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Royal Bank of Canada credit cards

Being the largest bank in the country, it’s no surprise RBC offers one of the most robust portfolios of credit cards.

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Annual fee $120
Rewards rate 1 RBC Rewards point for every $1 spent
Bonus offer 15,000 RBC Rewards points
Card details
Network
VISA
Provider
Royal Bank of Canada
Credit needed
Good
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
N/A
Card description
  • Start flying today with 15,000 welcome points
  • Earn 1 RBC Rewards point for every $1 you spend, plus an extra 25% on eligible travel related purchases
  • This card requires a minimum personal income of $60,000 or a minimum household income of $100,000
  • No blackout periods or seat restrictions – ever!
  • Instant Fuel Savings at Petro-Canada
    • Instantly save 3¢/L on fuel and always earn 20% more Petro-Points
    • Always earn 20% more RBC Rewards points
  • Make the most of your RBC credit card by adding Value Added Services such as:
    • Optional Travel Insurance
    • RBC Road Assist
    • Balance Protector Insurance
    • Identity Theft Protection
Annual fee $119
Rewards rate 1.5% on everyday purchases
Bonus offer 250 Welcome WestJet dollars
Card details
Network
Mastercard
Provider
Royal Bank of Canada
Credit needed
Good
Fees and interest
Annual fee
$119
Purchase interest rate
19.99%
Cash advance rate
21.99%
Balance transfer rate
N/A
Card description
  • Get 250 welcome WestJet dollars with your first purchase
  • 1.5% back in WestJet dollars on everyday purchases
  • 2% back in WestJet dollars on WestJet flights or WestJet Vacations‡ packages using your card
  • Free first checked bags for the primary cardholder
  • Get an annual round-trip companion voucher starting at $99 (plus taxes, fees and charges)
  • This card requires a minimum personal income of $80,000 or a minimum household income of $150,000
  • Instant Fuel Savings at Petro-Canada
    • Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
  • Make the most of your RBC credit card by adding Value Added Services such as:
    • Balance Protector Insurance
    • Identity Protection
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The RBC advantage

 

RBC is one of Canada’s oldest and largest financial institutions. Its brand is synonymous with trust and quality service. Apart from credit cards, RBC offers a full suite of banking services including chequing accounts, savings solutions, mortgages, and more.

Here’s why Canadians love RBC credit cards:

Flexible rewards programs

RBC credit card holders can take advantage of RBC Rewards, the bank’s robust and flexible rewards program. Points can be redeemed for gift cards, statement credit, and brand name merchandise. You can even use the points to save on travel flights, hotels, car rentals, cruises, and more.

The latest mobile banking technology

RBC makes banking easier with its online services and mobile apps. Use the RBC Wallet app on your NFC-enabled Apple or Android phone to make secure, contactless payments to your debit and credit cards. RBC cards also integrate with Apple Pay, allowing you to store your credit cards with ease.

The most satisfied customers in the business

RBC has received recognition for its leadership in customer service. In 2016, global marketing research firm J.D. Power ranked RBC the best out of the Big Five banks for customer satisfaction. It has also taken top spot at the Retail Banker International Awards competition three times in a row, winning Global Retail Bank of the Year in 2014, 2015, and 2016.

Recommended RBC credit cards

 

RBC is one of the biggest financial institutions in Canada and carries an extensive offering of credit cards to fit many individual needs. Whether you want to focus on travelling, getting free merchandise, or just getting cash back, take a look at our picks for the most competitive RBC credit card offers.

Best cash back card
RBC Cash Back Preferred World Elite Mastercard
RBC Cash Back Preferred World Elite Mastercard

With a cash back rate of 1.5% across unlimited purchases, extended purchase protection, and access to exclusive World Elite Experiences and Offers, there’s no denying this is a premier card for those who want to get the most back out of their purchases. This premium credit card comes with a $99 annual fee, and requires a personal income of at least $70,000, or minimum household income of $120,000.

Best travel rewards card
RBC Visa Infinite Avion
RBC Visa Infinite Avion

The Visa Infinite Avion is made for those who were bitten with the travel bug and those who have business across borders. As a premium card, it comes with an annual fee of $120. It also requires a minimum personal income of $60,000, or a minimum household income of $100,000. Cardholders earn 1 RBC Rewards point for every dollar spent and an extra 25% on eligible travel-related purchases. The card also comes with plenty of insurance coverage, including trip cancellation, emergency medical, hotel and rental car coverage, and purchase protection. Finally, as a Visa Infinite member, cardholders will gain access to exclusive benefits such as hotel upgrades, dining experiences, and more.

Most popular card
RBC Rewards+ Visa
RBC Rewards+ Visa

With no annual fee and reward flexibility, the Rewards+ Visa can supercharge your spending by earning 1 RBC Rewards point for every $1 spent on gas, grocery and drugstore purchases, and 1 point per $2 spent everywhere else.

About RBC

 

Founded in Halifax in 1864, the Royal Bank of Canada is one of Canada's youngest banks — at least among the major institutions. Since the end of the First World War, strategic mergers and expansions have propelled RBC past its competitors. RBC is now headquartered in Toronto and has been the biggest of the Big Five banks for most of the past century. RBC also boasts an impressive credit card portfolio. If you're looking for a top-tier travel rewards card or a basic, no-fee option, RBC's selection won't disappoint.

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