Guide to RBC Credit Cards in Canada
The Royal Bank of Canada (RBC) offers one of the broader credit card lineups among Canada’s Big Banks, with travel cards, everyday rewards cards, cash-back cards, low-interest cards and co-branded cards tied to programs like WestJet Rewards, British Airways Avios, More Rewards and Moi.
What makes RBC distinctive is less any single card and more the ecosystem around its cards: Avion Rewards, linked partner perks, for some existing RBC clients, overlap with broader banking benefits.
That means the right RBC credit card depends not just on the card itself, but on the kind of rewards you want and whether RBC’s surrounding perks and integrations will actually be useful to you.
The best RBC credit cards in Canada right now
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Points on eligible travel-related purchases
Points on everything else.
The RBC Avion Visa Infinite simplifies reward accrual with 1 Avion point per $1 spent and boosted rates of 1.25x on travel purchases. A broad swath of insurance coverage, paired with value-adding extras like gas, car rental and food delivery discounts, makes this a well-rounded card for travellers. Best for: Travellers who want flexible rewards points and built-in travel protections.
Pros
- Car rental discounts of up to 20% at Hertz.
- Fuel discounts of 3 cents per litre at Petro-Canada.
Cons
- No airport lounge access.
- Highest earn rate only applies to travel spending.
- Get up to 55,000 Avion points¹ (max travel value of $1,100†), that’s up to 3 round trip flights^. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months¹. Apply by June 15, 2026.
- Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
- Avion Visa Infinite Cardholders can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
- Avion Visa Infinite Cardholders earn points that never expire so your points will be waiting for your next adventure.
- Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avion Visa Infinite Cardholder.
- Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
- Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
- Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
- Get access to RBC offers which provides access to earn points faster at specified brands.
- Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family.
- Avion Visa Infinite Cardholders get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
- Avion Visa Infinite Cardholders no longer need 14-days to book travel using the RBC grid.
- Add your credit card to your DoorDash account and get a free 12 monthly DashPass subscription¹⁶
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
- Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
The RBC Avion Visa Infinite is RBC’s strongest general travel card if you want flexibility without committing to one airline program. Its value comes less from everyday earn and more from what Avion points can do once you have them: fixed-point flight redemptions, transfer options and more flexibility than RBC’s airline co-brands. It works especially well alongside a stronger everyday earner like the RBC ION+.
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Points on groceries.
Points on dining & food delivery.
Points gas & electric vehicle charging.
Points on rideshare.
Points on daily public transit.
Points on all other qualifying purchases.
A solid, low-fee everyday earner with rewards rates that top out at 3x Avion points per dollar spent. Practical perks include fuel discounts and no annual fees for students, but insurance offerings are limited. Best for: Students and everyday shoppers seeking rewards on groceries, gas, entertainment and rideshares.
Pros
- Low $48 monthly fee.
- Fuel discounts of 3 cents per litre at Petro-Canada.
- Annual fee rebates for RBC Advantage Banking Account for Students account holders.
Cons
- Limited insurance coverage.
- Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards!† Get 7,000 Welcome Points and earn 14,000 bonus points when you spend $1,500 in your first 6 months^. Apply by May 6, 2026.
- Earn 3X Avion points for every $1 spent¹ on:
- Grocery, Dining & Food Delivery - Satisfy your taste buds by earning points on groceries, dining out, food delivery.ⁱ
- Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.ⁱⁱ
- Streaming, Digital Gaming & Subscriptions– Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.ⁱⁱⁱ
- Earn 1 Avion point for every $1 spent on all other qualifying purchases.¹
- Annual Fee $48.
- Pay With Points – Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer⁴. Minimum redemption is only $10, so you can use your points where you need them most.
- Save at Petro-Canada – Save 3¢/L on fuel and earn 20% more Petro-Points and 20% more Avion points when you pay with a linked RBC card.⁶
- Earn more Be Well points at Rexall – Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.⁷
- Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription⁶
- Earn Moi points at Metro - earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)
- When you shop at Metro, Food Basics or Super C, and spend at least $60, you’ll get 1 additional Moi point for every 2 dollars you spend. When you shop at Brunet or Jean Coutu and spend at least $40 you’ll get 1 extra Moi point for every 2 dollars spent and when you shop at Premiere Moisson, and spend at least $20, you’ll get 1 extra Moi point for every 2 dollars spent.
- Students or Anyone 24 and Younger Receive an Annual Fee Rebate – Get the annual fee rebated every month if you open an RBC Advantage™ Banking Account for Students¹⁰.
- Mobile Device Insurance⁵ Included – Get 2 years of coverage up to $1,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.
- Purchase Security and Extended Warranty Insurance⁵ – Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer's original Canadian warranty by up to one additional year, to a maximum of five years.
- Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
- ^ This offer only applies to new applications for an RBC ION+ Visa credit card received between January 21, 2026 and May 6, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION+ Visa credit card during the Offer Period, are not eligible for this offer. 7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status. 14,000 additional Avion points (“Bonus Points”) will be awarded to you if a total of $1,500 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $1,500 in Qualifying Transactions, provided your Credit Card Account is in good standing at the time the Bonus Points are credited to your account.
A solid everyday earner in RBC’s core rewards lineup, with elevated earn rates on common spending categories like groceries, dining and gas. It works especially well alongside the RBC Avion Visa Infinite, which gives those points more travel flexibility. It’s also one of the more accessible points cards in the lineup, including for students.
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This low-interest card was made to cut borrowing costs with fixed interest rates on purchases, cash advances and balance transfers. There’s no rewards program, and insurance offerings are limited, but fuel discounts and complimentary DoorDash subscriptions provide additional value. Best for: People who typically carry a balance and don’t mind a low annual fee in favour of predictable fixed low interest rates.
Pros
- Low $20 annual fee.
- Fixed low interest rates.
Cons
- Doesn’t earn rewards.
- Limited insurance coverage.
- Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year*. Apply by June 15, 2026.
- Purchase security and extended warranty insurance.⁴
- Link your RBC card with a Petro-Points membership and instantly save on fuel at Petro-Canada stations and earn 20% more Petro-Points.
- Get a 6-month complimentary DashPass subscription – a value of almost $60. Plus, enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card⁷,⁸
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
- Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
- ^ In order to benefit from the 0.99% introductory interest rate on cash advances for 10 months, your application must be submitted by June 15th, 2026 and approved by us. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set-up with a merchant). All other account activities, including purchases, are subject to the standard account annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory interest rate until your statement is prepared, the next processing day. Once the offer expires: (i) all cash advances; and (ii) any remaining balances, which were subject to the introductory interest rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard interest rate and cash advances at an introductory or promotional interest rate (e.g. a special lower rate balance transfer, or a temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. Please see the RBC Royal Bank Credit Card Agreement for details on how we allocate your payments. If you miss making any minimum payment by the payment due date and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or promotional interest rate offer(s) in which you are participating and any remaining balance(s) which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement, beginning on the first day of the third statement period after the missed payment. Cash advances do not qualify for Avion® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Balance transfers cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. Please call customer service at 1-800 ROYAL 1-2 (1-800-769-2512) for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details. * To be exempt from the RBC Visa Classic Low-Rate Option annual fee for one year, your application must be received by June 15th, 2026, and approved by us. Additional cardholders (co-applicant and authorized user(s)), existing RBC Visa Classic Low-Rate Option cardholders, as well as existing cardholders of any RBC personal credit cards, applying for or transferring to an RBC Visa Classic Low-Rate Option, as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer.
This earns the low-interest spot because it is the more predictable option. The appeal is straightforward: a fixed 12.99% rate on purchases, cash advances and balance transfers, plus a limited-time introductory balance transfer offer. That makes it easy to understand and use when your priority is managing interest costs.
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Points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations².
Points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare³.
Points for every dollar you spend on all other everyday purchases².
Free checked bags, airport lounge access, an annual companion voucher, and the ability to earn WestJet points on everyday purchases are just a few of the perks this card has to offer — not to mention the full suite of insurances. But if you don’t fly WestJet often, or don’t meet the minimum $80,000 annual income requirement, this card won’t be worth your while. Best for: Frequent travellers who are loyal to WestJet and its partner airlines.
Pros
- Annual companion pass from $119.
- Free checked bags for you and up to 8 guests.
- Full suite of travel insurance.
Cons
- DragonPass membership only — airport lounge visits cost extra.
- High $80,000 minimum income requirement.
- Get up to 45,000 WestJet points¹: 25,000 welcome WestJet points upon your first purchase and an additional 20,000 WestJet points when you spend a minimum of $5,000 in the first 3 months.
- Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard⁴
- Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card⁵
- Receive an annual round-trip companion voucher starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card⁵, or choose to exchange it for one of the following: a 30% flight discount for one traveller⁸, a $200 credit towards a WestJet Vacations package or Sunwing Vacations package⁹, or two airport lounge passes¹⁰
- Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations²
- Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare³
- Earn 1.5 points for every dollar you spend on all other everyday purchases²
- WestJet points can now be redeemed to cover taxes, fees and surcharges⁹
- You can truly relax while you’re travelling with comprehensive coverage, now including Trip Cancellation insurance⁶.
- WestJet points never expire. Use your WestJet points to book flights anytime so you can travel when and where you want – no blackout periods.
- Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁹. Even eligible purchases you make on the card are protected.
- Save at Petro-Canada – Save 3¢/L on gas and earn 20% more Petro-Points when you pay with a linked RBC card.⁷
- Earn more Be Well points at Rexall – Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC credit card.⁸
- Enjoy unlimited $0 delivery fees with DoorDash – Get a complimentary DashPass subscription⁹ from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees10 on orders of $15+ when you pay with an eligible RBC credit card.
- Enjoy airport lounges worldwide: Your WestJet RBC World Elite Mastercard entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.¹¹ This program offers access to more than 1,300 airport lounges globally, plus valuable airport dining and spa offers. Download the Mastercard Travel Pass app and register at mastercardtravelpass.dragonpass.com
- Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
- Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
This is not the best travel card for most people, but it can make sense if WestJet is already the airline you actually use. The value for this card is practical, not flexible: free checked bags, an annual companion voucher and other WestJet-specific perks matter most when they fit an existing travel pattern. New partnership benefits make the card more interesting than it used to be, but this is still a niche airline card, not a broad travel pick.
More RBC credit cards worth considering
| Card | NerdWallet rating | Intro offer | Annual fee | Apply Now |
|---|---|---|---|---|
| moi RBC Visa | ||||
 | 4.1/5 | Up to 5,000 Points | $0 | |
| RBC Avion Visa Infinite | APPLY NOW on RBC's website | |||
 APPLY NOW on RBC's website | 4.9/5 | Up to 55,000 Points | $120 | |
| RBC Avion Visa Infinite Privilege | APPLY NOW on RBC's website | |||
 APPLY NOW on RBC's website | 4.1/5 | Up to 70,000 Points | $399 | |
Methodology
BACK TO TOPWhy choose an RBC credit card
RBC’s biggest advantage as a credit card issuer is its ecosystem. RBC says Avion Rewards is Canada’s largest bank-owned loyalty program, and if you already have an RBC product or account, you likely already have an Avion Rewards account tied to your RBC login. That makes RBC’s rewards setup feel more integrated than a standalone card program.
RBC also leans hard on linked partner perks. Through eligible linked cards and accounts, RBC advertises 3X Canadian Tire Money at participating Canadian Tire banners, an extra Moi point for every $2 spent at participating Metro banners, 2X More Rewards points at participating Save-On-Foods family stores, free DashPass, 3¢/L off fuel plus 20% more Petro-Points and Avion points at Petro-Canada, and 5X more Be Well points at Rexall. Those perks will matter most if you already spend in those ecosystems.
There may also be value in keeping more of your products if you already bank with RBC. Through RBC’s Value Program, eligible clients can save on monthly account fees and earn Avion Rewards points on debit card purchases made from linked accounts.
The tradeoff is complexity. “RBC rewards” does not mean one thing. Depending on the card, you may be earning Avion points, cash back, More Rewards points, Moi points, WestJet points or Avios. In RBC’s lineup, choosing the rewards currency first is often more useful than choosing the card brand first.
RBC rewards programs and currencies
Avion Rewards
Avion is RBC’s flagship in-house rewards program, and it is deeply integrated with RBC’s broader banking, card and partner network. While it is often associated with travel, Avion is better understood as a broader program for earning, saving and redeeming across everyday spending. Depending on the product you hold, that can mean earning Avion points through eligible credit cards and, in some cases, debit purchases made through enrolled banking accounts.
RBC also extends Avion through linked partner integrations, with savings offers, accelerated earning opportunities and multiple redemption options. If you want the most “RBC” rewards experience, this is usually what you’re buying into.
Cash back
Some RBC cards skip points and offer simpler value through cash back. These are a better fit if you want straightforward rewards and do not care much about transfer partners, redemption strategy or partner ecosystems.
More Rewards
More Rewards is a partner program, not an RBC-run rewards currency. RBC says it includes more than 700 participating stores, primarily in Western Canada, so its value is more region-specific than Avion’s and depends more on where you already shop.
Moi points
Moi is another partner program rather than an RBC-owned rewards currency. It is tied to the moi RBC Visa and connected to Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson, so it is most compelling if you already shop regularly in that network. RBC and Avion also extend its value through linked offers on eligible cards.
WestJet Rewards
WestJet Rewards are still narrower than Avion, but they are not quite as travel-locked as they once were. Thanks to WestJet’s new partnership with Canadian Tire, linked members can now earn both WestJet points and Triangle Rewards on eligible purchases, giving the program a bit more everyday relevance beyond flights.
British Airways Avios
RBC’s British Airways Visa Infinite is the only Avios-earning credit card in Canada, which gives it a clear niche for frequent UK travellers.
Frequently asked questions
Is RBC a good credit card issuer?
RBC can be a strong fit if you want cards tied into a broader banking-and-rewards ecosystem. Its strengths are Avion Rewards, partner perks and overlap with RBC banking benefits. Its weakness is that the lineup is more fragmented than a simpler cash-back-focused issuer.
What is the best RBC travel credit card?
For most people, the RBC Avion Visa Infinite is the best flexible travel pick in RBC’s lineup because it offers a broader setup than the bank’s airline-specific cards. If you want to collect Avios in particular, the RBC British Airways Visa Infinite may be a better fit.
Does RBC have a good no-fee credit card?
Yes — but there is not just one obvious best option. More Rewards RBC Visa Infinite is a strong fit if you want no-fee rewards outside the Avion ecosystem and already shop in that network. The RBC Cash Back Mastercard is simpler if you would rather earn cash back than think about points. The best choice depends on whether you want Avion points, cash back or ecosystem-specific rewards.
Can I use an RBC credit card before it arrives in the mail?
In many cases, yes. RBC says eligible newly approved personal credit cards can appear in the RBC Mobile app within 48 hours and be added to Apple Pay before the physical card arrives.
What is the biggest thing to know about RBC rewards?
RBC does not use one single rewards currency across its lineup. You should know whether you are choosing Avion, cash back, More Rewards, Moi, WestJet Rewards or Avios, because that choice often matters more than the card branding itself.
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