RBC Credit Cards

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

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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.

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 Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
      American Express Cobalt Card
      19.99%
      21.99%
      $120
      N/A
      Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
      Earn up to 30,000 Membership Rewards points in your first year.
      BMO World Elite Mastercard
      19.99%
      22.99%
      $0 annual fee for the first year ($150 thereafter)
      $80,000
      Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
      Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
      SimplyCash Preferred Card from American Express
      19.99%
      21.99%
      $99
      N/A
      Earn 2% cash back on all eligible purchases
      Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
      Tangerine Money-Back Credit Card
      1.95% intro APR for the first , 19.95% thereafter
      19.95%
      $0
      $12,000
      Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
      Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
      BMO Preferred Rate Mastercard
      12.99%
      12.99%
      $20
      $15,000
      Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
      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 AIR MILES Platinum Credit Card
      20.99%
      21.99%
      $120
      N/A
      Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
      Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
      American Express Business Edge Card
      19.99%
      21.99%
      $99
      N/A
      Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
      Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
      No-Fee Scotiabank Value Visa Card
      16.99%
      16.99%
      $0
      $12,000
      Save with a low interest rate, no annual fee and a balance transfer offer.
      Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
      Shell AIR MILES Mastercard from BMO
      19.99%
      22.99%
      $0
      $15,000
      Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
      American Express Gold Rewards Card
      30% annual interest rate applies to balances not paid in full each month
      N/A
      $150
      N/A
      Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
      Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months
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      Compare up to 4 providers

      Name Product Purchase Interest Rate Balance Transfer Rate Balance Transfer Fee Annual Fee Minimum Income Reward Description
      BMO Preferred Rate Mastercard
      12.99%
      3.99% for the first 9 months (then 12.99%)
      1%
      $20
      $15,000
      Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
      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.
      Tangerine Money-Back Credit Card
      1.95% intro APR for the first , 19.95% thereafter
      1.95% for the first 6 months (then 19.95%)
      3%
      $0
      $12,000
      Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
      Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
      No-Fee Scotiabank Value Visa Card
      16.99%
      3.99% for the first 6 months (then 16.99%)
      N/A
      $0
      $12,000
      Save with a low interest rate, no annual fee and a balance transfer offer.
      Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
      BMO Rewards Mastercard
      19.99%
      1.99% for the first 9 months (then 22.99%)
      1%
      $0
      $15,000
      Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
      Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
      BMO AIR MILES Mastercard
      19.99%
      1.99% for the first 9 months (then 22.99%)
      1%
      $0
      $15,000
      Get 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
      BMO CashBack Mastercard
      19.99%
      1.99% for the first 9 months (then 22.99%)
      1%
      $0
      $15,000
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
      BMO AIR MILES Mastercard For Students
      19.99%
      1.99% for the first 9 months (then 22.99%)
      1%
      $0
      $15,000
      Earn 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and earn 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
      BMO CashBack Mastercard For Students
      19.99%
      1.99% for the first 9 months (then 22.99%)
      1%
      $0
      $15,000
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
      Scotiabank Value Visa Card
      12.99%
      0.99% for the first 6 months (then 12.99%)
      N/A
      $29
      $12,000
      Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
      Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by October 31, 2020.
      Scotia Momentum Visa Card
      19.99%
      2.99% for the first 6 months (then 22.99%)
      N/A
      $39
      $12,000
      Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
      Get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
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      Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
      American Express Cobalt Card
      19.99%
      21.99%
      $120
      N/A
      Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
      Earn up to 30,000 Membership Rewards points in your first year.
      American Express AIR MILES Platinum Credit Card
      20.99%
      21.99%
      $120
      N/A
      Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
      Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
      BMO AIR MILES World Elite Mastercard
      19.99%
      22.99%
      $0 annual fee for the first year ($120 thereafter)
      $80,000
      Get 1 AIR MILE for every $10 spent on eligible purchases and get 5x the Miles at Shell until December 31, 2020.
      Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year. Get 5x the Miles at Shell until December 31, 2020.
      Marriott Bonvoy American Express Card
      19.99%
      21.99%
      $120
      N/A
      Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend. Terms apply
      Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership. Terms apply
      BMO World Elite Mastercard
      19.99%
      22.99%
      $0 annual fee for the first year ($150 thereafter)
      $80,000
      Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
      Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
      American Express Business Edge Card
      19.99%
      21.99%
      $99
      N/A
      Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
      Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
      Shell AIR MILES Mastercard from BMO
      19.99%
      22.99%
      $0
      $15,000
      Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
      American Express Gold Rewards Card
      30% annual interest rate applies to balances not paid in full each month
      N/A
      $150
      N/A
      Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
      Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months
      HSBC +Rewards™ Mastercard®
      11.9%
      11.9%
      $0 annual fee for the first year ($25 thereafter)
      N/A
      Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
      Earn 20,000 Points ($100 travel value) plus a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by December 28, 2020. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer).
      HSBC World Elite® Mastercard®
      19.9%
      22.9%
      $0 annual fee for the first year ($149 thereafter)
      $80,000
      Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1 spent) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1 spent).
      Earn up to 100,000 Points ($500 travel value) plus get a full annual fee rebate for the Primary Cardholder for the first year. Apply by December 28, 2020. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer).
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      Compare up to 4 providers

      Name Product Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee Minimum Income Reward
      SimplyCash Preferred Card from American Express
      19.99%
      21.99%
      2%
      $99
      N/A
      Earn 2% cash back on all eligible purchases
      Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
      Tangerine Money-Back Credit Card
      1.95% intro APR for the first , 19.95% thereafter
      19.95%
      2%
      $0
      $12,000
      Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
      Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
      BMO CashBack World Elite Mastercard
      19.99%
      22.99%
      1.5%
      $0 annual fee for the first year ($120 thereafter)
      $80,000
      Earn 1.5% cash back on all eligible purchases.
      Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
      Shell CashBack Mastercard from BMO
      19.99%
      22.99%
      1.5%
      $0
      $15,000
      Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
      Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
      BMO Cashback Business Mastercard
      19.99%
      22.99%
      1.75%
      $0
      N/A
      Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
      Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
      BMO CashBack Mastercard
      19.99%
      22.99%
      0.5%
      $0
      $15,000
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
      BMO CashBack Mastercard For Students
      19.99%
      22.99%
      0.5%
      $0
      $15,000
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
      Shell CashBack World Mastercard from BMO
      19.99%
      22.99%
      3%
      $79
      $60,000
      Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
      Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
      Scotia Momentum No-Fee Visa Card
      7.99% intro APR for the first 6 months, 19.99% thereafter
      22.99%
      1%
      $0
      $12,000
      Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
      Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by October 31, 2020.
      Scotia Momentum Mastercard
      7.99% intro APR for the first 6 months, 19.99% thereafter
      22.99%
      1%
      $0
      $12,000
      Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
      Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by October 31, 2020.
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      Compare up to 4 providers

      Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
      BMO CashBack Mastercard
      19.99%
      22.99%
      $0
      $15,000
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
      Tangerine Money-Back Credit Card
      1.95% intro APR for the first , 19.95% thereafter
      19.95%
      $0
      $12,000
      Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
      Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
      No-Fee Scotiabank Value Visa Card
      16.99%
      16.99%
      $0
      $12,000
      Save with a low interest rate, no annual fee and a balance transfer offer.
      Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
      Shell AIR MILES Mastercard from BMO
      19.99%
      22.99%
      $0
      $15,000
      Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
      Shell CashBack Mastercard from BMO
      19.99%
      22.99%
      $0
      $15,000
      Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
      Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
      BMO Rewards Mastercard
      19.99%
      22.99%
      $0
      $15,000
      Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
      Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
      BMO IGA AIR MILES Mastercard
      19.99%
      22.99%
      $0
      $15,000
      Get 2 AIR MILES for every $20 spent on eligible purchases at IGA stores and at participating AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
      BMO AIR MILES Mastercard
      19.99%
      22.99%
      $0
      $15,000
      Get 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
      BMO AIR MILES Mastercard For Students
      19.99%
      22.99%
      $0
      $15,000
      Earn 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and earn 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
      Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
      BMO CashBack Mastercard For Students
      19.99%
      22.99%
      $0
      $15,000
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
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      Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Reward
      BMO Preferred Rate Mastercard
      12.99%
      12.99%
      $20
      $15,000
      Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
      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.
      HSBC +Rewards™ Mastercard®
      11.9%
      11.9%
      $0 annual fee for the first year ($25 thereafter)
      N/A
      Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
      Earn 20,000 Points ($100 travel value) plus a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by December 28, 2020. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer).
      BMO Rewards Business Mastercard
      14.99%
      22.99%
      $0 annual fee for the first year ($120 thereafter)
      N/A
      Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.
      Get up to $470 in value in your first year. Get 50,000 BMO Rewards points when you spend $5,000 in the first three months. Plus, the primary cardholder will get the first year $120 annual fee waived.
      Business Platinum Card from American Express
      N/A
      N/A
      $499
      N/A
      Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
      Earn a Welcome Bonus of 50,000 Membership Rewards points when you charge $7,000 in purchases to your Card in your first three months of Cardmembership.
      American Express Business Gold Rewards Card
      N/A
      N/A
      $250
      N/A
      Earn 2 Membership Rewards points for every $1 spent on eligible purchases at select American Express merchant suppliers in Canada (choose 3 suppliers), and earn 1 Membership Reward point for every $1 spent on eligible purchases elsewhere
      Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months
      Scotiabank Value Visa Card
      12.99%
      12.99%
      $29
      $12,000
      Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
      Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by October 31, 2020.
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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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