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RBC Credit Cards

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.

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
      HSBC +Rewards™ Mastercard®
      20,000 Points
      2x points per $1 spent
      11.9%
      $0 annual fee for the first year ($25 thereafter)
      Min. recommended credit score: 630
      Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
      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
      10% cash back
      Up to 2% cash back
      19.95%
      $0
      Min. recommended credit score: 680
      Earn an extra 10% cash back (up to $100) when you spend $1,000 on everyday purchases within the first 2 months. Until August 16, 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).
      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
      30,000 points
      Up to 5 points per $1 spent
      19.99%
      $120
      Min. recommended credit score: 700
      Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
      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
      10% cash back
      Up to 2% cash back
      19.95%
      $0
      Min. recommended credit score: 680
      Earn an extra 10% cash back (up to $100) when you spend $1,000 on everyday purchases within the first 2 months. Until August 16, 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).
      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.
      Choice Card from American Express
      10,000 points
      1 point per $1 spent
      19.99%
      $0
      Min. recommended credit score: 700
      Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
      BMO Rewards Mastercard
      10,000 points
      Up to 2 points per $1 spent
      19.99%
      $0
      Min. recommended credit score: 725
      Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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      Compare up to 4 providers

      Name Product Balance Transfer Rate Balance Transfer Fee Purchase Interest Rate Annual Fee Min. Credit Score Description
      Scotiabank Value Visa Card
      0.99% for the first 6 months (then 12.99%)
      N/A
      12.99%
      $29
      Min. recommended credit score: 660
      Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by August 31, 2021.
      BMO CashBack Mastercard
      1.99% for the first 9 months (then 22.99%)
      1%
      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
      1.95% for the first 6 months (then 19.95%)
      3%
      19.95%
      $0
      Min. recommended credit score: 680
      Earn an extra 10% cash back (up to $100) when you spend $1,000 on everyday purchases within the first 2 months. Until August 16, 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).
      BMO Preferred Rate Mastercard
      3.99% for the first 9 months (then 12.99%)
      1%
      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.
      Tangerine Money-Back Credit Card
      1.95% for the first 6 months (then 19.95%)
      3%
      19.95%
      $0
      Min. recommended credit score: 680
      Earn an extra 10% cash back (up to $100) when you spend $1,000 on everyday purchases within the first 2 months. Until August 16, 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).
      BMO Rewards Mastercard
      1.99% for the first 9 months (then 22.99%)
      1%
      19.99%
      $0
      Min. recommended credit score: 725
      Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
      BMO AIR MILES Mastercard
      1.99% for the first 9 months (then 22.99%)
      1%
      19.99%
      $0
      Min. recommended credit score: 660
      Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). 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
      1.99% for the first 9 months (then 22.99%)
      1%
      19.99%
      $0
      Min. recommended credit score: 660
      Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). 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
      1.99% for the first 9 months (then 22.99%)
      1%
      19.99%
      $0
      Min. recommended credit score: 660
      Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).
      Scotia Momentum No-Fee Visa Card
      1.99% for the first 6 months (then 22.99%)
      N/A
      19.99%
      $0
      Min. recommended credit score: 660
      Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months. Apply by October 31, 2021.
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      Compare up to 4 providers

      Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
      HSBC +Rewards™ Mastercard®
      20,000 Points
      2x points per $1 spent
      11.9%
      $0 annual fee for the first year ($25 thereafter)
      Min. recommended credit score: 630
      Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
      American Express Cobalt Card
      30,000 points
      Up to 5 points per $1 spent
      19.99%
      $120
      Min. recommended credit score: 700
      Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
      BMO World Elite Mastercard
      30,000 points
      Up to 3 points per $1 spent
      20.99%
      $0 annual fee for the first year ($150 thereafter)
      Min. recommended credit score: 760
      Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021
      American Express Aeroplan Card
      75,000 points
      Up to 5x points
      30% annual interest rate applies to balances not paid in full each month
      $120
      Min. recommended credit score: 700
      Earn up to 75,000 Aeroplan Points. Plus, earn a total of 5X the points on eligible eats & drinks purchases in Canada for the first 6 months of Cardmembership (up to a maximum of 25,000 points). New Cardmembers can earn up to $1,600 in value within the first year. Spend applies to bonus point offers valued at up to $1,500. Apply by August 3, 2021.
      American Express Business Edge Card
      57,000 points
      Up to 3 points per $1 spent
      19.99%
      $99
      Min. recommended credit score: 700
      Earn up to 57,000 Membership Rewards points in your first year.
      American Express AIR MILES Platinum Credit Card
      2,000 Miles
      Up to 1 Air Mile per $5 - $10 spent
      20.99%
      $120
      Min. recommended credit score: 700
      Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
      American Express Aeroplan Reserve Card
      150,000 points
      Up to 10x points
      19.99%
      $599
      Min. recommended credit score: 700
      Earn up to 150,000 Aeroplan Points. Plus, earn a total of 10X the points on eligible eats & drinks purchases in Canada for the first 6 months of Cardmembership (up to a maximum of 50,000 points.) New Cardmembers can earn up to $3,800 in value within the first year. Spend applies to bonus point offers valued at up to $3,000. Apply by August 3, 2021. Spend at least $10,000 in qualifying net purchases by November 30, 2021 and you’ll earn, step up, or jump start your Aeroplan Elite Status. Apply by October 1, 2021.
      Shell AIR MILES Mastercard from BMO
      800 Miles
      Up to 3x Air Miles for every $25 spent
      19.99%
      $0
      Min. recommended credit score: 660
      Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
      BMO eclipse Visa Infinite Privilege
      50,000 points
      5 points per $1 spent
      20.99%
      $499
      Min. recommended credit score: 760
      Get up to 50,000 welcome points in your first year.
      HSBC World Elite® Mastercard®
      70,000 Points
      Up to 6 points per $1 spent
      19.9%
      $0 annual fee for the first year ($149 thereafter)
      Min. recommended credit score: 650
      Get a Welcome Bonus of 20,000 Points ($100 travel rewards). Plus, earn an additional 50,000 Points and get a 1st year annual fee waiver. Apply by September 27, 2021.
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      Compare up to 4 providers

      Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
      BMO CashBack Mastercard
      5% cash back
      Up to 3% cash back
      19.99%
      $0
      Min. recommended credit score: 660
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Tangerine World Mastercard
      10% cash back
      Up to 2% cash back
      19.95%
      $0
      Min. recommended credit score: 680
      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.
      Tangerine Money-Back Credit Card
      10% cash back
      Up to 2% cash back
      19.95%
      $0
      Min. recommended credit score: 680
      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.
      SimplyCash Card from American Express
      4% cash back
      Up to 1.25% cash back
      19.99%
      $0
      Min. recommended credit score: 700
      Earn 1.25% cash back on all eligible purchases.
      SimplyCash Preferred Card from American Express
      10% cash back
      2% cash back
      19.99%
      $99
      Min. recommended credit score: 700
      Earn 2% cash back on all eligible purchases
      BMO CashBack World Elite Mastercard
      Up to 10% cash back
      1% cash back
      20.99%
      $0 annual fee for the first year ($120 thereafter)
      Min. recommended credit score: 760
      Earn 5% cash back on groceries, 4% on transit including ride sharing, taxis and public transportation, 3% on gas and electric vehicle charging, 2% on recurring bill payments and 1% unlimited cash back on all eligible purchases.
      Shell CashBack Mastercard from BMO
      $50 in cash back + 1% cash back
      Up to 1.5% cash back
      19.99%
      $0
      Min. recommended credit score: 660
      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.
      BMO Cashback Business Mastercard
      10% cash back
      Up to 1.75% cash back
      19.99%
      $0
      Min. recommended credit score: 650
      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.
      BMO CashBack Mastercard For Students
      5% cash back
      Up to 3% cash back
      19.99%
      $0
      Min. recommended credit score: 660
      Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
      Shell CashBack World Mastercard from BMO
      N/A
      Up to 3% cash back
      19.99%
      $79
      Min. recommended credit score: 760
      Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.