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Best RBC credit cards in Canada

With premium options, travel perks and student cards, RBC offers credit cards that fit your spending needs.

Please note: All information about RBC has been collected independently by Finder and products from RBC are not available through this site.

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.

Best for cash back:
RBC Cash Back Preferred World Elite Mastercard

RBC Cash Back Preferred World Elite Mastercard logo
Credit recommended (Unknown-)
Read review
Unknown
Min. credit score
$99
Annual fee
Up to 1%
Cash back
n/a
Welcome offer
The RBC Cash Back Preferred World Elite Mastercard is a cash back and travel card combined. Earn 1.5% cash back on all eligible purchases, with no maximum cash back credits on your eligible purchases. You'll be able to earn additional rewards at Petro Canada and Rexall, save at DoorDash and get airport lounge access.
  • Earn rewards. Earn 1.5% cash back on all eligible purchases, with no maximum cash back credits on your eligible purchases.
  • Earn more. Link your card and instantly save 3¢/L on fuel at Petro-Canada and always earn 20% more Petro-Points. Get 50 Be Well points at Rexall for every $1 spent on eligible products and redeem your points faster with 25,000 Be Well points for $10. Plus, get $0 delivery fees at DoorDash for 12 months.
  • Travel perks. Get mobile internet access at over 1 million hotspots worldwide and on select airlines with Boingo. You can also get Mastercard Travel Rewards cash rebates at international retailers and restaurants. This card also comes with Mastercard Airport Experiences provided by LoungeKey to 800+ airport lounges worldwide (fees apply for lounge access).
  • Car rental coverage. Car rental insurance covers loss and damages up to the actual cash value of the damaged or stolen rental vehicle, along with valid rental agency towing and loss of use charges.
  • Annual fee. This card has an annual fee of $99.
  • Currency conversion. The RBC Cash Back Preferred World Elite Mastercard has a foreign transaction fee of 2.5%.
  • Minimum income requirement. You'll need to earn a personal income of at least $80,000, or a combined household income of at least $150,000 annually to apply.
Annual Fee $99
Purchase APR 19.99% fixed
Balance transfer APR N/A
Welcome offer N/A
Rewards Earn 1.5% cash back on all eligible purchases, with no maximum cash back credits on your eligible purchases.
Please note: All information about RBC Cash Back Preferred World Elite Mastercard has been collected independently by Finder and this card is not available through this site.

Best no-fee cash back card:
RBC Cash Back Mastercard

RBC Cash Back Mastercard logo
Credit recommended (Unknown-)
Read review
Unknown
Min. credit score
$0
Annual fee
Up to 2%
Cash back
n/a
Welcome offer
The RBC Cash Back Mastercard is a no-fuss card that allows you to earn cash back on everyday purchases. Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments. Plus, there's no maximum cash back credits you can earn on your purchases.. This card also lets you earn more rewards at Petro Canada and Rexall, and save at DoorDash.
  • Annual fee. This card has an annual fee of $0.
  • Earn rewards. Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments. Plus, there's no maximum cash back credits you can earn on your purchases.
  • Earn more. By linking your card to Petro-Canada, you can save 3 cents per litre on fuel and earn 20% more Petro-Points. You will also get 50 Be Well points at Rexall for every $1 you spend and be able to redeem points faster with 25,000 Be Well points for $10. Plus, get $0 delivery fees at DoorDash for 3 months.
  • Purchase protection. Purchase Security and Extended Warranty Insurance protects purchases made on your card against loss, theft or damage for up to 90 days, while also doubling the manufacturer's original Canadian warranty for up to 1 extra year..
  • Tiered earning. The 2% cash back is only available on your first $6,000 in grocery store purchases every year. Beyond that, you earn up to 1% cash back on all other purchases
  • Currency conversion. This card has a foreign transaction fee of 2.5%.
Annual Fee $0
Purchase APR 19.99% fixed
Balance transfer APR N/A
Welcome offer The 2% cash back is only available on your first $6,000 in grocery store purchases every year. Beyond that, you earn up to 1% cash back on all other purchases
Rewards Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments. Plus, there's no maximum cash back credits you can earn on your purchases.
Please note: All information about RBC Cash Back Mastercard has been collected independently by Finder and this card is not available through this site.

Best Avion credit card:
RBC Avion Visa Infinite Card

RBC Avion Visa Infinite Card logo
Credit recommended (Unknown-)
Read review
Unknown
Min. credit score
$120
Annual fee
Up to 1x
Points
35,000
Points welcome offer
The RBC Avion Visa Infinite Card is a solid travel card, offering perks and travel rewards for any frequent flyer. Earn 1 RBC Rewards point for every $1 you spend. Every 100 points you earn with this card equals CAD$1 that you can use for flights and other perks. You'll also get a suite of travel insurance coverage.
  • Earn rewards. Earn 1 RBC Rewards point for every $1 you spend.
  • Special offer. Get 35,000 reward points for new account registrants.
  • Travel coverage. Travel with ease with trip cancellation and trip interruption insurance, and emergency medical. Plus, get Mobile Device Insurance worth up to $1,500 of coverage and purchase protection on eligible purchases made with your card.
  • Travel perks. Earn an extra 25% on eligible travel related purchases, and get no blackout periods or seat restrictions. Eligible RBC Rewards members can also convert your points to other loyalty programs like WestJet dollars and Hudson’s Bay Rewards points.
  • Car rental coverage. Earn 3x the points and get 20% off at Hertz.
  • Annual fee. This card has an annual fee of $120.
  • Currency conversion. This card has a foreign transaction fee of 2.5%.
  • Minimum income requirement. You'll need to earn a personal income of at least $60,000, or a combined household income of at least $100,000 annually to apply.
Annual Fee $120
Purchase APR 19.99% fixed
Balance transfer APR N/A
Welcome offer 35,000 reward points for new account registrants
Rewards Earn 1 RBC Rewards point for every $1 you spend.
Please note: All information about RBC Avion Visa Infinite Card has been collected independently by Finder and this card is not available through this site.

Best airline travel credit card:
WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard logo
Credit recommended (Unknown-)
Read review
Unknown
Min. credit score
$119
Annual fee
Up to 2%
Cash back
450
Welcome offer
The WestJet RBC World Elite Mastercard is especially suited to frequent flyers who opt for WestJet. Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages. Save big on your travel plans and stay protected with travel insurance. Plus, you can earn extra and get discounts at Petro Canada, Rexall and DoorDash.
  • Earn rewards. Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages.
  • Earn more. If you link this card, you'll save 3¢/L on fuel at Petro-Canada and always earn 20% more Petro-Points. You'll also get 50 Be Well points at Rexall for every $1 spent and be able to redeem 25,000 Be Well points for $10. Plus, save at DoorDash with $0 delivery fees for 12 months.
  • Special offer. This card offers a $450 WestJet Dollar welcome bonus on your first purchase. Additionally, get your first round-trip companion voucher for $0.
  • Travel coverage. You'll get This card comes with up to $500,000 Travel Accident Insurance plus coverage for out-of-province/country medical emergencies, trip interruptions, flight delays, emergency purchases and hotel/motel burglaries.
  • Travel perks. Tier status gives you more out of your travel experience with benefits like lounge access, priority services, advance seat selection, complimentary upgrades and higher WestJet dollar earn rates when you fly with WestJet. Plus, Receive an annual World Elite round-trip companion voucher. The primary cardholder and up to 8 guests get the first checked bag free on WestJet flights. You'll also get free wifi at over 1 million Boingo hotspots worldwide, and Mastercard Airport Experiences by LoungeKey to 800+ airport lounges worldwide (lounge access fees apply).
  • Purchase protection. Purchase Security covers eligible items charged to your card against accidental physical damage or loss for up to 90 days after the date of purchase. Extended Warranty Protection doubles the original manufacturer's warranty on eligible items up to a maximum of 1 year.
  • Annual fee. This card has a $119 annual fee.
  • Currency conversion. This card has a foreign transaction fee of 2.5%.
  • Minimum income requirement. You'll need to earn a personal income of at least $80,000, or a combined household income of at least $150,000 annually to apply.
Annual Fee $119
Purchase APR 19.99% fixed
Balance transfer APR 22.99% fixed
Welcome offer offers a $450 WestJet Dollar welcome bonus on your first purchase. Additionally, get your first round-trip companion voucher for $0.
Rewards Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages.
Please note: All information about WestJet RBC World Elite Mastercard has been collected independently by Finder and this card is not available through this site.

Best for earning rewards on everyday spending:
RBC Rewards+ Visa Card

RBC Rewards+ Visa Card logo
Credit recommended (Unknown-)
Read review
Unknown
Min. credit score
$0
Annual fee
Up to 1x
Points
3,500
Points welcome offer
The RBC Rewards+ Visa Card helps you earn rewards on the important purchases you make in your everyday life. Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases, and earn 1 RBC Rewards point for every $2 spent on all other purchases. And with a $0 annual fee you can't lose. Like with other RBC cards, you'll also be able to earn more and save at Petro Canada, Rexall and DoorDash.
  • Annual fee. This card has an annual fee of $0.
  • Earn rewards. Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases, and earn 1 RBC Rewards point for every $2 spent on all other purchases.
  • Earn more. If you link your card to Petro-Canada, you'll save 3 cents per litre on fuel and earn 20% more Petro-Points. You'll also be able to earn 50 Be Well points at Rexall for every $1 spent and redeem 25,000 Be Well points for $10. Plus, for 3 months you'll get $0 delivery fees at DoorDash.
  • Special offer. Get up to 3,500 bonus RBC Rewards points for going digital. Primary cardholders can get 500 points for completing certain activities within 60 days of approval.
  • Purchase protection. Purchase Security and Extended Warranty Insurance protects purchases made on your card for up to 90 days on loss, theft or damage. The original manufacturer's Canadian warranty will also be doubled for up to 1 additional year.
  • Currency conversion. This card has a foreign transaction fee of 2.5%.
Annual Fee $0
Purchase APR 19.99% fixed
Balance transfer APR N/A
Welcome offer Get up to 3,500 bonus RBC Rewards points for going digital. Primary cardholders can get 500 points for completing certain activities within 60 days of approval.
Rewards Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases, and earn 1 RBC Rewards point for every $2 spent on all other purchases.
Please note: All information about RBC Rewards+ Visa Card has been collected independently by Finder and this card is not available through this site.

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.
      • 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:

      • RBC rewards

      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.
      • Gas rewards

      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.

      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 heading to the RBC website. 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:

      Eligibility requirements

      • 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.
      RBC offer a range of credit cards that cater to individuals and business owners. Whether you are a student, a frequent traveller or a small business owner, there are credit cards to suit different lifestyles and financial needs. Be sure to compare your options before applying for a credit card, since there are so many different products on the market.

      Compare other credit cards

      Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
      OFFER
      HSBC +Rewards™ Mastercard®
      30,000 Points
      2x points per $1 spent
      11.9%
      $0 annual fee for the first year ($25 thereafter)
      Min. recommended credit score: 630
      Get 30,000 Points (up to $150 in value) when you spend $2,000 in the first 6 months. Plus, get the 1st year annual fee waived for the primary cardholder ($25 value). Apply by January 31, 2022.
      BMO CashBack Mastercard
      5% cash back
      Up to 3% cash back
      19.99%
      $0
      Min. recommended credit score: 660
      Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
      Tangerine World Mastercard
      15% cash back
      Up to 2% cash back
      19.95%
      $0
      Min. recommended credit score: 600
      Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
      Neo Financial Credit Card
      N/A
      Average 5% cash back
      19.99% - 24.99%
      $0
      Min. recommended credit score: 600
      Earn an average 5% cashback at thousands of partners and at least 1% cashback guaranteed. Neo partners with major gas and grocery stores, restaurants, gyms, coffee shops and more.
      BMO Preferred Rate Mastercard
      3.99% rate on balance transfers for 9 months
      N/A
      12.99%
      $20
      Min. recommended credit score: 660
      Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
      American Express Cobalt Card
      50,000 points
      Up to 5x points per $1 spent
      20.99%
      $155.88
      Min. recommended credit score: 700
      Earn up to 50,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). Plus, earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership.
      Brim Mastercard
      Up to $200 worth of bonuses
      1 point per $1 spent
      19.99%
      $0
      Min. recommended credit score: 700
      Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
      Tangerine Money-Back Credit Card
      15% cash back
      Up to 2% cash back
      19.95%
      $0
      Min. recommended credit score: 600
      Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
      SimplyCash Card from American Express
      4% cash back
      Up to 1.25% cash back
      19.99%
      $0
      Min. recommended credit score: 700
      Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership.
      American Express Green Card
      10,000 points
      1 point per $1 spent
      20.99%
      $0
      Min. recommended credit score: 700
      Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember.
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      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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