Insurance protects purchases made on your card against loss, theft or damage for up to 90 days, while also doubling the manufacturer's original Canadian warranty for up to 1 extra year..
Tiered earning. N/A
Currency conversion. This card has a foreign transaction fee of 2.5%.
Annual Fee
$0
Purchase APR
20.99%
Cash Advance Rate
22.99%
Balance transfer APR
22.99%
Welcome offer
N/A
Rewards
Get up to 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
Please note: All information about RBC Cash Back Mastercard has been collected independently by Finder and this card is not available through this site.
Best RBC Avion credit card: RBC Avion Visa Infinite
The RBC Avion Visa Infinite is a solid travel card, offering perks and travel rewards for any frequent flyer. Earn 1 Avion point for every $1 you spend and an extra 25% on eligible travel purchases. Every 100 points you earn with this card equals CAD$1 that you can use for flights and other perks. You'll also get a suite of travel insurance coverage.
Earn rewards. Earn 1 Avion point for every $1 you spend and an extra 25% on eligible travel purchases.
Special offer.Get up to 55,000 Welcome Points. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by November 25, 2024..
Travel coverage. Travel with ease with trip cancellation and trip interruption insurance, and emergency medical. Plus, get Mobile Device Insurance worth up to $1,500 of coverage and purchase protection on eligible purchases made with your card.
Travel perks. Earn an extra 25% on eligible travel related purchases, and get no blackout periods or seat restrictions. Eligible Avion Rewards members can also convert their points to other loyalty programs like WestJet dollars and Hudson’s Bay Rewards points.
Car rental coverage. Earn 3x the points and get 20% off at Hertz.
Annual fee. This card has an annual fee of $120.
Currency conversion. This card has a foreign transaction fee of 2.5%.
Minimum income requirement. You'll need to earn a personal income of at least $60,000, or a combined household income of at least $100,000 annually to apply.
Annual Fee
$120
Purchase APR
20.99%
Cash Advance Rate
22.99%
Balance transfer APR
22.99%
Welcome offer
Get up to 55,000 Welcome Points. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by November 25, 2024.
Rewards
Earn 1 Avion point for every $1 you spend and an extra 25% on eligible travel purchases.
Best RBC airline travel credit card: WestJet RBC World Elite Mastercard
The WestJet RBC World Elite Mastercard is especially suited to frequent flyers who opt for WestJet. Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages. Save big on your travel plans and stay protected with travel insurance. Plus, you can earn extra and get discounts at Petro Canada, Rexall and DoorDash.
Earn rewards. Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages.
Earn more. If you link this card, you'll save 3¢/L on fuel at Petro-Canada and always earn 20% more Petro-Points. You'll also get 50 Be Well points at Rexall for every $1 spent and be able to redeem 25,000 Be Well points for $10. Plus, save at DoorDash with $0 delivery fees for 12 months and get unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Special offer. This card Get up to 450 WestJet dollars (value of up to $450 off the base fare) when you spend a minimum of $5,000 in the first 3 months on your card.
Travel coverage. You'll get This card comes with up to $500,000 Travel Accident Insurance plus coverage for out-of-province/country medical emergencies, trip interruptions, flight delays, emergency purchases and hotel/motel burglaries.
Travel perks. Tier status gives you more out of your travel experience with benefits like lounge access, priority services, advance seat selection, complimentary upgrades and higher WestJet dollar earn rates when you fly with WestJet. Plus, Receive an annual World Elite round-trip companion voucher. The primary cardholder and up to 8 guests get the first checked bag free on WestJet flights. You'll also get free wifi at over 1 million Boingo hotspots worldwide, and Mastercard Airport Experiences by LoungeKey to 800+ airport lounges worldwide (lounge access fees apply).
Purchase protection. Purchase Security covers eligible items charged to your card against accidental physical damage or loss for up to 90 days after the date of purchase. Extended Warranty Protection doubles the original manufacturer's warranty on eligible items up to a maximum of 1 year.
Annual fee. This card has a $119 annual fee.
Currency conversion. This card has a foreign transaction fee of 2.5%.
Minimum income requirement. You'll need to earn a personal income of at least $80,000, or a combined household income of at least $150,000 annually to apply.
Annual Fee
$119
Purchase APR
20.99%
Cash Advance Rate
22.99%
Balance transfer APR
22.99%
Welcome offer
Get up to 450 WestJet dollars (value of up to $450 off the base fare) when you spend a minimum of $5,000 in the first 3 months on your card.
Rewards
Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages.
Please note: All information about WestJet RBC World Elite Mastercard has been collected independently by Finder and this card is not available through this site.
We’ve chosen the credit cards on this page by considering a number of factors like rewards points, cash back, annual fees, interest rates, balance transfer offers and additional card benefits like signup bonuses. Since no single credit card will be the best choice for everyone, compare your options before deciding on the right card for your needs.
Types of RBC credit cards available
RBC offers a wide range of credit cards, including low rate and balance transfer cards, travel and rewards cards, student cards and business cards. There are also premium credit cards, including platinum, black and gold cards, that offer more benefits and complimentary extras, such as travel insurance, airport lounge access, concierge services and more points earning potential. Here’s a summary of each of the main types of RBC credit cards you can choose from:
RBC Balance Transfer credit cards
RBC offers a selection of low interest rate credit cards that typically have zero or low annual fees. These types of credit cards come with purchase security and extended warranty insurance, as well as optional extras like RBC Road Assist, Travel Insurance and Balance Protector Insurance.
RBC Travel Rewards credit cards
RBC offers a wide range of travel rewards credit cards that have partnerships with a variety of different airline providers including WestJet and British Airways. Receive bonus points on new card sign-ups, earn points per dollar spent and receive complimentary extras including travel insurance, vouchers and upgrades. RBC travel cards include the RBC Avion Visa Infinite Card, RBC Avion Visa Platinum Card, and Westjet RBC Mastercard.
Avion Rewards credit cards
Earn RBC Avion Rewards on every dollar you spend, which can be redeemed for cash back, gas, travel rewards, merchandise and more. Most rewards cards come with complimentary extras including insurance and purchase security. Avion rewards cards include the RBC ION Visa and RBC ION+ Visa.
RBC Cash Back credit cards
RBC offers a variety of cash back credit cards, which allow you to earn a percentage of your spending back. Cash back can be used to pay your credit card balance or can be used toward new purchases or merchandise. RBC cash back cards include the RBC Cash Back Preferred World Elite Mastercard and RBC Cash Back Mastercard.
RBC Student credit cards
RBC offers students lower rate and no annual fee credit cards. Earn more points per dollar spent, cash back rewards, bonus points and other perks. Student credit cards typically come with complimentary insurance and purchase protection.
RBC Business credit cards
Earn points for every dollar spent, as well as cash back or bonus welcome points. Choose from flexible and affordable cards with zero to low annual fees and low interest rates. Check out the RBC Business Cash Back Mastercard and the RBC Visa Business Card as examples.
RBC US dollar credit cards
RBC offers a US dollar credit card that allows you to avoid paying foreign currency conversion fees by charging you directly in US dollars. This card comes with complimentary insurance as well as other travel and rewards perks.
The benefits of RBC credit cards
Some of the features you can enjoy when you get an RBC credit card include:
RBC rewards
With an RBC credit card, you typically earn 1 point per $1-2 spent. Use your points to pay back your credit card balance or spend the points on merchandise through the online store.
RBC Internet and mobile banking
If you have an RBC credit card, you can access your account, including any debit or investment accounts, through RBC Online Banking. Furthermore, you can download the RBC app for your smartphone and access your accounts that way too. This means you can manage your account, pay bills, send transfers to other accounts in Canada and overseas, request a credit limit increase or apply for another RBC product at any time online or via the mobile app.
RBC credit card complimentary extras
Many RBC credit cards come with complimentary extras including Purchase Security and Extended Warranty Insurance. Premium cards, including black, gold and platinum credit cards, come with additional complimentary extras which may include travel insurance, car rental insurance, concierge services, airport lounge access, vouchers, memberships, luxury travel benefits and other extensive insurance coverage.
RBC credit cards security
RBC protect clients from any fraudulent activities with their state-of-the-art fraud monitoring system. You will be contacted immediately if there is an suspicious or unusual activity on your credit card. Alternatively, if you detect fraudulent activity on your credit, contact RBC immediately.
Gas rewards
RBC have teamed up with Petro Canada to offer more points per dollar spent at Petro Canada locations when you use an RBC credit card.
How to apply for an RBC credit card
If you’ve done your research and compared different credit card providers and have decided you’d like to apply for an RBC credit card, you can begin your secure online application by heading to the RBC website. This will take you to a secure RBC credit card application page, where you will be able to begin the application process if you have all of the necessary documents and details ready.
Before you get started on your application, ensure that you meet the eligibility requirements for the specific credit card and make sure that you have the necessary documents on hand. Eligibility requirements typically vary between cards but generally include the following:
RBC credit card eligibility requirements
How old are you? You should be at least 18 years old to apply for your own credit card.
What is your Canadian residency status? You usually need to be a Canadian citizen or a permanent resident of Canada to apply for a Canadian credit card.
What is your credit history like? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Some cards will accept fair to poor credit, however check with the provider on the specific card before you apply if you have less than good credit.
Information you will need for your RBC credit card application
If you meet the eligibility requirements for the credit card, you can proceed with your application by collecting the following information:
Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
Financial information. You will also need to detail information about your current employment, income and assets like shares or property and your employer’s contact details. If you’re self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.
RBC offer a range of credit cards that cater to individuals and business owners. Whether you are a student, a frequent traveller or a small business owner, there are credit cards to suit different lifestyles and financial needs. Be sure to compare your options before applying for a credit card, since there are so many different products on the market.
We’ve curated a list of the most commonly asked questions about RBC credit cards. If you can’t find the answer to your question here, or if you’d like to leave us some feedback, get in touch with us using the form at the bottom of this page.
You will receive your new RBC credit card in the mail and the card will have a phone number on it. You will need to call this number to activate your card. You will be required to confirm your identity and provide some details of the new card. Once you have activated your card via telephone, you will be able to use it immediately.
You can access RBC Online Banking via the secure RBC website. Alternatively, you can access your online banking details through the official RBC mobile app.
If you have a balance on your RBC credit card, interest will be calculated daily and charged monthly. Interest rates in Canada vary greatly, and can be as low as 0% (for balance transfer credit cards) to as high as 36%. Typical interest rates sit between 19.99% – 22.99%.
You can increase your credit limit by contacting RBC. Alternatively, you can ask for an increase in your credit limit online or via the mobile app. You can also decrease your limit if you wish via the same methods.
You will automatically be sent a new credit card in the mail. If you don't receive one, reach out to RBC directly.
If you think there has been an error regarding a transaction on your statement, contact the seller to try to resolve the issue. Be sure to carefully review the seller's return, refund and cancellation policies to make sure you've followed every one.
If you can't resolve matters with the seller or your card has been used to make an unauthorized transaction, call RBC credit card support at 1-800-769-2512. You can also send RBC a secure message through the Online Banking Message Centre. Under the Customer Service tab, click Communications > Contact us > Email. View your email in the Sent Messages folder of the Message Centre.
You can close your RBC credit card account via Online Banking or by calling the bank or visiting a teller in person at a branch.
The value of RBC Avion points depend on how you are redeeming them. When redeeming Avion points for gift cards, 140 Avion points is equal to $1 (0.71 CPP); when redeeming for travel: 172 Avion points equals $1 (0.58 CPP) and when using your Avion as Pay with Points, 172 Avion points is equal to $1 (0.58 CPP). For more on the Avion program, read our Avion guide.
Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog. See full bio
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
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