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Recommended RBC credit cards.

RBC is one of the biggest financial institutions in Canada and carries an extensive offering of RBC credit cards to fit many individual needs. Whether you want to focus on travelling, getting free merchandise, or just getting cash back, these are our picks for the most competitive RBC credit card offers. Compare the best RBC credit cards in Canada to find the best card for you.

Most popular RBC card.

With a cashback rate of 1.5% across unlimited purchases, extended purchase protection, and access to exclusive World Elite Experiences and Offers, there’s no denying this is a premier card for those who want to get the most from their everyday spending. This premium credit card comes with a $99 annual fee and requires a personal income of at least $80,000, or a minimum household income of $150,000. Cardholders have the option of setting up pre-authorized payments so that they can earn cash back without effort. They can also get supplementary cards at no extra charge. Perks include access to Boingo Wi-Fi across the globe, exclusive concierge services, and Priceless Cities, a program that connects cardholders to entertainment opportunities where they live or travel.

RBC Cash Back Preferred World Elite Mastercard.

RBC Cash Back Preferred World Elite Mastercard

Annual fee $99
Rewards rate 1.5% cash back.
Bonus offer Not available.
Interest rate 19.99%

Best RBC travel rewards card.

The Visa Infinite Avion is made for those who have been bitten with the travel bug and those whose line of business takes them across borders. As a premium card, it comes with an annual fee of $120. It also requires a minimum personal income of $60,000, or a minimum household income of $100,000. Cardholders earn one RBC Rewards point for every dollar spent and an extra 25% on eligible travel-related purchases. The card also comes with plenty of insurance coverage, including trip cancellation, emergency medical, hotel and rental car coverage, and purchase protection. You can also enjoy low exchange rates with your RBC travel credit card. Finally, as a Visa Infinite member, cardholders will gain access to exclusive benefits such as hotel upgrades, dining experiences, and more.

RBC Visa Infinite Avion.

RBC Visa Infinite Avion

Annual fee $120
Rewards rate 1 RBC Rewards point for every $1 spent, plus 25% extra on eligible travel purchases.
Bonus offer Up to 15,000 welcome points.
Interest rate 19.99%

Best RBC low-interest card.

Most standard-issue credit cards will charge you nearly 20% interest on outstanding balances, but RBC’s Visa Classic Low Rate Option card charges only 11.99% — and has an annual fee of only $20 to boot. If your priority is paying down your balance rather than, say, earning cash back and rewards, the Visa Classic Low Rate Option is a card you should definitely consider.

RBC Visa Classic Low Rate Option.

RBC Visa Classic Low Rate Option

Annual fee $20
Rewards rate Not available.
Bonus offer Not available.
Interest rate 11.99%

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The RBC advantage.

RBC is one of Canada’s oldest and largest financial institutions with a brand that’s synonymous with trust and quality service. Apart from credit cards, RBC offers a full suite of banking services including chequing accounts, savings solutions, mortgages, and more.

Here’s more on why Canadians love RBC credit cards.

Flexible rewards programs

RBC credit card holders can take advantage of RBC Rewards, the bank’s robust and flexible rewards program. Points can be redeemed for gift cards, statement credit, and brand name merchandise. You can even use the points to save on travel flights, hotels, car rentals, cruises, and more. Avion is RBC’s signature travel rewards program. Cardholders who collect Avion points are never subject to blackout periods, seat restrictions, or unnecessary stopovers. The earn rate for Avion points straightforward — the ratio is one to one — so it’s easy to keep track of your points balance. But you can increase your earning potential when you use the card for rental cars and hotels (1.25 points for every dollar spent) or using it to pay for your Uber rides (two points for every dollar spent). Explore all of RBC’s credit card rewards options.

The latest mobile banking technology

RBC makes banking easier with its online services and mobile apps. Use the RBC Wallet app on your NFC-enabled Apple or Android phone to make secure, contactless payments to your debit and credit cards. RBC cards also integrate with Apple Pay, allowing you to make quick and easy instore and online payments with your RBC credit card.

The most satisfied customers in the business

RBC has received recognition for its leadership in customer service. In 2016, global marketing research firm J.D. Power ranked RBC the best out of the Big Five banks for customer satisfaction. It has also taken top spot at the Retail Banker International Awards competition three times in a row, winning Global Retail Bank of the Year in 2014, 2015, and 2016. RBC has partnerships with both Visa and MasterCard, offering you an array of RBC Mastercard credit cards and RBC Visa credit cards. RBC currently has no RBC Amex credit cards. Please visit the RBC credit card site for more information on RBC partnerships and RBC credit card promotions and deals.

Choosing the right RBC credit card

Doing a side-by-side comparison of the top RBC credit cards can help you easily pick the right card for your lifestyle. RBC offers the following types of RBC credit cards in Canada:

  • RBC no annual fee credit cards: An RBC no annual fee credit card gives you the ultimate flexibility of going cashless, while still enjoying great credit card benefits such as Apple Pay.
  • RBC rewards credit cards: Looking to get more out of your credit card? RBC rewards credit cards offer points, cash back and several more rewards options to choose from.
  • RBC travel credit cards: All RBC travel credit cards have amazing benefits such as travel rewards, travel perks, discounts and much more. With an RBC travel credit card, each time you spend money through your card, you move closer to earning travel rewards.
  • RBC low interest rate credit cards: Stop paying high interest charges with a low interest rate credit card from RBC. Once you move to a low interest rate card, you can easily pay down your revolving credit card balance.
  • RBC student credit cards: Start building your credit history with an RBC student credit card. With RBC, you can also enjoy a wide variety of student credit card perks such as a zero annual fee.

How to apply for an RBC credit card

You can apply for a new RBC credit card by completing an RBC credit card application online on the RBC website.

To complete the application, you’ll need to give the following information:

  • Your legal name
  • Your current and previous addresses
  • Your annual income
  • Your employment details

RBC will use all the information to pull your personal credit history and review your eligibility for the applied RBC credit card and credit limit. This hard credit check can temporarily drop your credit score, but that should bounce back if you don’t miss any credit card payments.

On passing the RBC credit card eligibility check, you’ll receive your new card in the mail. Follow the RBC credit card activation steps to start using your new card.

About RBC

Founded in Halifax in 1864, the Royal Bank of Canada is one of Canada's youngest banks — at least among the major institutions. Since the end of the First World War, strategic mergers and expansions have propelled RBC past its competitors. RBC is now headquartered in Toronto and has been the biggest of the Big Five banks for most of the past century. RBC also boasts an impressive credit card portfolio. If you're looking for a top-tier travel rewards card or a basic, no-fee option, RBC's selection won't disappoint.

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