Below are the best credit card offers from RBC, the Royal Bank of Canada:
Best RBC Avion Rewards Credit Cards
RBC Avion Visa Infinite Card
With this exceptional offer for the RBC Avion Visa Infinite Card, you can earn up to 55,000 Avion points:
- 35,000 Avion points on approval
- 20,000 Avion bonus points when you spend $5,000 in your first 6 months
You can use your Avion Rewards points for travel or redeem them with other loyalty programs such as :
- American Airlines AAdvantage
- British Airways Executive Club (and Qatar Airways Privilege Club)
- Cathay Pacific Asia Miles
- WestJet Rewards
For example, with the current welcome offer, you can get 55,000 British Airways Avios Points or 550 WestJet Dollars.
With the RBC Avion Visa Infinite Card, you earn 1 point per dollar and 1.25 points for travel purchases.
And you’ll benefit from a wide range of insurance coverage: Trip Cancellation and Interruption Insurance, Out-of-Province/Country Emergency Medical Insurance, Rental Vehicle Collision/Loss Damage Insurance, Mobile Device Insurance.
RBC ION+ Visa Card
With the RBC ION+ Visa Card, you can earn up to 7,000 Avion points as a welcome bonus.
With this RBC credit card, you can earn 3 Avion points per dollar for :
- Grocery, Dining & Food Delivery
- Rides, Gas & EV 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.
Best Airline RBC Credit Cards
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 3 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 purchasing WestJet flights!
Finally, you benefit from many insurance coverages Emergency Out-of-Province/Country Medical Insurance, Travel Accident Insurance, Trip Interruption Insurance, Flight Delay and Emergency Purchases Insurance, Hotel/Motel Burglary Insurance, Collision Damage Waiver for Rental Cars.
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.
You get 3 Avios for every dollar you spend at British Airways, 2 Avios for every dollar you spend at grocery stores and restaurants, and 1 Avios for every dollar you spend on 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® Mastercard‡
With the WestJet RBC Mastercard, you can earn up to $100 welcome WestJet Dollars. 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% in WestJet dollars when you buy WestJet flights or WestJet Vacations packages, and 1% in WestJet dollars on everyday purchases.
Best No Annual Fee RBC Credit Cards
moi RBC Visa Credit Card
With the RBC Visa Card you can earn a welcome bonus of 3,000 points.
With this no-annual-fee RBC credit card, you can earn 2 points per dollar on:
- qualifying purchases made at participating Metro, Première Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, Ontario and New Brunswick by swiping your Moi card and paying with your moi RBC Visa credit card
- dining, gas and EV charging purchases
And 1 point 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
RBC ION Visa Card
With the RBC ION Visa card, you can earn 3,500 Avion points as a welcome bonus.
With this no-annual-fee RBC credit card, you can earn 1.5 Avion points per dollar for :
- Grocery
- Rides, Gas & EV 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
Best RBC Low-Interest Credit Card
RBC Visa Classic Low Rate Option Card
The 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 membership card. Finally, get free delivery for three months with DoorDash by adding your RBC Visa Classic Low Rate Option Card to your DoorDash account.
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 when you pay with your RBC Visa Classic Low Rate Option Card.
Best Cash Back RBC Credit Cards
Best RBC Specialty Credit Cards
Best Business RBC Credit Cards
Awards earned
Here are the awards received in the Milesopedia’s 2024 Credit Card Awards:
Best Flexible Travel Rewards Credit Card
The RBC Avion Visa Infinite Card is the Best Flexible Travel Rewards Credit Card in 2024 in Canada for these reasons:
- Flexible Rewards
- Travel partners through the RBC Avion Rewards program: American Airlines, British Airways/Qatar Airways, WestJet, Cathay Pacific
- Travel insurance
- Accepted at almost every retailer worldwide
Best No-Fee Credit Card For Everyday Spending
The RBC ION Visa card is the Best No-Fee Credit Card For Everyday Spending in 2024 in Canada for these reasons:
- 1.5x 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:
- RBC® British Airways Visa Infinite
- WestJet RBC® Mastercard‡
- WestJet RBC® World Elite Mastercard
- RBC Cathay Pacific Visa Platinum Card
In addition, through the RBC Avion program, Royal Bank of Canada allows RBC Avion credit card holders to transfer their points to some frequent flyer programs:
- British Airways Executive 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, the best RBC Avion (formerly known as RBC Rewards) credit card. With this RBC Avion credit card, you’ll earn a welcome bonus and 1 point for every $1 in purchases.
In addition, RBC Avion Visa Infinite Card credit cardholders 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. Such as 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 flyers 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 travel rewards credit cards).
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 with Avios points), the RBC WestJet World Elite Mastercard and the RBC Cathay Pacific Visa Platinum Card.
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 is particularly attractive for day-to-day purchases, with an accumulation of 3 Avion points per dollar in various areas, and one airplane point per dollar for other expenses. If you estimate the annual value of rewards based on average Canadian spending 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 can enjoy many benefits 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 RBC Avion Rewards program stands out for its simplicity: no travel restrictions or blackout dates. When redeeming points for flights, the value of each Avion point is far greater than that of many other loyalty programs. When you redeem on the RBC Travel Portal, each point maintains a stable value, which goes for 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 get approved for an RBC credit 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 to link your RBC credit card 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.
How do I link my RBC credit card to my Asia Miles Cathay Pacific account?
When applying for your RBC Asia Miles credit card, please provide your Asia Miles membership number. If you have not done so, you will need to call RBC to request a link between your RBC credit card and your Asia Miles 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.
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.