RBC Credit Cards
With premium options, travel perks and student cards, RBC offers credit cards that fit your spending needs.
The Royal Bank of Canada is the largest bank in Canada and offers a range of different credit cards to suit unique spending habits and financial situations. Whether you are seeking a personal or a business credit card, RBC offers a vast variety of standard, premium, business, rewards, student and balance transfer credit cards. Depending on the 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 guide 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.
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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:
- Balance Transfer credit cards
RBC offer 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.
- Travel Rewards credit cards
RBC offer a wide range of travel rewards credit cards that have partnerships with a variety of different airline providers including WestJet, British Airways and Cathay Pacific. Receive bonus points on new card sign-ups, earn points per dollar spent and receive complimentary extras including travel insurance, vouchers and upgrades.
- Rewards credit cards
Earn RBC points 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.
- Cash Back credit cards
RBC offer 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.
- Gas credit cards
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.
- Student credit cards
RBC offer 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.
- 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.
- US dollar credit cards
RBC offer 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 banking with RBC
Some of the features you can enjoy when you get an RBC credit card include:
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.
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 clicking on the green “Go to site” button. 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:
- 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 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.
Frequently asked questions about RBC credit cards
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.
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