Best RBC Credit Cards in Canada for 2025

Nov 4, 2025

The best RBC credit cards include popular co-branded cards and options for those wanting flexible travel rewards.

Written by Georgia Rose

Lead Writer & Content Strategist

Edited by Athena Cocoves

Managing Editor

Written by Georgia Rose

Lead Writer & Content Strategist

+ 1 more

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

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.

RBC's Best Credit Cards

👇 Use the tabs below to see a quick summary of the selections, or compare all to see the full product details.

Summary of the best RBC Credit Cards

Card	NerdWallet rating	Annual fee	Interest rates	Rewards rate	Apply Now
moi RBC Visa
	4.1/5	$0	20.99%/22.99%	1x-2x Points
RBC Avion Visa Infinite					APPLY NOW on RBC's website
	4.9/5	$120	20.99%/22.99%	1x-1.25x Points	APPLY NOW on RBC's website
RBC Avion Visa Infinite Privilege					APPLY NOW on RBC's website
	4.1/5	$399	20.99%/22.99%	1.25x Points	APPLY NOW on RBC's website

Methodology

NerdWallet Canada selects the best credit cards based on overall consumer value as well as their suitability for specific kinds of consumers. Factors in our evaluation methodology include each card’s earning rates, rewards structure (such as flat-rate or bonus categories), annual fee, redemption options, promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as insurance, loyalty bonuses or the ability to choose one’s own rewards categories.

Types of RBC credit cards

RBC offers cash-back, travel, rewards, student, business, low-interest, and no-fee credit cards, using both Mastercard and Visa networks.

Cash-back cards

Cash-back rewards 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

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

Travel rewards cards earn 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.
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
WestJet RBC World Elite 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 and streamline operations, and may earn rewards on eligible purchases:

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.

Cash-back rewards 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 rewards cards earn 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.
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
WestJet RBC World Elite Mastercard .
RBC Avion Visa Infinite Business.
RBC Avion Visa Business.

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 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 credit cards manage business spending and streamline operations, and may earn rewards on eligible purchases:

RBC Avion Visa Business.
RBC Avion Visa Infinite Business.
RBC Visa Business.
RBC Visa CreditLine for Small Business.
RBC® Business Cash Back Mastercard‡.

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

Features for cardholders:

Save 3 cents per litre on fuel by linking your RBC card to Petro-Points.
Use the free Avion Rewards ShopPlus browser extension to automatically find discounts while shopping online. (Open to all RBC clients).
Get extra points or exclusive discounts when shopping with RBC partners such as Metro, Food Basics, Jean Coutu, Save-on-Foods, DoorDash, and Rexall.

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.

Frequently asked questions

How do I apply for an RBC credit card?

You can apply for an RBC credit card online, over the phone, or at a branch. Approved applicants can immediately use their cards via Apple Pay through the RBC Mobile app (available within 48 hours).

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?

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?

Redeem Avion Rewards at rbcrewards.com or airline-specific points (WestJet points, Avios, Asia Miles) directly through their loyalty programs.

DIVE EVEN DEEPER

9 Best Aeroplan Credit Cards in Canada for 2025

Shannon Terrell

The Platinum Card From American Express Review 2025: Is It Worth It?

Georgia Rose

Woman considering her credit card choices.

Costco Credit Card vs. Amazon Credit Card: How to Choose

Beth Buczynski

Woman banking on her phone while smiling.

Canada’s 23 Best Online Savings Accounts for 2025

Siddhi Bagwe

Best RBC Credit Cards in Canada for 2025

RBC's Best Credit Cards

Summary of the best RBC Credit Cards