15 Best RBC Credit Cards in Canada For 2022

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This is a list of the best RBC credit cards in Canada.

The Royal Bank of Canada (RBC) is not only the largest bank in Canada, but one of the largest in the world based on market capitalization.

With over 17 million clients across Canada and 28 other countries including the US, RBC is a full-fledged multinational financial company.

One of the areas RBC outshines other banks out there lies in its collections of credit cards. From cashback, rewards, no-fee, low-interest, travel, and student to business credit cards, RBC is a one-stop-shop credit card issuer.

If you’re looking to apply for an RBC credit card but are not sure which to choose, this review is for you. In this post, you will learn about the best RBC credit cards across different categories so that you can easily choose the one that suits your needs.


Overview of the Best RBC Credit Cards in Canada 

The following is a quick highlight of the best RBC credit cards with their varying annual fees. 

Credit CardAnnual Fee
RBC Cash Back Mastercard$0
RBC Cash Back Preferred World Elite Mastercard$99
RBC Rewards Visa Preferred$110
RBC Avion Visa Infinite Privilege$399
RBC Rewards+ Visa$0
RBC Visa Platinum$0
RBC Avion Visa Infinite$120
RBC U.S. Dollar Visa Gold$65 USD
RBC British Airways Visa Infinite$165
RBC RateAdvantage Visa$0
RBC Visa Classic Low Rate Option$20
Signature RBC Rewards Visa$39 (no fee for students)
RBC Business Cash Back Mastercard$0
RBC Avion Visa Business$120
RBC Visa CreditLine for Small Business$120

Best RBC Cash Back Credit Cards 

Like other big banks in Canada, RBC also offers cash back credit cards to help you offset some of the cost of your purchases. Below are some of the best RBC cash back credit cards to consider:

1. RBC Cash Back Mastercard

  • Annual fee: $0
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: N/A
  • Income Eligibility: N/A

The RBC Cash Back Mastercard is a no-fee cash back credit card that offers you unlimited 2% cash back on every grocery purchase. 

Every other eligible purchase and pre-authorized payment with the card will earn you an unlimited 1% cash back.

Besides these rewards, the card also gives you access to a 3¢/L discount on your fuel purchases at  Petro-Canada. This is in addition to 50 Be Well points on every $1 eligible purchase at Rexall and 3-month free delivery from DoorDash.

Finally, the RBC Cash Back Mastercard also features comprehensive optional insurance such as: 

  • Purchase security and extended warranty protection
  • Balance Protector Insurance
  • Add-on Travel Insurance
  • Identity Theft & Credit Protection
  • RBC Road Assistance
RBC Cash Back Mastercard

2. RBC Cash Back Preferred World Elite Mastercard

  • Annual fee: $99
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: N/A
  • Income Eligibility: $80,000 minimum personal income or $150,000 minimum household income

The RBC Cash Back Preferred World Elite Mastercard is an advanced cash back credit card with premium benefits. 

While it charges a $99 annual fee, the card offers unlimited 1.5% cash back on every purchase. In addition, it gives you access to a complimentary Boingo Wi-Fi account.

Like the RBC Cash Back Mastercard, this credit card also helps you save 3¢/L on fuel purchases at Petro-Canada and earns 50 Be Well points on every eligible purchase at Rexall.

However, the RBC Cash Back Preferred World Elite Mastercard gives you access to 12-month free delivery from DoorDash, saving you up to $120.  

With optional insurance coverage such as Identity Theft & Credit Protection, Balance Protector Insurance and Travel Insurance, you can count on this credit card for maximum comfort. 

RBC Cash Back Preferred World Elite Mastercard

Best RBC Reward Credit Cards

Reward credit cards also help you offset the portfolio of your purchases like cash back credit cards.

But in this case, you’re earning redeemable points instead of real cash back. If that’s what you’re looking for, check out the following RBC best rewards cards.

3. RBC Rewards Visa Preferred

  • Annual fee: $110
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: 2,500 bonus RBC Rewards points
  • Income Eligibility: N/A

The RBC Rewards Visa Preferred is one of the best rewards cards in Canada that’s unique for its comprehensive collection of travel insurance. 

With this card, you will have maximum comfort on your trips with the following insurance:  

  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Emergency Purchases Insurance
  • Flight Delay Insurance
  • Auto Rental Collision/Loss Damage Insurance
  • Hotel/Motel Burglary Insurance
  • Emergency Medical Insurance
  • Travel Accident Insurance

Besides the above comprehensive travel insurance, the RBC Rewards Visa Preferred offers the following optional insurance: 

  • BalanceProtector Insurance
  • Services and Protection
  • Identity Theft & Credit Protection
  • Roadside Assistance 

Despite this extensive insurance, the RBC Rewards Visa Preferred card still manages to reward new users with up to 2,500 bonus RBC Rewards points. 

Every $1 purchase you make with the card will earn you 1 RBC Rewards point. You can redeem your points for travel, gift cards/certificates, merchandise, or financial rewards. 

With this and lots of other benefits, such as a 3¢/L discount at Petro-Canada, 12-month free delivery from DoorDash, the RBC Rewards Visa Preferred could be your best reward credit card in Canada.

RBC Rewards Visa Preferred

4. RBC Avion Visa Infinite Privilege

  • Annual fee: $399
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: Up to 55,000 points
  • Income Eligibility: $200,00 minimum personal income or $200,000 minimum household income

The RBC Avion Visa Infinite Privilege stands out from other rewards credit cards in Canada because of its competitive welcome offer. As a new user, you can earn up to 55,000 points with the card by performing the following tasks:

  • Sign-up for the card by September 16, 2022, to get 35,000 Welcome Points
  • Spend a minimum of $5,000 within your  initial six months of membership and get 20,000 bonus points

After this competitive welcome offer expires, the RBC Avion Visa Infinite Privilege card rewards you with 1.25 RBC Rewards points on every $1 purchase.

In addition, the card gives you access to some of the exclusive benefits and experiences of Avion cards ranging from dining, entertainment, and golf green to red carpet. 

As if that’s not enough, the card also offers you extensive insurance coverage, such as:

  • Trip interruption insurance
  • Trip cancellation
  • Emergency medical insurance
  • Purchase protection
  • Mobile device insurance 
RBC Avion Visa Infinite Privilege

Best RBC No-Fee Credit Cards

No-fee credit cards are designed to give you the experience of a credit card without annual fees. The following are some of the best RBC no-fee credit cards to choose from: 

5. RBC Rewards+ Visa

  • Annual fee: $0
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: 3,500 RBC Rewards points
  • Income Eligibility: N/A

Despite having no annual fee, the RBC Rewards+ Visa card rewards you with up to 3,500 RBC Rewards points within your initial 60 days of membership. 

All you need is to complete the following tasks to earn 500 points per each:

  • Download and sign into any of the following apps: RBC Rewards, RBC Launch or RBC Mobile app
  • Share your email address with RBC
  • Register your card for eStatements 

After the welcome offer expires, you will earn 1 RBC Rewards point on every $1 purchase on groceries, gas and drugs. Every other $2 purchase will also earn you 1 RBC Rewards point.

With 3-month free delivery from DoorDash, a 3¢/L discount at Petro-Canada and optional insurance coverage, RBC Rewards+ Visa is worth checking out.

RBC Rewards+ Visa

6. RBC Visa Platinum

  • Annual fee: $0
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: N/A
  • Income Eligibility: N/A

The RBC Visa Platinum is another best RBC no-fee credit card that offers up to a $50,000 credit limit. Besides waiving annual fees, this card also waives additional card fees, helping you save more. 

In addition, the RBC Visa Platinum comes with premium insurance coverage on eligible purchases, travel, car and emergency travel assistance.

Like other RBC credit cards, the RBC Visa Platinum also helps you save 3¢/L on fuel at Petro-Canada and enjoy 3-month delivery free from DoorDash.

RBC Visa Platinum

RELATED: Best No-Fee Credit Cards in Canada


Best RBC Travel Credit Cards 

If you travel often, it’s smart to have a dedicated travel credit card that will not only help you reduce your travel expenses but give you access to exclusive travel benefits.

The following are the best RBC travel credit card that can give you the desired result: 

7. RBC Avion Visa Infinite

  • Annual fee: $120
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: Up to 55,000 bonus points
  • Income Eligibility: $60,000 minimum personal income or $100,000 minimum household income

The RBC Avion Visa Infinite is a leading travel credit card in Canada that welcomes new users with up to 55,000 bonus points within their initial 6 months of membership.

All you need to earn the 55,000 welcome bonus points is to sign-up for the card by September 16, 2022, and spend a minimum of $5,000 within your initial six months of membership.

After the welcome offer expires, you will earn an unlimited 1 RBC Rewards point on every purchase. Every eligible travel-related purchase will earn you 25% more rewards. 

As an Avion card, the RBC Avion Visa Infinite gives you access to exclusive benefits and experience on dining, entertainment, golf green, red carpet and so on.  

In addition, the card offers you exclusive Visa Infinite benefits dining, hotel, and events available at www.visainfinite.ca.

Finally, you can travel with peace of mind with RBC Avion Visa Infinite knowing that you’re covered with extensive insurance coverage, such as:

  • Trip interruption insurance
  • Trip cancellation
  • Emergency medical insurance
  • Purchase protection
  • Mobile device insurance 
RBC Avion Visa Infinite

8. RBC U.S. Dollar Visa Gold

  • Annual fee: $65 USD
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: N/A
  • Income Eligibility: N/A

The RBC U.S. Dollar Visa Gold is a cost-saving travel card for foreign transactions. With this card, you can avoid currency fluctuations while making transactions in US dollars. 

While it charges a $65 USD annual fee and $30 USD per additional card, the RBC U.S. Dollar Visa Gold rewards you with 1 RBC Rewards point for all your eligible USD purchases. 

Depending on your needs, you can redeem your points for travel, merchandise, gift cards or financial rewards. 

Besides having extensive insurance coverage such as 24/7 travel assistance and trip cancellation, the card also saves fuel purchases at Petro-Canada and enjoys 3-month free delivery from DoorDash.

RBC U.S. Dollar Visa Gold

9. RBC British Airways Visa Infinite

  • Annual fee: $165
  • Annual interest: 20.50% on purchases & 22.99% on cash advances
  • Welcome offer: Up to 60,000 bonus Avios
  • Income Eligibility: $60,000 minimum personal income $100,000 minimum household income of $100,000

Do you frequent British Airways? The RBC British Airways Visa Infinite is designed for you. The card welcomes new users with up to 60,000 bonus Avios.

However, you must perform the following tasks to claim this competitive welcome offer:

  • Sign-up for the card by September 30, 2022, to get 15,000 Avios 
  • Spend a minimum of C$6,000 within your initial three months of membership to receive 35,000 bonus Avios
  • After your first year, you will get a 10,000 bonus Avios

Subsequently, the RBC British Airways Visa Infinite card will reward you with 1 Avios for all C$1 purchases. Every C$1 purchase with the card at British Airways will earn you double Avios.

And when you spend up to $30,000 annually with the card, RBC will reward you with a Companion Award eVoucher.

In addition to discount at Petro-Canada and access to 12-month free delivery from DoorDash, the RBC British Airways Visa Infinite card also offers optional insurance coverage as follows: 

  • Travel Insurance
  • Balance Protector Insurance
  • RBC Road Assistance
  • Identity Theft & Credit Protection
RBC British Airways Visa Infinite

Best RBC Low-Interest Credit Cards

If you’re in the market for the best low-interest credit card, RBC could be your final bus stop. The Canadian largest bank offers some of the best options out there discussed below. 

10. RBC RateAdvantage Visa

  • Annual fee: $0
  • Annual interest: Prime + 4.99% – 8.99% on purchases & Prime + 4.99% – 8.99% on cash advances
  • Welcome offer: N/A
  • Income Eligibility: N/A

Despite having no annual fee, the RBC RateAdvantage Visa card still charges low interest on purchases and cash advances as highlighted above.

In addition, the RBC RateAdvantage Visa card charges no fee on additional card users, helping you save more. 

The card also gives you access to a 3¢/L discount on fuel at Petro-Canada, a 3-month free delivery from DoorDash and 50 Be Well points on all eligible $1 purchases at Rexall.

Finally, you can use the RBC RateAdvantage Visa card with peace of mind knowing that you’re protected with Purchase Security and Extended Warranty insurance. You can also subscribe to optional insurance coverage such as: 

  • Balance Protector Insurance
  • Travel Insurance
  • RBC Road Assistance
  • Identity Theft & Credit Protection

11. RBC Visa Classic Low Rate Option

  • Annual fee: $20
  • Annual interest: 12.99% on purchases & cash advances
  • Welcome offer: N/A
  • Income Eligibility: N/A

The RBC Visa Classic Low Rate Option is another low-interest credit card with a  $20 annual fee and a $0 fee per additional card. 

With 12.99% interest on purchases and cash advances and a low annual fee, the card gives you the benefits of a credit card at a low cost. 

Besides the low-interest rates, the RBC Visa Classic Low Rate Option also gives you access to discounts on fuel purchases at Petro-Canada, a 3-month free delivery from DoorDash and more Be Well points at Rexall.

What I also like about the RBC Visa Classic Low Rate Option lies in its comprehensive insurance coverage ranging from: 

  • Zero liability protection 
  • Purchase security and extended warranty insurance
  • Travel Insurance
  • Balance Protector Insurance
  • RBC Road Assistance
  • Identity Theft & Credit Protection
RBC Visa Classic Low Rate Option

Read more: 21 Best Low Interest Credit Cards in Canada


Best RBC Student Credit Cards

Like other banks in Canada, RBC also has dedicated credit cards for students which can help in building their credit at a low cost. While some of the above cards are also suitable for students, the following card is more tailored to students.

12. Signature RBC Rewards Visa

  • Annual fee: $39 (no fee for students)
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: N/A
  • Income Eligibility: N/A

The Signature RBC Rewards Visa is a student-friendly credit card that charges an annual fee of $39. However, students are exempted from paying the annual fee.

Moreso, the card rewards users with 1 RBC Rewards point for every eligible $1 purchase. You can also earn double points at some partner stores.  

When you accumulate up to 2,500 points, you can redeem your points for merchandise, travel, gift cards or financial rewards. 

In addition to discounts on fuel purchases at Petro-Canada, a 3-month free delivery from DoorDash and more Be Well points at Rexall, the Signature RBC Rewards Visa also gives you access to comprehensive such as: 

  • Car rental
  • Purchase security and extended warranty
  • Travel Insurance
  • RBC Road Assistance
  • Identity Theft & Credit Protection
  • Balance Protector Insurance
Signature RBC Rewards Visa

Best RBC Business Credit Cards

Separating your individual expenses with your business expenses is what a business credit card helps you achieve. But should you just sign-up for any business credit card out there? Capital NO! RBC offers some of the best business credit cards out there.  

13. RBC Business Cash Back Mastercard

  • Annual fee: $0
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: 2% cash back on purchases
  • Income Eligibility: N/A

The RBC Business Cash Back Mastercard is a no-fee cash back credit card that rewards you with 2% cash back on your first 3-month purchases. 

After the welcome offer expires, you will earn 1% cash back on all purchases. Once you accumulate up to $25 cash back, RBC will credit you automatically. 

Besides instant fuel discount at Petro-Canada and access to 3-month delivery from DoorDash, the RBC Business Cash Back Mastercard offers the following comprehensive insurance coverage: 

  • Purchase Security
  • Extended Warranty
  • Fraud Prevention & Enhanced Security
RBC Business Cash Back Mastercard

14. RBC Avion Visa Business

  • Annual fee: $120
  • Annual interest: 19.99% on purchases & 22.99% on cash advances
  • Welcome offer: 20,000 points
  • Income Eligibility: N/A

While the RBC Avion Visa Business charges a $120 annual fee, the fee is reduced when you hold multiple cards. 

The RBC charges $50 per additional card and offers access to premium rewards and premium insurance coverage such as: 

  • Purchase Security
  • Extended Warranty
  • Liability Waiver Insurance
  • Fraud Prevention and Enhanced Security

Besides offering 20,000 welcome points, the card rewards you with 1 RBC Rewards point on every $1 purchase. You can use the point to pay your balance, save in your personal account, pay your employees or invest in your business.

Finally, the card gives you a 3¢/L discount on fuel purchases at Petro-Canada and up to a 30% discount on car rental at Hertz.

RBC Avion Visa Business

15. RBC Visa CreditLine for Small Business

  • Annual fee: $0
  • Annual interest: Prime + 2.9% to 11.9 on purchases
  • Welcome offer: N/A
  • Income Eligibility: N/A

The RBC Visa CreditLine for Small Business is a hybrid business credit card with a low-interest rate on purchase and zero annual fees. It combines the features of a line of credit with a credit card to give you maximum comfort. 

Despite having low interest with no annual fee, the card rewards you with 1 RBC Rewards point for every $2 purchase. You can redeem your points for travel or the latest tech products out there. 

While you can only add one authorized user, there’s no additional card fee. This is in addition to exclusive access to a 3¢/L discount on fuel purchase at Petro-Canada and 3-month free delivery from DoorDash.

Moreover, you can use the RBC Visa CreditLine for Small Business with optimal comfort because it offers comprehensive insurance including Purchase Security and an Extended Warranty.

RELATED: Best Business Credit Cards in Canada 

RBC Visa CreditLine for Small Business

Which RBC Credit Card is Perfect for You?

As expected, not all the above RBC credit cards would suit your needs. But since the cards vary by category, it’s essential you first identify the one that best suits your needs.

Generally, you want to consider the following factors before choosing any credit card:

  • Credit limit
  • Annual Interest on purchases, cash advances and balance transfers
  • Reward rate
  • Promotions
  • Eligibility (including credit score and income eligibility)

Depending on your needs, you may go with more than one of the above RBC credit cards. Regardless of the card you’re going with, you can’t make the wrong decision once you prioritize your needs.


RBC Credit Cards Requirements

The above RBC credit cards have varying requirements like other credit cards in Canada. However, the general requirements include: 

To avoid disappointment and waste of time and effort, it’s better to confirm the requirements of your preferred RBC card before applying. 


How to Apply for RBC Credit Card

You can apply for the above RBC business credit cards in-branch or by phone at +1 888-611-9712.

On the other hand, you can apply for no-business RBC credit cards through the RBC Online Banking or RBC Mobile app.

All you need to apply through RBC Online Banking is to click on the link of your preferred card to land on the application page. 

Once you complete the application, you will receive your credit card within 7-10 business days.


Some FAQs on the Best RBC Credit Cards in Canada

What credit score is needed for a RBC credit card?

It depends on the RBC card you’re going with. However, you need a good to excellent (660-760) credit score to access some RBC credit cards. Learn how credit scores are calculated and interpreted here.

What is RBC card limit?

The RBC credit card limit varies from one card to the other. For example, the Visa Platinum card offers a credit limit of up to $50,000. The credit limit of each RBC credit card can be found on individual account statements or details. 

What is RBC purchase interest?

The annual purchase interest rates on RBC cards vary. With the exception of the RBC low-interest credit cards, most of the RBC credit cards charge 19.99% on purchases.

How long does it take to get a credit card RBC?

It usually takes RBC between 7 to 10 business days to deliver new credit cards. 


Verdict 

The above credit cards are not only the best of RBC collections but are also some of the best options in Canada.

While they have varying benefits, the best RBC credit cards distinguished themselves from the competition with comprehensive insurance coverage and exclusive discounts. Hopefully, you now have a better idea of which RBC credit card suits your needs.

Over to you – which RBC credit card(s) are you applying for? I look forward to your response in the comment section.

Simon is a CPA by day and a Personal Finance Blogger by night. With over a decade experience in financial services, he's passionate about personal finance, investing and helping people take control of their financial life.

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