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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
Royal Bank of Canada
Credit needed
Fees and interest
Annual fee
Purchase interest rate
Cash advance rate
Balance transfer rate
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
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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).

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, these are our picks for the most competitive RBC credit card offers.

Most popular
Visa Classic Low Rate Option
RBS 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. In addition, RBC offers perks to cardholders who take advantage of the bank’s digital services: earn up to 3,500 bonus points simply for sharing your email address with RBC, downloading the RBC Mobile app, RBC Wallet, or RBC Rewards app, or going paperless by signing up for eStatements.

Best cash back
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 a minimum household income of $120,000. Cardholders have the option of setting up pre-authorized payments so that they can earn cash back without effort. They can also get supplementary cards at no extra charge. Perks include access to Boingo Wi-Fi across the globe, exclusive concierge services, and Priceless Cities, a program that connects cardholders to entertainment opportunities where they live or travel.

Best travel rewards
RBC Visa Infinite Avion
RBC Visa Infinite Avion

The Visa Infinite Avion is made for those who have been bitten with the travel bug and those whose line of business takes them 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 one 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.

Best low-interest
RBC Visa Classic Low Rate Option
RBC Visa Classic Low Rate Option

Most standard-issue credit cards will charge you nearly 20% interest on outstanding balances, but RBC’s Visa Classic Low Rate Option card charges only 11.99% — and has an annual fee of only $20 to boot. If your priority is paying down your balance rather than, say, earning cash back and rewards, the Visa Classic Low Rate Option is a card you should definitely consider.

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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