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MoneySense is an award-winning journal, serving to Canadians navigate cash issues since 1999. Our editorial crew of skilled journalists works intently with main private finance specialists in Canada. That will help you discover the perfect monetary merchandise, we examine the choices from over 12 main establishments, together with banks, credit score unions and card issuers. Be taught extra about our promoting and trusted companions.
One of the best RBC bank cards in Canada by class
Royal Financial institution of Canada gives an array of bank cards catering to numerous preferences and spending habits. Whether or not you prioritize journey rewards with Avion factors, search the flexibleness of money again, or desire distinctive advantages like WestJet {dollars}, RBC has a card for you. With bank cards spanning the Visa and Mastercard networks, cardholders can tailor their procuring expertise to go well with their preferences. Let’s discover the standout options of the perfect RBC bank cards in Canada.
| Greatest bank card by class | Why we find it irresistible |
|---|---|
| Greatest RBC journey bank card RBC Avion Visa Infinite Annual charge: $120 |
A minimum of 1 Avion level per $1 spent on all of your purchases, and good redemption flexibility |
| Greatest RBC airline journey bank card WestJet RBC World Elite Mastercard Annual charge: $119 |
1.5% earn fee paired with an annual round-trip companion voucher on WestJet |
| Greatest RBC no-fee journey rewards bank card RBC ION Visa Annual charge: $0 |
1.5 Avion factors per $1 spent throughout six spending classes, together with streaming, subscriptions and digital gaming |
| Greatest RBC money again bank card RBC Money Again Most popular World Elite Mastercard Annual charge: $99 |
1.5% money again in your first $25,000 in purchases yearly |
| Greatest RBC no-fee money again bank card RBC Money Again Mastercard Annual charge: $99 |
As much as 2% money again on groceries and as much as 1% on all different purchases, with no annual charge |
| Greatest RBC low-interest bank card RBC Visa Basic Low Charge Choice Annual charge: $20 |
12.99% rate of interest on each purchases and money advances |
Greatest RBC journey bank card
At a look: The RBC Avion Visa Infinite is a premium journey bank card that has a versatile rewards program and unique advantages. Cardholders earn 1 Avion level per $1 spent, and a boosted 1.25 factors on eligible journey bills (like flights, cruises and automotive leases).
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RBC Avion Visa Infinite
- Annual charge: $120
- Earn fee: 1.25 Avion factors per $1 spent on journey (together with flights, motels, taxis and public transit) and 1 level per $1 on all different purchases.
- Welcome bonus: earn 35,000 Avion factors upon approval (journey worth of as much as $750) – Sufficient to fly anyplace in Canada & the U.S (Alaska and Hawaii require extra factors). Apply on-line and get a response in as little as 60 seconds.
- Annual earnings requirement: Private earnings of $60,000 or family earnings of $100,000
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- RBC Avion factors may be value as a lot as $0.023 every when redeemed for journey, which is a excessive worth amongst journey rewards playing cards.
- Avion has numerous journey redemption flexibility. You may redeem your factors for journey utilizing RBC’s Air Journey Redemption chart, switch factors to pick out airways (together with WestJet), and redeem for journey purchases by means of RBC.
- There are not any blackout intervals or seat restrictions, even during times of excessive demand.
- Unique entry to live performance tickets, together with Taylor Swift.
- Spectacular journey insurance coverage protection, together with journey cancellation and interruption and emergency medical. It even options cellular system insurance coverage of as much as $1,500.
Cons
- You’ll pay a international transaction charge of two.5% on all purchases not in Canadian {dollars}.
- The best earn fee is 1.25%, which isn’t very excessive for a premium card; different premium playing cards characteristic considerably increased earn charges.
- The private annual earnings requirement of $60,000 (or family earnings of $100,000) could also be too excessive for some candidates.
Greatest RBC airline journey bank card
At a look: With perks like a yearly round-trip companion voucher, free checked baggage and Boingo Wi-Fi entry, the WestJet RBC World Elite Mastercard makes a beautiful journey buddy. The truth is, it’s the greatest bank card in Canada for frequent WestJet flyers—full cease. Cardholders earn 2% again in WestJet {dollars} on purchases of WestJet flights and trip packages and get 1.5% again on all different spending. One WestJet greenback has a price of 1 Canadian greenback.
WestJet RBC World Elite Mastercard
- Annual charge: $119
- Earn fee: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
- Welcome supply: earn as much as $450 in WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus, get a Spherical-Journey Companion Voucher Each 12 months – for any WestJet vacation spot ranging from $119 CAD (plus taxes, charges, costs and different ATC).
- Annual earnings necessities: Private earnings of $80,000 or family earnings of $150,000
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- Journey perks embrace complimentary first checked baggage for the first cardholder and as much as eight companions.
- Get an annual round-trip companion voucher for any WestJet vacation spot, beginning at $119 (plus taxes, charges and different costs) or decide to trade it for 4 lounge vouchers.
- Intensive journey insurance coverage, together with emergency medical, journey interruption and flight delay protection.
- Cardholders can save as much as $0.03 on gasoline at Petro-Canada and can even earn Rexall’s Be Properly factors.
- The cardboard grants entry to over 1 million Boingo Wi-Fi hotspots worldwide.
Cons
- WestJet {dollars} can’t be used to pay for taxes and costs.
- In contrast to with Aeroplan, for instance, rewards usually are not versatile as they’ll solely be used for WestJet flights and WestJet holidays.
- A minimal private earnings of $80,000 (or $150,000 family earnings) is required to use.
Greatest RBC no-fee journey rewards bank card
At a look: The RBC ION Visa is a no-annual-fee rewards bank card that provides you 1.5 Avion factors per $1 spent on groceries, rides, gasoline (and EV charging), streaming, subscriptions and digital gaming. Get 1 level per $1 spent on all different purchases.
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RBC ION Visa
- Annual charge: $0
- Earn fee: 1.5 Avion factors per $1 spent on groceries, rideshares, every day transit, gasoline, EV charging, streaming, digital gaming and subscriptions; and 1 level per $1 on all different purchases
- Welcome bonus: earn 6,000 Avion factors upon approval – that’s $40 of worth in reward playing cards! Apply by November 4, 2024.
- Annual earnings requirement: None
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- Some redemption flexibility. You may redeem your factors for journey, assertion credit, merchandise, reward playing cards and extra.
- Take pleasure in gasoline financial savings at Petro-Canada, a three-month free DashPass subscription, and Be Properly factors with purchases at Rexall pharmacies.
- Good for players: The RBC ION Visa is likely one of the solely playing cards in Canada that permits you to earn rewards on gaming subscriptions, digital downloads and in-game purchases.
- The cardboard options buy safety and prolonged guarantee insurance coverage.
Cons
- The RBC Avion rewards program contains three totally different membership tiers: Avion Choose, Avion Premium and Avion Elite. The RBC ION Visa is a part of the Avion Premium tier, that means you may’t redeem your factors by means of RBC’s Air Journey Redemption Schedule—which gives the best worth in your factors. That characteristic is a part of Avion Elite, which requires having an RBC Avion card.
- The cardboard has restricted insurance coverage protection.
Greatest RBC money again bank card
At a look: With the RBC Money Again Most popular World Elite Mastercard, you’ll earn money again on all of your purchases. You’ll get 1.5% on the primary $25,000 charged to the cardboard yearly and 1% thereafter. Take pleasure in further advantages like prompt gasoline financial savings at Petro-Canada, Be Properly factors at Rexall and $0 supply charges for 12 months from DoorDash.
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RBC Money Again Most popular World Elite Mastercard
- Annual charge: $99
- Earn fee: 1.5% again on all of your purchases
- Welcome bonus: earn limitless money again, no restrict to what you may get again
- Annual earnings requirement: Private earnings of $80,000 or family earnings of $150,000
Execs
- The annual charge of $99 is decrease than many different premium playing cards.
- In case you hyperlink your RBC card to your Petro-Factors account, you’ll save $0.03 cents per litre on gasoline at Petro-Canada and in addition get a 20% bonus of Petro-Factors.
- You may earn 50 factors per $1 spent at Rexall whenever you hyperlink your RBC card and your Rexall Be Properly card.
- Card comes with a 12-month free DashPass subscription.
Cons
- Weak insurance coverage providing in comparison with different premium playing cards. It solely contains rental theft and automotive injury, buy safety and prolonged guarantee.
- The boosted fee of 1.5% is capped at your first $25,000 spent yearly.
Greatest RBC no-fee money again bank card
At a look: Like among the greatest money again bank cards in Canada, the RBC Money Again Mastercard gives money again with no annual charge. Earn as much as 2% on groceries and as much as 1% on all different purchases. Profit from prompt gasoline financial savings at Petro-Canada, enhanced Be Properly factors at Rexall and $0 supply charges for 3 months from DoorDash.
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RBC Money Again Mastercard
- Annual charge: $0
- Earn fee: 2% money again on groceries and 1% again on all different purchases
- Welcome bonus:
- Annual earnings requirement: None
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- The cardboard comes with buy safety and prolonged guarantee safety.
- Save $0.03 per litre on gasoline at collaborating Petro-Canada stations and earn 20% extra Petro-Factors.
- Get 50 Be Properly factors per $1 spent at Rexall.
- Take pleasure in a complimentary DashPass subscription for the primary three months.
Cons
- The bizarre rewards construction requires cardholders to learn the nice print rigorously to know the spending limits at which their rewards will enhance or lower. You’ll get 2% money again on groceries for the primary $6,000 spent, which then drops to 1% per further greenback spent within the class. For all different purchases, you’ll get 0.5% money again on the primary $6,000 spent—and 1% thereafter.
- Very restricted insurance coverage providing, with solely buy safety and prolonged guarantee.
Greatest RBC low-interest bank card
At a look: For people making an attempt to sort out bank card debt, the RBC Visa Basic Low Charge Choice is a worthwhile card. It gives a constant 12.99% rate of interest for purchases and money advances—that may’t be stated of all low-interest bank cards in Canada. Whereas it could lack intensive perks, it does present benefits like reductions at Petro-Canada and complimentary supply companies by means of DoorDash.
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RBC Visa Basic Low Charge Choice
- Annual charge: $20
- Welcome supply: None
- Annual earnings requirement: None
Execs
- With its reasonably priced $20 annual charge and no minimal earnings requirement, this card is inside attain for almost all of Canadians.
- Extra playing cards can be found for free of charge.
- Take pleasure in RBC Provides, which supplies cardholders entry to offers and financial savings.
- Earn extra Petro-Factors and get a reduction on gasoline at Petro-Canada.
- The cardboard comes with a three-month complimentary subscription to DashPass.
Cons
- This card doesn’t include any journey insurance coverage.
- Whereas the low rate of interest is a boon to these with bank card debt, it doesn’t characteristic a stability switch promotion, so you may’t transfer debt from a higher-interest card.
Extra of Canada’s greatest bank cards:
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