Looking for the best Royal Bank of Canada credit card in Canada? You’ve got this.


Find the right credit card.

Get Started

No cards matched your search criteria.

Why choose LowestRates.ca?

75+ trusted partners (and growing) on our site to compare mortgage rates, insurance and credit cards

$1 billion+ saved in interest and fees

14+ million Canadians helped per year

High praise for LowestRates.ca

Based on 360 reviews
January 8
fast and easy
fast and easy
moira fortin
November 4
It was a good experience
It was a good experience
October 26
Easy to use
Easy to use, easy to find the result that you're looking for! 5 star coverage!
October 15
Great service and very helpful :) would…
Great service and very helpful :) would definitely recommend
Emily Peacock
October 14
It's great
It's great, found the best rates.
Chirath Ranaweera
October 14
Fast and pleasant experience
Fast and pleasant experience. Saved a lot of money too!
October 14
Fast response
Fast response
October 13
From the online process to the first…
From the online process to the first contact speaking to a rep it’s was a good...
Rose Daniel
October 13
A very pleasant contact
A very pleasant contact, without rep talking over my head., It was very infor...
Margaret Markson
September 30
LowestRates.ca is the best out there
LowestRates.ca is the best out there. They are fast efficient and gets job done...
Maria M. T.
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar

The RBC advantage.

RBC is one of Canada’s oldest and largest financial institutions with a brand that’s 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 more on 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. Avion is RBC’s signature travel rewards program. Cardholders who collect Avion points are never subject to blackout periods, seat restrictions, or unnecessary stopovers. The earn rate for Avion points straightforward — the ratio is one to one — so it’s easy to keep track of your points balance. But you can increase your earning potential when you use the card for rental cars and hotels (1.25 points for every dollar spent) or using it to pay for your Uber rides (two points for every dollar spent). Explore all of RBC’s credit card rewards options.

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 make quick and easy instore and online payments with your RBC credit card.

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. RBC has partnerships with both Visa and MasterCard, offering you an array of RBC Mastercard credit cards and RBC Visa credit cards. RBC currently has no RBC Amex credit cards. Please visit the RBC credit card site for more information on RBC partnerships and RBC credit card promotions and deals.

Choosing the right RBC credit card

Doing a side-by-side comparison of the top RBC credit cards can help you easily pick the right card for your lifestyle. RBC offers the following types of RBC credit cards in Canada:

  • RBC no annual fee credit cards: An RBC no annual fee credit card gives you the ultimate flexibility of going cashless, while still enjoying great credit card benefits such as Apple Pay.
  • RBC rewards credit cards: Looking to get more out of your credit card? RBC rewards credit cards offer points, cash back and several more rewards options to choose from.
  • RBC travel credit cards: All RBC travel credit cards have amazing benefits such as travel rewards, travel perks, discounts and much more. With an RBC travel credit card, each time you spend money through your card, you move closer to earning travel rewards.
  • RBC low interest rate credit cards: Stop paying high interest charges with a low interest rate credit card from RBC. Once you move to a low interest rate card, you can easily pay down your revolving credit card balance.
  • RBC student credit cards: Start building your credit history with an RBC student credit card. With RBC, you can also enjoy a wide variety of student credit card perks such as a zero annual fee.

How to apply for an RBC credit card

You can apply for a new RBC credit card by completing an RBC credit card application online on the RBC website.

To complete the application, you’ll need to give the following information:

  • Your legal name
  • Your current and previous addresses
  • Your annual income
  • Your employment details

RBC will use all the information to pull your personal credit history and review your eligibility for the applied RBC credit card and credit limit. This hard credit check can temporarily drop your credit score, but that should bounce back if you don’t miss any credit card payments.

On passing the RBC credit card eligibility check, you’ll receive your new card in the mail. Follow the RBC credit card activation steps to start using your new card.

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.

Credit card news

Read More Like This