Best RBC Credit Cards in Canada for 2025
The Royal Bank of Canada, commonly known as RBC, is one of Canada’s ‘Big Six’ banks, offering a wide selection of credit cards that cater to diverse consumer needs. Here’s a look at the top RBC credit cards available.
Best RBC Credit Cards in Canada
Top RBC Credit Cards
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Methodology
BACK TO TOPTypes of RBC credit cards
RBC offers cashback, travel, rewards, student, business, low-interest, and no-fee credit cards, using both Mastercard and Visa networks.
Cashback cards
Earn money back on everyday spending:
RBC Cash Back Preferred World Elite Mastercard.
RBC® Cash Back Mastercard‡.
RBC® Business Cash Back Mastercard‡.
Rewards cards
Earn points to maximize everyday spending on gas, groceries, and dining:
moi RBC Visa.
More Rewards RBC Visa.
RBC ION Visa Credit Card.
RBC ION+ Visa Credit Card.
Travel cards
Earn travel rewards (Avion points, WestJet points, Avios points) and often come with perks like lounge access and travel insurance:
RBC Avion Visa Platinum
RBC Avion Visa Infinite Privilege – A Luxury Travel Credit Card.
RBC U.S. Dollar Visa Gold (ideal for frequent cross-border travelers).
RBC® British Airways Visa Infinite‡.
WestJet RBC Mastercard
RBC Avion Visa Infinite Business.
RBC Avion Visa Business.
Low-interest cards
Low-interest cards lower-than-average interest rates for managing balances and debt:
RBC RateAdvantage Visa Credit Card.
RBC Visa CreditLine for Small Business.
RBC® Visa‡ Classic Low Rate Option
No-fee credit cards
No-fee credit cards don’t charge an annual fee, great for cost-conscious cardholders:
moi RBC Visa.
More Rewards RBC Visa.
More Rewards RBC Visa Infinite.
RBC ION Visa Credit Card.
RBC RateAdvantage Visa Credit Card.
RBC Visa Platinum.
RBC® Cash Back Mastercard‡.
Business cards
Business credit cards manage business spending, earn rewards, and streamline operations:
RBC Avion Visa Business.
RBC Avion Visa Infinite Business.
RBC Visa Business.
RBC Visa CreditLine for Small Business.
RBC® Business Cash Back Mastercard‡.
Student cards
Student credit cards are designed with lower fees and interest to help students build credit, as regular card use and timely payments contribute positively to credit history.
moi RBC Visa.
RBC Avion Visa Platinum.
RBC ION Visa Credit Card.
RBC ION+ Visa Credit Card.
RBC® Cash Back Mastercard‡.
WestJet RBC Mastercard.
Costs and features of RBC credit cards
Reward programs:
Avion points.
Avios points (British Airways).
Cash back.
Moi points.
More Rewards
Westjet points.
Features for cardholders:
Save 3 cents per litre on fuel by linking your RBC card to Petro-Points.
Use the free ShopPlus browser extension from Avion Rewards to automatically find discounts while shopping online.
Get extra points or exclusive discounts when shopping with RBC partners such as Metro, Food Basics, Jean Coutu, Save-on-Foods, DoorDash, and Rexall.
Interest rates typically range from 12.99% to 20.99%, with cash advances around 22.99%. Lower interest rate options and variable rate cards are available.
Annual fees range from $0 to $399. Cards with fees usually offer higher-value rewards or perks.
How to choose the best RBC credit card for you
When selecting an RBC credit card, keep the following factors in mind:
Eligibility. Make sure you meet the requirements, including age, location, income, and credit score, to improve your chances of approval.
Annual fees. Cards with annual fees typically offer better rewards and perks. Ensure the value of these benefits outweighs the cost.
Interest rate. If you typically carry a balance, choose a card with a lower interest rate to minimize costs. Ideally, aim to pay your balance in full each month.
Reward points or cash. Cashback cards offer simplicity, while rewards points cards can offer higher value but may have more complex redemption options.
Who should get an RBC credit card?
RBC cards are particularly appealing for flexible travel rewards via the Avion Rewards program, allowing redemption for travel, merchandise, gift cards, bills, and charitable donations.
RBC is also the exclusive issuer of co-branded cards for WestJet and British Airways — handy if you’re a frequent flyer on either airline.
How to apply for an RBC credit card
Choose your preferred card online at RBC's website.
Verify eligibility and income requirements.
Existing RBC clients can expedite the application by logging into their account.
Provide personal details, income information, and optionally add authorized users.
Review terms and conditions and submit.
Approved applicants can immediately use their cards via Apple Pay through the RBC Mobile app (available within 48 hours).
Frequently asked questions
How long does it take to receive an RBC credit card?
How long does it take to receive an RBC credit card?
Typically, 7-10 business days after approval.
How do I activate my RBC credit card?
How do I activate my RBC credit card?
Activate online at rbc.com/activate or via RBC Online Banking. Phone activation is also available.
How can I redeem rewards from my RBC credit card?
How can I redeem rewards from my RBC credit card?
Redeem Avion Rewards at rbcrewards.com or airline-specific points (WestJet dollars, Avios, Asia Miles) directly through their loyalty programs.
What happened to HSBC credit cards after RBC's acquisition?
What happened to HSBC credit cards after RBC's acquisition?
On March 28, 2024, RBC acquired HSBC Bank Canada. HSBC credit cardholders were transitioned to similar RBC cards. Key account details, like credit limits and cashback rewards, remained unchanged. However, interest rates, fees, reward earn rates, account numbers, and insurance coverage may have changed. HSBC Rewards points were converted 1:1 to RBC Avion points.
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