The best RBC credit cards – May 2026

Q: Does RBC Royal Bank of Canada have Visa Infinite credit cards?

Yes, RBC has two Visa Infinite credit cards:- RBC Avion Visa Infinite Card; - RBC British Airways Visa Infinite; Both RBC Visa Infinite credit cards offer travel rewards points.With these Visa Infinite credit cards, you benefit from numerous advantages reserved for Visa Infinite credit card holders:- Visa Infinite Luxury Hotel Collection; - Visa Infinite Concierge; - Visa Infinite Insurance;

Below are the best credit card offers from RBC, the Royal Bank of Canada:

Top RBC Rewards credit cards
The best RBC British Airways credit card
Best No Annual Fee RBC Credit Cards
The Best RBC Cash Back Credit cards
The Best RBC More Rewards credit cards
The best low-interest RBC credit card
The best RBC WestJet credit cards
The Best RBC Specialty Credit cards
The Best RBC Credit cards for Business

Best credit cards RBC Avion Rewards

RBC Avion Visa Infinite Card

With this exceptional limited-time welcome offer, you can earn up to 70,000 Avion points as a welcome bonus with the RBC Avion Visa Infinite Card!

Receive 35,000 points upon approval
20,000 additional points when you spend $5,000 within the first six months of account opening
15,000 points on your account anniversary

You can use your Avion Rewards points to book flights with over 500 airlines or transfer them to select partner loyalty programs, such as:

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

You can also maximize the value of your points using the Air Travel Redemption Schedule, which offers fixed pricing year-round based on the destination and flight type.

Depending on your goals, this offer can represent strong value, particularly for transfers to partner programs or for using the Air Travel Redemption Schedule.

With the RBC Avion Visa Infinite Card, you earn 1.25 Avion points per dollar on eligible travel purchases¹² and 1 point per dollar on all other eligible purchases².

The card also includes several insurance coverages⁷, including trip cancellation and interruption insurance, out-of-province/country emergency medical insurance, rental vehicle collision/loss damage insurance, and mobile device insurance.

RBC Avion Visa Infinite Privilege Card

With this exceptional, limited-time welcome offer, you can earn up to 100,000 Avion points¹ as well as 6 airport lounge passes² with the RBC Avion Visa Infinite Privilege Card:

35,000 Avion points upon approval
An additional 20,000 Avion bonus points when you spend $5,000 in your first 6 months
45,000 Avion points as an anniversary bonus after the first year

Earn 1.25 Avion points per dollar on all purchases and use your points to book flights with the airline of your choice, with no seat or date restrictions.

It also stands out for its travel perks, including 6 free airport lounge visits each year, a real plus for frequent travellers.

Finally, the card includes comprehensive insurance coverage for your travels and purchases, providing you with daily peace of mind.

RBC ION+ Visa Card

With the RBC ION+ Visa Card, earn 14,000 Avion points upon approval¹, representing a value of approximately $100 in gift cards^+!.

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, benefit from mobile device insurance³ providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.

Best Cash Back RBC Credit Cards

RBC Cash Back Preferred World Elite Mastercard

RBC Cash Back Mastercard

Best No Annual Fee RBC Credit Cards

moi RBC Visa Credit Card

With the moi RBC Visa Card, you can earn a welcome bonus of 5,000 points:

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

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

eligible purchases made at participating stores at Metro, Première Moisson, and Brunet in Quebec, as well as 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

Best RBC Low Interest Rate credit card

RBC Visa Classic Low Rate Option Card

Enjoy a promotional interest rate of 0.99% on balance transfers for the first 10 months, and pay no annual fee for the first year. Submit your application by September 30, 2026.

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 get 20% more Petro-Points by linking your RBC Visa Classic Low Rate Option Card to your Petro-Points program card. Finally, you get free deliveries for six months with DoorDash by adding your RBC Visa Classic Low Rate Option Card to your DoorDash account.

This way, you can get a free six-month DashPass subscription worth nearly $60 and enjoy unlimited free deliveries on orders of $15 or more by paying with your RBC Visa Classic Low Rate Option Card.

Best RBC WestJet credit cards

WestJet RBC® World Elite Mastercard‡

With the WestJet RBC^{^®} World Elite Mastercard‡ , you can earn up to 45,000 WestJet points as a welcome bonus:

25,000 WestJet points on your first purchase
20,000 WestJet points when you spend $5,000 within the first three months

With the WestJet RBC World Elite Mastercard, you get a World Elite Companion Voucher redeemable for a round-trip flight at a reduced rate. What’s more, your purchases bring you one step closer to a status lift with WestJet.

Also, the primary cardholder and up to 8 guests benefit from free check-in of the first bag on WestJet flights.

With the WestJet RBC World Elite Mastercard, you earn 2 WestJet points per dollar of purchase when you buy a flight, a WestJet or Sunwing vacation package, and 1.5 WestJet points on everyday purchases.

Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip interruption insurance, flight delay insurance and essential item purchases, hotel or motel burglary insurance, rental vehicle collision and damage insurance.

Best RBC British Airways credit card

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 benefit from a companion voucher (by spending $30,000 or more during a calendar year). Additionally, you can enjoy a 10% discount on British Airways flights when booking 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 on groceries, dining, and food delivery
1 Avios per dollar for all your other purchases

In addition, you benefit from extensive insurance coverage:

Out-of-province/country emergency medical insurance
Travel Accident Insurance
Flight delay and essential items purchase insurance
Hotel or motel burglary insurance
Rental vehicle collision and damage insurance

Best RBC Specialty Credit Cards

Best Business RBC Credit Cards

Awards Earned

Here are the awards received in the Milesopedia ranking of the best credit cards in Canada in 2024:

Best Flexible Travel Rewards Credit Card

The best RBC credit cards – May 2026 - 2025 Milesopedia Rankings Best Credit Card Flexible Travel Rewards

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

The best RBC credit cards – May 2026 - 2025 Milesopedia Rankings Best Credit Card Gas Transportation

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.

What are the best RBC cash back credit cards?

The Best RBC cash back credit card is the RBC Cash Back Preferred World Elite Mastercard. With this RBC credit card, you’ll earn 1.5% cash back on all your purchases.

Which airlines are partnering with the Royal Bank of Canada (RBC)?

Royal Bank of Canada offers several RBC airline co-branded credit cards:

In addition, through the RBC Avion program, Royal Bank of Canada allows RBC Avion credit cardholders to transfer their points to certain loyalty programs:

British Airways Club
American AAdvantage
Asia Miles
Westjet Rewards

What is the best RBC Avion credit card?

You could apply for the RBC Avion Visa Infinite Card which is the best RBC Avion credit card (formerly known as RBC Rewards). With this RBC Avion credit card, you’ll earn a welcome bonus and 1 point for every $1 in purchases.

What’s more, RBC RBC Avion Visa Infinite Card holders are regularly targeted for RBC offers. These are RBC promotional offers that you can discover by logging into your Royal Bank of Canada online account.

Can I have multiple RBC credit cards?

Yes, you can have multiple Royal Bank of Canada credit cards at the same time. For example, the RBC Avion Visa Infinite Card (one of the best RBC Avion / RBC Rewards credit cards) and the WestJet RBC^® World Elite Mastercard (one of the best RBC credit cards for frequent travellers in Canada).

What is the best RBC credit card for travel?

RBC Royal Bank of Canada offers several cards for travel in North America or worldwide. First, the RBC Avion Visa Infinite Card (one of the best credit cards with travel rewards).

Secondly, RBC Royal Bank of Canada has cards that offer airline loyalty program points. Like the RBC British Airways Visa Infinite Card (one of the best credit cards offering Avios points) and the RBC WestJet World Elite Mastercard.

These credit cards are perfect for travel and offer you premium insurance for your travels in North America or around the world and your daily purchases (extended warranty).

What's the best RBC credit card for beginners?

For those who have never had an RBC card and are not students, consider the RBC ION+ Visa card, recognized as a preferred choice. Upon approval, it offers a welcome bonus in Avion points, a godsend for those looking to take advantage of North America’s most advantageous flight rewards program.

It’s particularly attractive for everyday purchases, with 3 Avion points per dollar accumulated in a variety of areas, and one Avion point per dollar for other expenses. If you base the annual value of rewards on average spending in Canada, and deduct annual fees, this represents a considerable gain. What’s more, with certain RBC accounts, annual fees are reduced for the first year.

Can I apply for a card online with RBC?

Yes, you can apply for a card online with RBC. Simply click on the Apply button next to each RBC credit card on this page.

Does RBC Royal Bank of Canada have Visa Infinite credit cards?

Yes, RBC has two Visa Infinite credit cards:

Both RBC Visa Infinite credit cards offer travel rewards points.

With these Visa Infinite credit cards, you benefit from numerous advantages reserved for Visa Infinite credit card holders:

Visa Infinite Luxury Hotel Collection
Visa Infinite Concierge
Visa Infinite Insurance

Is the RBC Avion Rewards program worth it?

Absolutely, the program RBC Avion Rewards is distinguished by its simplicity: no travel restrictions or blackout dates. When redeeming points for flights, the value of each Avion point is far superior to that of many other loyalty programs. When redeeming on the RBC travel portal, each point maintains a stable value, and the same applies to gift cards and merchandise.

Which credit bureau is verified by RBC?

RBC partners with Transunion to check your credit report.

What credit score is required for an RBC Visa?

Although the criteria vary from one RBC credit card to another, credit agencies in Canada consider a score of 650 to be the minimum to obtain a card.

How do I link my RBC credit card to my WestJet Rewards account?

When you apply for your RBC WestJet credit card, provide your WestJet Rewards membership number. If you have not done so, you will need to call RBC to request that your RBC credit card be linked to your WestJet Rewards account.

How do I link my RBC credit card to my British Airways Executive Club account?

When applying for your RBC British Airways Executive Club credit card, please provide your British Airways Executive Club membership number. If you have not done so, you will need to call RBC to request that your RBC credit card be linked to your British Airways Executive Club account.

Do RBC credit card holders get RBC offers?

Yes, as an RBC credit card holder, you are eligible to receive RBC offers. You can view these offers by logging into your Royal Bank of Canada online account.

How do I contact RBC Visa Customer Service?

You can contact the Royal Bank of Canada and RBC Visa / RBC Mastercard at 1-800-769-2523. However, if your request is for a lost or stolen card, call the Royal Bank of Canada at 1 800 769-2512.

How do I increase my RBC credit card limit?

To increase your RBC credit card limit, log in to your RBC online account or contact customer service directly. They will assess your eligibility based on your credit history and income.

How do I change my RBC credit card?

If you wish to change your RBC credit card, visit an RBC branch or consult the various offers available online. Once you’ve identified a new card that meets your needs, contact customer service to help with the transition.

How can I find out my RBC credit score?

RBC often offers online tools for its customers to check their credit score. You can access this information through your RBC credit card online account or by speaking to a representative.

How does an RBC credit card work?

RBC credit cards work like most credit cards: they allow users to make purchases now and pay later, usually with an interest rate. What’s more, some cards offer additional rewards and benefits.

How do I get a credit card?

To get an RBC credit card, you can apply online at Milesopedia, which will redirect you to a secure page on the RBC website with a great welcome offer. Alternatively, you can visit a branch or contact customer service. They will guide you through the application process and check your eligibility.

How do I activate my RBC credit card?

Once you’ve received your RBC credit card, you can usuallyactivate it by calling a dedicated number or through your online account. Follow the instructions supplied with the card to complete activation.

How do I cancel my RBC credit card?

If you wish to cancel your RBC credit card, we recommend that you contact RBC Customer Service. They can guide you through the cancellation process and answer any questions you may have about your remaining balance or benefits.

Conclusion

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.