Working hard in the background...
Top 10 RBC Credit Cards in Canada for December 2025
Published Dec 9, 2025 11:36 AM • 8 min read
Fact Checked
Written By
Lead Writer
Edited By
Credit Card ExpertIn this blog post, we’ll highlight the top RBC credit cards across all categories, including the best for no annual fee, low-interest, and travel. Travellers have the widest selection of cards, catering to airlines like WestJet and British Airways. Still, there are a handful of cards that will be appealing to balance carriers and budget-conscious cardholders.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
RBC ION+ Visa: Best Overall
RBC Visa Classic Low Rate Option: Best Balance Transfer
RBC Avion Visa Infinite: Best Avion
RBC Avion Visa Infinite Privilege: Best Premium Avion
More Rewards RBC Visa: Best No Fee
More Rewards RBC Visa Infinite: Best Exclusive No Fee
RBC ION Visa: Best No-Fee Avion
RBC® British Airways Visa Infinite‡: Best British Airways
RBC Avion Visa Platinum: Best Accessible Avion
WestJet RBC World Elite Mastercard: Best WestJet
Top RBC Credit Cards in Canada
Our choice for: Best Overall
APPLY NOW
on RBC's website
Welcome Bonus
Get 14,000 Avion points upon approval^ - that’s $100 of value in gift cards†!
Annual Fee
$48
Interest Rates
20.99% / 22.99%□
The RBC Ion+ Visa delivers exceptional value for its modest $48 annual fee, offering an impressive 3x Avion points on a comprehensive range of everyday spending categories including groceries, dining, gas, streaming, and transit. What makes this card particularly appealing is its standout mobile device insurance coverage up to $1,000 for two years, plus the fee waiver for students with qualifying RBC accounts. While the card earns Avion Premium points, they can be converted 1:1 to the more valuable Avion Elite points when paired with an eligible RBC Avion card, unlocking premium travel redemptions and airline transfers, making this one of the best low-cost rewards cards available in Canada.
Pros
- Save on fuel at Petro-Canada locations, with an overall 7 cents per litre value
- Great welcome bonus offer
- 3x points per $1 spent on high spend categories
Cons
- The ION Avion Rewards (Premium Tier) isn't quite as flexible as the Elite tier of Avion Rewards
- Insurance coverage is very limited
Rewards
- Earn 3X Avion points for every $1 spent on groceries, dining, gas, food delivery, rideshare, streaming services and more2
- Earn 1X Avion point for every $1 spent on all other qualifying purchases2
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,000
Benefits
Details
.svg)
Gas Discount
Save 3¢/L instantly at the pump and get 20% more Petro-Points and 20% more Avion points
Extra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Discount
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription
Eligibility
Credit Score
GoodAnnual Income
N/A
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best Balance Transfer
APPLY NOW
on RBC's website
Welcome Bonus
Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year*
Rewards Rate
N/A
Annual Fee
$20 $0
Interest Rates
12.99% / 12.99%
A low-interest credit card in case you want to carry a balance every month. This card provides no rewards on purchases, however comes with a relatively lower interest rate compared to many other credit cards, so if you're unable to pay your balance in full every month, this card will save you a lot of money in interest payments.
Pros
- Low Annual Fee
- Lower interest rates compared to other credit cards
- Low introductory interest rate welcome bonus
Cons
- No rewards
Rewards
- Get a low, fixed annual interest rate of 12.99% on purchases, cash advances including balance transfers.1 No surprises.
- Your RBC Visa Classic Low Rate Option card includes purchase security and extended warranty insurance coverage4.
- Get special partner offers from brands like Petro Canada, Rexall and DoorDash.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Doubled Up to 1 year
Benefits
Details
Extra points
50 Be Well points for every $1 spent on eligible products at RexallGas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaDiscount
Get a 6-month complimentary DashPass subscription — a value of almost $60. Plus, enjoy unlimited deliveries when $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
Eligibility
Credit Score
GoodAnnual Income
N/A
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best Avion
APPLY NOW
on RBC's website
Welcome Bonus
Enjoy 35,000 Avion points upon approval(1) (travel value of $750†)
Annual Fee
$120
Interest Rates
20.99% / 22.99%□
The RBC Avion Visa Infinite is ideal for frequent travelers who want flexibility and value. It comes with a strong welcome bonus (worth up to ~$700 in travel value), earns 1–1.25 points per dollar on all purchases, and lets you redeem with no blackout dates on any airline or transfer to partners like British Airways Avios for outsized value. Add in comprehensive travel insurance, everyday perks like Petro-Canada and DoorDash savings, and you’ve got a well-rounded card that delivers consistent rewards and protection for a competitive $120 annual fee.
Pros
- High point value when redeemed through the Air Travel Redemption schedule, with up to 2.33 cents per point. Learn more about the RBC Avion Rewards program.
- Comprehensive insurance package (8 types), including travel medical and mobile device insurance.
- Access to Petro-Canada savings (save 3 cents per litre on fuel) and earn 20% bonus Petro-Points.
Cons
- Only earns 1 point per $1 spent on most eligible purchases (travel purchases earn 1.25 points per $1 spent).
- Requires using the Air Travel Redemption chart to get the highest point value; other redemptions yield lower returns.
- High income requirements: $60,000 personal or $100,000 household.
Rewards
- 1.25x points per $1 spent on eligible travel purchases
- 1x point per $1 spent on all other purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a yearMobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
15 daysTravel Medical Insurance (65+)
3 days
Trip Interruption
$5,000
Trip Cancellation
$1,500
Hotel Burglary Insurance
$2,500
Baggage Delay
$500
Lost or Stolen Baggage
$500Flight Delay
$500.svg)
Car Rental Damage & Theft
yes
Benefits
Details
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Car Rental Discount
Get up to 20% off at HertzExtra points
50 Be Well points for every $1 spent on eligible products at Rexall.svg)
Concierge Services
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best Premium Avion
APPLY NOW
on RBC's website
Welcome Bonus
Up to 70,000 Avion points*
Annual Fee
$399
Interest Rates
20.99% / 22.99%□
The RBC Avion Visa Infinite Privilege is an excellent choice for frequent travelers who want premium travel perks and high-value rewards. The welcome bonus, insurance coverage, and airport benefits offer significant value for those who qualify. However, the high annual fee and income requirements may limit its accessibility, and the reward rate outside of the travel chart is less competitive.
Pros
- High-value points when redeemed via the Air Travel Redemption chart, with up to 2.33 cents per point.
- Extensive insurance coverage including emergency medical, trip cancellation, and mobile device insurance.
- Access to airport perks, including fast-track security and lounge access.
- Flexible rewards that can be transferred to airline partners like British Airways and Cathay Pacific.
Cons
- High annual fee of $399.
- Requires a high personal or household income of $200,000 to qualify.
- Only 1.25 points per $1 spent on all purchases, which is lower compared to other premium cards.
- Limited redemption value outside of the Air Travel Redemption chart.
Rewards
- 1.25x Avion points per $1 spent on all eligible purchases
Insurance
Coverage
Purchase Protection
120 daysExtended Warranty
Up to 2 yearsMobile Device Insurance
$1,500Common Carrier Travel Accident Insurance
$500,000Travel Medical Insurance
31 daysTravel Medical Insurance (65+)
7 daysTrip Interruption
$5,000Trip Cancellation
$2,500Hotel Burglary Insurance
$3,000Baggage Delay
$750Lost or Stolen Baggage
$2,500Flight Delay
$1,000Car Rental Damage & Theft
yes
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per yearGas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at RexallConcierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports
Visa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgradesDiscount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription
Eligibility
Credit Score
GoodAnnual Income
$200,000 personal or $200,000 household
** This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.
Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best No Fee
APPLY NOW
on RBC's website
More Rewards is a loyalty program with over 700 participating locations primarily based in Western Canada is best suited for residents in this region. This product is not available to residents of Quebec.
Welcome Bonus
Get 20,000 bonus More Rewards points! [1]
Annual Fee
$0
Interest Rates
20.99% / 22.99%□
The More Rewards RBC Visa is a decent no annual fee entry card that can earn you More Rewards points really fast on all your purchases. Points are best used for travel, groceries or gift cards. If you frequently shop at More Rewards partner stores like Save-On-Foods, Urban Fare, etc. then you can rack up points really quickly and save a lot each year on groceries when you redeem your points.
Pros
- 5 points per $1 on the most common spending categories like gas, dining and groceries at more than 700 More Rewards partner locations.
- No annual fee to pay.
Cons
- Low value of points, being an average of 0.43 cents per point for Travel redemption or a varying range on groceries at More Rewards partner locations.
Rewards
- 5 points per $1 spent on qualifying purchases at over 700 participating More Rewards partner locations, including Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nester Market, Pure Pharmacy and more.
- 5 points per $1 spent on qualifying gas, EV charging and dining purchases
- 3 points per $1 spent on all other qualifying purchases
Insurance
Coverage
Mobile Device Insurance
$1,000Extended Warranty
1 yearPurchase Protection
90 days
Benefits
Details
Gas Discount
Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card
Eligibility
Credit Score
GoodAnnual Income
N/A
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best Exclusive No Fee
APPLY NOW
on RBC's website
More Rewards is a loyalty program with over 700 participating stores primarily based in Western Canada is best suited for residents in this region. This product is not available to residents of Quebec.
Welcome Bonus
Up To 50,000 Bonus More Rewards Points
Annual Fee
$0
Interest Rates
20.99% / 22.99%□
The More Rewards RBC Visa Infinite is a rare no-fee Visa Infinite card with strong earn rates—up to 8 points per $1 on gas, dining, and partner stores. It’s great for high spenders at those places, but the low point value (0.43¢ each) and high income requirements make the rewards less impressive overall.
Pros
- 8 points per $1 on the most common spending categories like gas, dining and groceries at more than 700 More Rewards partner locations.
- No annual fee to pay.
Cons
- Low value of points, being an average of 0.43 cents per point for Travel redemption or a varying range on groceries at More Rewards partner locations.
Rewards
- 8 points for every $1 spent at over 700 participating More Rewards partner locations, including Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nester Market, Pure Pharmacy and more.
- 8 points per $1 spent on qualifying gas, EV charging and dining purchases
- 4 points per $1 spent on all other qualifying purchases
Insurance
Coverage
Mobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Gas Discount
Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with a linked RBC card
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best No-Fee Avion
APPLY NOW
on RBC's website
Welcome Bonus
Get 7,000 Avion points upon approval^ - that’s $50 of value in gift cards†!
Annual Fee
$0
Interest Rates
20.99% / 22.99%□
This is a decent no annual fee card, great for starting out and low-intermediate rewards. It offers great gas savings, especially for petro Canada gas customers, though insurance coverage is quite limited.
Pros
- Good savings on gas if you are a regular petro-Canada gas customer.
- No annual fee.
- Up to 1.5 points per $1 spent on purchases
Cons
- Insurance coverage is the most basic.
- Reward categories are not the best.
Rewards
- Earn 1.5X Avion points for every $1 spent on groceries, gas, rideshare, streaming services and more2
- Earn 1X Avion point for every $1 spent on all other qualifying purchases2
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
Gas Discount
Save 3¢/L instantly at the pump and get 20% more Petro-Points and 20% more Avion pointsExtra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)Extra points
50 Be Well points for every $1 spent on eligible products at RexallDiscount
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription
Eligibility
Credit Score
GoodAnnual Income
N/A
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best British Airways
APPLY NOW
on RBC's website
Welcome Bonus
Get Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite card (with minimum spend, conditions apply)
Annual Fee
$165
Interest Rates
20.50% / 22.99%□
The RBC British Airways Visa Infinite is ideal for frequent international travelers who primarily fly with British Airways or oneworld alliance partners. The welcome bonus, Companion Voucher, and triple Avios earning potential on British Airways purchases make it valuable for high spenders. However, it may not be ideal for those looking for more flexibility in redeeming rewards or those who prioritize domestic travel.
Pros
- Generous welcome bonus: Up to 60,000 Avios can translate up to $1020 in travel value.
- Triple Avios on British Airways flights, making it ideal for frequent travelers.
- 10% discount on British Airways flights.
- Companion Award eVoucher: Great value for frequent British Airways flyers.
- 9 types of insurance included, such as travel accident, flight delay, and rental car insurance.
- 3 cents per litre savings at Petro-Canada with linked cards.
Cons
- High income requirements: Must have either $60,000 personal or $100,000 household income to qualify.
- Limited flexibility: Avios can only be used with British Airways and oneworld alliance airlines, limiting options for domestic or non-alliance travel.
- Companion Voucher requires $30,000 in annual spending, which may not be accessible for all cardholders.
Rewards
- Earn 3 Avios for every $1 CAD spent on British Airways and BA Holidays*
- Earn 2 Avios for every $1 CAD spent on qualifying dining spend*
- Earn 1 Avios for every $1 CAD spent on qualifying net purchases*
- Earn a companion voucher when you spend $30,000 CAD annually. You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.˜
- 10% off British Airways flights when you book and pay with your card∞
Insurance
Coverage
Travel Medical Insurance
31 daysTravel Medical Insurance (65+)
7 daysCommon Carrier Travel Accident Insurance
$500,000Car Rental Damage & Theft
yesFlight Delay
$500Baggage Delay
$500Lost or Stolen Baggage
$500Hotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Companion Voucher
Receive a Companion Award eVoucher when you spend $30,000 or more in any calendar yearDiscount
Enjoy 10% off British Airways flights when you book and pay with your cardGas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at Rexall
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best Accessible Avion
APPLY NOW
on RBC's website
Welcome Bonus
Enjoy 35,000 Avion points upon approval(1) (travel value of $750†)
Annual Fee
$120
Interest Rates
20.99% / 22.99%□
The RBC Visa Platinum Avion is a solid option for those who prefer flexible travel rewards without the high-income requirements of other premium cards. The welcome bonus, extensive insurance, and travel rewards flexibility offer good value for frequent travelers. However, the 1 point per $1 earn rate may be less appealing for those looking for higher rewards on everyday purchases.
Pros
- 10 types of insurance coverage, including trip cancellation, travel accident, and rental car theft.
- Save 3 cents per litre at Petro-Canada and earn bonus Petro-Points.
- No income requirements, making it more accessible than the Infinite version.
Cons
- Only earns 1 point per $1 on most purchases, with 1.25 points per $1 on travel.
- Rewards are less valuable if not redeemed for flights or transferred to airline partners.
Rewards
- Earn 1 Avion point on all eligible purchases2. Plus, Avion points never expire14.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to 1 yearCommon Carrier Travel Accident Insurance
$500,000Trip Interruption
$2,500Trip Cancellation
$1,000Hotel Burglary Insurance
$2,500Baggage Delay
$500Lost or Stolen Baggage
$500Flight Delay
$1,000Car Rental Damage & Theft
yes
Benefits
Details
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at Rexall
Eligibility
Credit Score
GoodAnnual Income
N/A
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best WestJet
APPLY NOW
on RBC's website
Welcome Bonus
Get up to 70,000 WestJet points
Annual Fee
$139
Interest Rates
20.99% / 22.99%□
If you travel frequently with WestJet, you must get this card because you are missing out on many benefits, even if you don't use this card for rewards. The round-trip companion voucher, status lift, and free checked bag benefits alone more than make up for the annual fee. For WestJet purchases, this card is great for earning rewards, but for all other categories, we recommend pairing it with another card.
Pros
- A no-brainer if you are a frequent WestJet traveler. The first free checked bag, annual companion pass, and status lift benefits alone make up more than the amount paid for the annual fee.
- A very good list of travel insurance in addition to WestJet-specific benefits.
Cons
- Not the best card for rewards accumulation, so it's better if paired with another card that offers higher rewards on non-WestJet purchases.
- Rewards are best used on WestJet travel, making them less flexible.
Rewards
- Earn 2 points per $1 spent on WestJet flights, WestJet Vacations, and Sunwing Vacations
- Earn 2 points per $1 spent at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
- Earn 1.5 points per $1 spent on all other everyday purchases
Insurance
Coverage
Travel Medical Insurance
15 daysTravel Medical Insurance (65+)
3 daysCommon Carrier Travel Accident Insurance
$500KCar Rental Damage & Theft
$65K up to 48 daysTrip Interruption
$5K/person, $25K/tripFlight Delay
$250/person, $500/occurrenceBaggage Delay
$500/person, $2500/occurrencePurchase Protection
90 daysExtended Warranty
1 yearMobile Device Insurance
$1,500Trip Cancellation
$1,500 per person per trip
Benefits
Details
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included! Companion Voucher can be exchanged for 2 visits.Companion Voucher
Spend $5,000 annually and get a companion voucher starting at $119 CAD (plus fees), or exchange it for a 30% flight discount, $200 vacation package credit, or two lounge passes..svg)
Status lift
Eern $500 in tier qualifying spend which applies towards achieving the next WestJet Rewards tier for every $15,000 CAD in Eligible Purchases on your WestJet RBC World Elite Mastercard (up to a maximum of $1,500 in tier qualifying spend in a qualifying year).svg)
Free first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guests when you pay with your WestJet RBC World Elite MastercardDiscount
Member Exclusive fares: Exclusive discounts when you pay the full base fare with WestJet dollars
Boingo Wi-Fi hotspot
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at Rexall
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
*1) To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between November 5, 2025 and February 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase
transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”). You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. Check here for full details and current product information.
Best Overall: RBC ION+ Visa Card
We’re starting off our list with the best overall RBC credit card, the RBC ION+ Visa Card. For a low annual fee, this card offers decent rewards on everyday purchases like groceries, gas, dining, food delivery, ride share, streaming, and more. To help get you started, this card’s sign-up offer gets you extra Avion Premium points upon approval. You’ll also receive standard purchase protection and extended warranty coverage, with the inclusion of valuable mobile device insurance. As far as benefits go, the RBC ION+ Visa Card earns you gas discounts and Petro-Points at Petro-Canada, plus extra Be Well points per every dollar spent on eligible Rexall purchases. Overall, the RBC ION+ Visa Card is the most well-balanced, accessible, and budget-friendly RBC credit card. Read more in our RBC ION+ Visa Card Review.
Best Balance Transfer: RBC Visa Classic Low Rate Option
For an extremely low balance transfer interest rate for the first several months of membership, consider the RBC Visa Classic Low Rate Option, featured in our Best Balance Transfer Credit Cards in Canada post. This card also conveniently waives its annual fee for the first year of membership. While the coverage is basic, benefits include extra Be Well points at Rexall, Petro-Canada discounts and bonus points, plus a limited-time complimentary DashPass subscription and discount. Learn more in our RBC Visa Classic Low Rate Option Review.
Best Avion: RBC Avion Visa Infinite Card
Looking to collect Avion points? If so, apply for the RBC Avion Visa Infinite Card. This contender earns you decent Avion Elite Rewards points per dollar spent on eligible travel purchases, comprehensive travel coverage (including trip interruption and trip cancellation insurance), plus perks like concierge services and discounts on gas, rental cards, and DoorDash subscriptions. Discover more in our RBC Avion Visa Infinite Card Review.
Best Premium Avion: RBC Avion Visa Infinite Privilege Card
Want to level up your Avion credit card? Consider the RBC Avion Visa Infinite Privilege Card instead, one of the best travel credit cards in Canada. In terms of rewards, this card earns you a flat rate of Avion Elite Rewards points per dollar spent on all eligible purchases. On top of comprehensive coverage, cardholders can also expect luxurious perks like airport lounge Dragon Pass access and priority travel advantages. To account for such premium inclusions, note that this contender comes with a hefty annual fee and high annual income requirements. Get the full details in our RBC Avion Visa Infinite Privilege Card Review.
Best No-Fee: More Rewards RBC Visa Card
Want more for less? Opt for the More Rewards RBC Visa Card. This card avoids both annual fees and income requirements whilst boasting impressive More Rewards point potential on partner purchases, gas, EV charging, and dining. The coverage is pretty standard, but includes valuable mobile device insurance. For benefits, expect extra Petro-Points and discounts on fuel at Petro-Canada. See more in our More Rewards RBC Visa Card Review.
Best Exclusive No-Fee: More Rewards Visa Infinite Card
The next tier in the More Rewards category is the More Rewards RBC Visa Infinite Card, which also avoids annual fees. This contender collects even more More Rewards points at partner retailers, plus more on qualifying gas, EV charging, and dining. While the coverage and benefits are the same as the simple Visa version, note that the higher reward rates warrant annual income requirements. Find our more in our More Rewards Visa Infinite Card Review.
Best No-Fee Avion: RBC ION Visa Card
Another no-fee option is the RBC ION Visa Card. Instead of More Rewards points, this card collects Avion points on groceries, gas, ride share, streaming, and more. While the insurance is basic, the card includes extra points and discounts at Petro-Canada, extra Moi points at Moi Rewards stores, bonus Be Well points at Rexall, and a DoorDash discount. Uncover more in our RBC ION Visa Card Review.
Best British Airways: RBC British Airways Visa Infinite Card
Are you a frequent British Airways flyer? In that case, go for the RBC British Airways Visa Infinite Card. This card will earn you solid Avios points per dollar spent on British Airways and BA holidays, plus Avios points per dollar spent on dining. While this travel contender has a decent handful of coverage, the real pull are the perks like its annual companion voucher and discounts on gas and flights. Learn more in our RBC British Airways Visa Infinite Card Review.
Best Accessible Avion: RBC Avion Visa Platinum Card
The RBC Avion Visa Platinum Card is both beneficial and accessible. In addition to comprehensive coverage, the card offers extra points and discounts at Petro-Canada, plus bonus Be Well points at Rexall. Not to mention, a simple flat rate of Avion Elite points on all eligible purchases; all for no annual income requirements and a reasonable annual fee. Read more in our RBC Avion Visa Platinum Card Review.
Best WestJet: WestJet RBC World Elite Mastercard
While this card isn't exactly high-ranking compared to the competitors above, it's unique in that its one of the only co-branded WestJet credit cards in Canada. Frequent WestJet flyers will enjoy decent points per dollar spent on WestJet flights, WestJet Vacations, and Sunwing Vacations, plus points on groceries, transportation, gas, EV charging, and transit. In addition to commendable coverage, this card provides premium perks like Dragon Pass airport lounge access, an annual companion voucher, and free first checked bags. In fact, this card is one of the best free checked bag credit cards in Canada. To qualify for this card, note that you'll need to meet some high annual income requirements. Check out our WestJet RBC World Elite Mastercard Review for the full breakdown.
The Different Types of RBC Credit Cards
RBC has an extensive catalogue of credit cards. The various types of cards include:
- Travel credit cards (Avion, British-Airways, WestJet)
- Cashback credit cards (although not as high-ranking as the cashback contenders from competing institutions)
- No-Fee credit cards
- Low-interest credit cards
- Business credit cards
The best credit card types offered by RBC are typically those within the travel, low-interest, and no-fee categories.
Selecting the Right RBC Credit Card
To find the right RBC credit card for you, you'll need to consider your spending habits and current financial status.
If you want to optimize everyday spending and redeem earned points towards travel, consider the RBC ION+ Visa Card.
If you happen to carry a balance, consider the RBC Visa Classic Low Rate Option to catch up on payments.
If you're loyal to an airline like British Airways, consider the RBC British Airways Visa Infinite Card for airline-specific rewards and perks.
How to Apply for an RBC credit card
There are a few general steps to follow when applying for an RBC credit card:
- First, you’ll want to make sure you're the age of majority in your province or territory, a resident of Canada, that you have a good credit score, and that you meet the income requirements of the card you want to apply for.
- Next, navigate your way to the official RBC website, as soon as you’re there, select “Credit Cards” from the drop-down menu.
- On this page, you’ll see a list of all the available RBC credit cards complete with categories to filter specific financial habits and needs.
- Once you find an RBC credit card that suits you, hit the card’s “Apply Now” button.
- Typically, the application process will require you to review the card’s information and terms and conditions, plus provide personal and financial information.
- After you’ve completed and reviewed your application, press submit.
To speed up the application process, if you happen to see an RBC credit card in this post that fits your needs, you can always select the “Apply Now” button below that card.
Frequently Asked Questions
The redemption process will depend on the reward type (Avion, More, Avios, WestJet). For an in-depth look at all applicable reward programs, plus how they work, check out our Credit Card Points Value Calculator.
From this list, both the RBC Avion Visa Infinite Privilege Card and the WestJet RBC World Elite Mastercard provide airport lounge access.
With lower annual income requirements, the RBC Avion Visa Platinum card is much more accessible than the RBC Avion Visa Infinite card.
What's on this Page
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
SEE FULL BIOAbout the editor
Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
SEE FULL BIO