Best RBC Credit Cards – April 2025

Discover the best RBC credit cards, offering unparalleled benefits, attractive rewards and competitive rates. Compare options to maximize your savings and enjoy an optimal financial experience.

RBC

Best credit cards RBC Avion Rewards

RBC Avion Visa Infinite Card

With this offer for RBC Avion Visa Infinite Card, you can earn up to 55,000 Avion points:

  • 35,000 Avion points on approval
  • 20,000 additional Avion points when you spend $5,000 in the first 6 months

You can use your Avion Rewards points for travel or convert them to other loyalty programs such as:

  • American Airlines AAdvantage
  • The British Airways Club (and Qatar Airways Privilege Club)
  • Cathay Pacific Asia Miles
  • WestJet Rewards

The current welcome offer, for example, gives you the equivalent of 55,000 British Airways Avios or 550 WestJet Dollars.

With the RBC Avion Visa Infinite Card, you earn 1 point per dollar and 1.25 points for travel purchases.

What’s more, you’ll benefit from a wide range of insurances: trip cancellation and interruption insurance, out-of-province or out-of-country emergency medical care insurance, collision and damage insurance for rental vehicles, and mobile device insurance.

RBC Avion Visa Infinite Privilege Card

With this exceptional offer for the RBC Avion Visa Infinite Privilege Card, you can earn up to 70,000 Avion points:

  • 35,000 Avion points on approval
  • 20,000 Avion bonus points when you spend $5,000 in your first 6 months
  • 15,000 Avion points as a one-time anniversary bonus 12 months after account opening

You can use your Avion Rewards points for travel or convert them to other loyalty programs such as:

  • American Airlines AAdvantage
  • British Airways Executive Club (and Qatar Airways Privilege Club)
  • Cathay Pacific Asia Miles
  • WestJet Rewards

The current welcome offer, for example, gives you the equivalent of 70,000 British Airways Aviosor 700 WestJet Dollars.

With the RBC Avion Visa Infinite Privilege Card, you earn 1.25 points per dollar.

What’s more, you’ll benefit from a wide range of insurances: trip cancellation and interruption insurance, out-of-province or out-of-country emergency medical care insurance, collision and damage insurance for rental vehicles, and mobile device insurance.

Finally, you get six free airport passes for lounge worldwide, and fast track through security checkpoints at selected Canadian airports.

RBC ION+ Visa Card

With the RBC ION+ Visa card, you can earn 14,000 Avion points as a welcome bonus.

With this RBC credit card, you can earn 3 Avion points per dollar for :

  • Grocery stores, restaurants and meal deliveries
  • Transportation, gas and electric vehicle charging
  • Streaming, Digital Gaming & Subscriptions

And 1 Avion point per dollar for all other purchases. Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

Finally, you get two years of Mobile Device Insurance up to $1,000 if your mobile device, such as your cell phone, is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with the RBC ION+ Visa card.

RBC More Reards Visa Card

With the More Rewards RBC Visa Card, you can earn a welcome bonus of 50,000 points:

  • 30,000 points on your first purchase;
  • 20,000 additional points when you spend at least $500 in the first three months

With this no-annual-fee RBC credit card, you can earn 5 points per dollar for:

  • Eligible purchases from over 700 partners, including Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy and many more.
  • Restaurants, gas and electric vehicle charging

And 3 points per dollar on all other purchases.

Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

The More Rewards RBC Visa Card is not available to residents of Quebec.

More Rewards RBC Visa Infinite Card

With the More Rewards RBC Visa Infinite Card you can earn a welcome bonus of 50,000 points:

  • 30,000 points on your first purchase;
  • 20,000 additional points when you spend at least $500 in the first three months

With this no-annual-fee RBC credit card, you can earn 8 points per dollar for :

  • Eligible purchases from over 700 partners, including Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy and many more.
  • Restaurants, gas and electric vehicle charging

And 4 points per dollar on all other purchases.

Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

The More Rewards RBC Visa Infinite Card is not available to residents of Quebec.

Best Cash Back RBC Credit Cards

RBC Cash Back Preferred World Elite Mastercard

For a limited time, earn 12% cash back on up to $2,000 in purchases. That’s a $240 bonus!

With the RBC Cash Back Preferred World Elite Mastercard, earn 1.5% cash back on all your purchases, including at Costco. And there’s no annual limit.

In addition, you get several benefits such as:

  • Instant fuel savings at Petro-Canada
  • 12 Months of Free Delivery With Doordash

Finally, the RBC Cash Back Preferred World Elite Mastercard is ideal for protecting your purchases. You get:

  • Premium purchase protection for 120 days
  • Extended warranty triples the manufacturer’s original Canadian warranty

RBC Cash Back Mastercard

RBC Cash Back Mastercard is a credit card with no annual fee.

Right now, you can get up to 7% cash back in the first 3 months up to a total of $1,000 purchases.

With this card, you earn up to 2% cash back on your grocery purchases (up to $6,000 in groceries annually). You’ll earn 1% cash back on your grocery purchases as soon as you exceed this threshold.

You’ll also earn 0.5% cash back on all your other purchases, up to a maximum of $6,000 in other purchases per year. Once you exceed this threshold, you’ll earn 1% cash back on all other purchases.

With RBC Cash Back Mastercard, you benefit from a number of advantages:

  • Instant fuel savings at Petro-Canada
  • 3 months free delivery with DoorDash

Best No Annual Fee RBC Credit Cards

moi RBC Visa Credit Card

With the RBC Visa Card you can earn a welcome bonus of 10,000 points :

  • 3,000 points upon your first purchase;
  • 3,500 additional points when you spend at least $500 in the first three months;
  • 3,500 additional points when you spend at least $2,000 in the first 12 months.

With this no-annual-fee RBC credit card, you can earn 2 points per dollar on:

  • Eligible purchases made in participating stores at Metro, Première Moisson and Brunet at Quebec, and at Jean Coutu in Quebec, Ontario and New Brunswick when you present your Moi card and pay with your moi RBC Visa Credit Card.
  • Restaurants, gas and electric vehicle charging

And 1 point per dollar for all other purchases.

Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

RBC ION Visa Card

With the RBC ION Visa card, you can earn a welcome bonus of 7,000 Avion points on approval.

With this no-annual-fee RBC credit card, you can earn 1.5 Avion points per dollar for :

  • The grocery store
  • Travel, fuel and recharging for electric vehicles
  • Streaming, digital games and subscriptions

And 1 Avion point per dollar for all other purchases. Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card.

Best RBC Low Interest Rate credit card

RBC Visa Classic Low Rate Option Card

RBC Visa Classic Low Rate Option Card is one of the best low-interest credit cards in Canada.

You can also save on fuel at Petro-Canada stations and earn 20% more Petro-Points by linking your RBC Visa Classic Low Rate Option Card to your Petro-Points card. Finally, get three months’ free delivery with DoorDash by adding your RBC Visa Classic Low Rate Option Card to your DoorDash account.

As a result, you’ll be able to get a free three-month DashPass subscription worth nearly $30, and enjoy unlimited free shipping on orders of $15 or more by paying with your RBC Visa Classic Low Rate Option Card.

Best RBC More Rewards credit cards

More Rewards RBC Visa Card

With the More Rewards RBC Visa Card, you can earn a welcome bonus of 50,000 points:

  • 30,000 points on your first purchase;
  • 20,000 additional points when you spend at least $500 in the first three months

With this no-annual-fee RBC credit card, you can earn 5 points per dollar for:

  • Eligible purchases from over 700 partners, including Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy and many more.
  • Restaurants, gas and electric vehicle charging

And 3 points per dollar on all other purchases.

Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

The More Rewards RBC Visa Card is not available to residents of Quebec.

More Rewards RBC Visa Infinite Card

With the More Rewards RBC Visa Infinite Card you can earn a welcome bonus of 50,000 points:

  • 30,000 points on your first purchase;
  • 20,000 additional points when you spend at least $500 in the first three months

With this no-annual-fee RBC credit card, you can earn 8 points per dollar for :

  • Eligible purchases from over 700 partners, including Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy and many more.
  • Restaurants, gas and electric vehicle charging

And 4 points per dollar on all other purchases.

Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

The More Rewards RBC Visa Infinite Card is not available to residents of Quebec.

Best RBC Specialty Credit Cards

Best Airline RBC Credit Cards

RBC® British Airways Visa Infinite

With this exceptional welcome offer for the RBC British Airways Visa Infinite Card, you can earn up to 60,000 Avios!

With this card, you get a Companion Award eVoucher (when you spend $30,000 or more in any calendar year). You can also take advantage of a 10% discount on British Airways flights when you book with your RBC British Airways Visa Infinite Card.

With the RBC British Airways Visa Infinite Card, you get:

  • 3 Avios per dollar spent with British Airways and BA Holidays
  • 2 Avios per dollar for grocery, dining and food delivery purchases
  • 1 Avios per dollar for all other purchases

What’s more, you benefit from a wide range of insurance coverages:

  • Out-of-Province/Country Emergency Medical Insurance
  • Travel accident insurance
  • Flight delay and essential items insurance
  • Hotel or motel burglary insurance
  • Collision and damage insurance for rental vehicles

WestJet RBC® World Elite Mastercard

With the WestJet RBC® World Elite Mastercard, you can earn up to $450 in WestJet Dollars as a welcome bonus:

  • 250 WestJet dollars upon your first purchase
  • 200 WestJet dollars when you spend $5,000 in the first three months

With the WestJet RBC® World Elite Mastercard, you get a travel companion voucher redeemable for a round-trip flight at a reduced rate. And your purchases can bring you closer to achieving status with WestJet.

In addition, the primary cardholder and up to 8 guests receive complimentary first checked bag on WestJet flights.

With the WestJet RBC® World Elite Mastercard, you earn 2% in WestJet dollars per dollar of purchase when you buy a WestJet flight or WestJet vacation package, and 1.5% in WestJet dollars on everyday purchases. If you travel regularly with WestJet, it’s like earning 1.5% to 2% cash back (including at Costco) to use towards the purchase of WestJet flights!

You’ll also benefit from a wide range of insurance plans: Out-of-Province/Country Emergency Medical Insurance, Travel Accident Insurance, Trip Interruption Insurance, Flight Delay and Emergency Purchases Insurance, Hotel/Motel Burglary Insurance, and Rental Vehicle Collision/Loss Damage Insurance.

WestJet RBC® Mastercard‡

With the WestJet RBC Mastercard, you can earn up to 100 WestJet Dollars as a new cardholder. You also get a companion voucher redeemable for a round-trip ticket for $199 when you use your card .

With this card, you earn 1.5% back in WestJet dollars when you buy WestJet flights or WestJet Vacations packages, and 1% back in WestJet dollars on everyday purchases.

Best Business RBC Credit Cards

Awards earned

Best Flexible Travel Rewards Credit Card

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The RBC Avion Visa Infinite Card is the Best Flexible Travel Rewards Credit Card in 2025 in Canada for these reasons:

  • Flexible Rewards
  • RBC Program Travel Partners Avion Rewards Partners: American Airlines, British Airways/Qatar Airways, WestJet, Cathay Pacific
  • Travel insurance
  • Accepted at almost every retailer worldwide

Best Credit Card For Gas And Transit

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The RBC ION+ Visa Card is the Best Credit Card for Gas and Transit in Canada in 2025 for these reasons:

  • 3 times the Avion points on groceries, travel, gas, electric vehicle charging, streaming services, digital games and subscriptions
  • 1 Avion point per dollar on all other eligible purchases
  • Save 3¢ per litre on gas and earn 20% more points at Petro-Canada
  • No annual fee

Frequently Asked Questions on RBC Credit Cards

Here are some frequently asked questions in the milesopedia community about RBC credit cards in Canada.

Bottom Line

Royal Bank of Canada (RBC) has clearly demonstrated its commitment to moving with the times. By combining digital banking services with advanced technology, such as the RBC mobile app, it guarantees its customers the ability to log in and access all its accounts and services for an optimal customer experience: banking services, investment management or securities advice.

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