The best RBC credit cards in Canada
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Cash Back Card
Earn 10% cash back during your first 4 months and 2% when your welcome rate ends.*
No Fee Card
Collect 4% in CT Money‡ at Canadian Tire and 1.5% on your first $12,000 per year in grocery purchases (excludes Costco and Walmart)
Rewards Points Card
Apply now and you could earn up to 30,000 bonus points with the American Express Cobalt® Card
Whether you want cash back or travel points, lounge access benefits or roadside assistance perks - there's a credit card out there that's right for you. Find it in under 2 minutes.
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Mikael Castaldo, Senior Business Manager Everyday Banking
Note: at the request of the card issuer, we have been asked not to display these credit cards.
RBC credit cards overview
As Canada’s largest bank, RBC offers a mix of Visa and Mastercard credit cards for the diverse needs of Canadians, including some of the most popular loyalty rewards credit cards in Canada. RBC’s five most popular credit cards are the: RBC VISA Infinite Avion ($120 annual fee), WestJet RBC World Elite Mastercard ($119 annual fee), RBC Cash Back Preferred World Elite Mastercard ($99 annual fee), the RBC Cash Back Mastercard ($0) and the RBC RateAdvantage VISA ($0).
The RBC VISA Infinite Avion credit card lets you collect loyalty Avion reward points that can be redeemed for travel from any airline of your choice and wide array of merchandise options. With the WestJet RBC World Elite Mastercard, you'll collect between 1.5% to 2% in WestJet dollars that can be redeemed for free or discounted flights exclusively from the Canadian airline (with $1 WestJet Dollar equalling $1 in travel rewards). Both cards provide a suite of travel insurance perks, with the WestJet Card offering additional airline-specific benefits like a free round-trip companion voucher and free first-checked in bags when flying on WestJet.
Interested in getting cash back instead of rewards points? The RBC Cash Back Mastercard is an entry-level no annual fee card that lets you earn up to 2% cash back on groceries and 0.5% on most other everyday purchases. The RBC CashBack World Elite carries a $99 annual fee but earns a more lucrative 1.5% cash back on everything you buy.
If you want to avoid high interest rates, or if you sometimes carry a balance on your card, getting a credit card with a low interest rate, such as the RBC RateAdvantage VISA (which charges Prime + 4.99% - Prime +8.99%; depending on your credit rating), could also be a great choice for you.
RBC credit card partnerships
RBC has teamed up with select retailers to offer credit cards tailored to reward their loyal customers. RBC’s credit card partnerships include:
- The RBC Esso VISA for gas and auto rewards
- The WestJet RBC World Elite Mastercard lets you earn rewards towards eligible flights or vacation packages provided by WestJet.
More on RBC
The Royal Bank of Canada is Canada's largest bank as measured by assets and market capitalization, and is among the largest banks in the world, based on market capitalization. It is a diversified financial services company, with personal and commercial banking, wealth management services, insurance, and corporate and investment banking. It employs approximately 78,000 employees who serve close to 18 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 51 other countries. In Canada, RBC serves approximately 10 million clients through its 1,209 branches.
Mikael is a Senior Business Manager at Ratehub.ca and the driving force behind our Everyday Banking Team. He knows everything there is to know about the best credit cards and bank accounts, and works closely with Canada’s top financial institutions - from banks to credit unions - to help ensure our over 1,200,000 monthly users get matched with the right plastic. A numbers guy at heart, having worked as a strategy consultant at the Boston Consulting Group, he’s found himself right at home as a personal finance expert at Ratehub.ca.
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Travel and Cash
Credit Card Basics
Types of Rewards Credit Cards
- Credit Card Rental Car Insurance
- Trip Cancellation/Interruption Insurance
- Travel Medical Insurance
- Travel Accident Insurance
- Delayed Baggage Insurance
- Lost Luggage Insurance
- Flight Delay Insurance
- Hotel/Motel Burglary Insurance
- Purchase Security Insurance
- Price Protection Insurance
- Extended Warranty Insurance