The perfect RBC bank cards in Canada for 2024

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The perfect RBC bank cards in Canada by class

By Sandra MacGregor on February 1, 2024
Estimated studying time: 7 minutes

Royal Financial institution of Canada affords an array of bank cards catering to numerous preferences and spending habits. Whether or not you prioritize journey rewards with Avion factors, search the pliability of money again, or favor distinctive advantages like WestJet {dollars}, RBC has a card for you. With bank cards spanning the Visa and Mastercard networks, cardholders can tailor their purchasing expertise to swimsuit their preferences. Let’s discover the standout options of the most effective 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 payment: $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 payment: $119	1.5% earn price paired with an annual round-trip companion voucher on WestJet
Greatest RBC no-fee journey rewards bank card RBC ION Visa Annual payment: $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 well-liked World Elite Mastercard Annual payment: $99	1.5% money again in your first $25,00Zero in purchases yearly
Greatest RBC no-fee money again bank card RBC Money Again Mastercard Annual payment: $99	As much as 2% money again on groceries and as much as 1% on all different purchases, with no annual payment
Greatest RBC low-interest bank card RBC Visa Basic Low Charge Possibility Annual payment: $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

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• Annual payment: $120
• Earn price: 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: You may earn 35,00Zero Welcome Factors on approval and 20,00Zero bonus factors whenever you spend $5,00Zero in your first 6 months*. Apply by April 30, 2024. Apply on-line and get a response in as little as 60 seconds.

• Annual earnings requirement: Private earnings of $60,00Zero or family earnings of $100,000

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Professionals

• 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 plenty of journey redemption flexibility. You may redeem your factors for journey utilizing RBC’s Air Journey Redemption chart, switch factors to pick airways (together with WestJet), and redeem for journey purchases by way 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 gadget insurance coverage of as much as $1,500.

Cons

• You’ll pay a international transaction payment of two.5% on all purchases not in Canadian {dollars}. 
• The best earn price is 1.25%, which isn’t very excessive for a premium card; different premium playing cards characteristic considerably larger earn charges.
• The non-public 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 sexy journey buddy. In truth, it’s the most effective 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.

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WestJet RBC World Elite Mastercard

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• Annual payment: $119
• Earn price: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
• Welcome provide: You may earn as much as 600 WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus a Spherical-Journey Companion Voucher Each Yr.
• Annual earnings necessities: Private earnings of $80,00Zero or family earnings of $150,000

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Professionals

• 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 prices) or choose to alternate 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 gas at Petro-Canada and also can 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 charges.
• Not like with Aeroplan, for instance, rewards will not be versatile as they will solely be used for WestJet flights and WestJet holidays. 
• A minimal private earnings of $80,000 (or $150,00Zero 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, fuel (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

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• Annual payment: $0
• Earn price: 1.5 Avion factors per $1 spent on groceries, rideshares, every day transit, fuel, EV charging, streaming, digital gaming and subscriptions; and 1 level per $1 on all different purchases
• Welcome bonus: You may earn 3,500 Avion factors upon approval

• Annual earnings requirement: None

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Professionals 

• Some redemption flexibility. You may redeem your factors for journey, assertion credit, merchandise, present playing cards and extra. 
• Take pleasure in gas financial savings at Petro-Canada, a three-month free DashPass subscription, and Be Properly factors with purchases at Rexall pharmacies.
• Good for avid gamers: The RBC ION Visa is without doubt one of the solely playing cards in Canada that allows 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, which means you possibly can’t redeem your factors by way of RBC’s Air Journey Redemption Schedule—which affords the very best worth on 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 well-liked World Elite Mastercard, you’ll earn money again on all of your purchases. You’ll get 1.5% on the primary $25,00Zero charged to the cardboard yearly and 1% thereafter. Take pleasure in further advantages like prompt gas financial savings at Petro-Canada, Be Properly factors at Rexall and $Zero supply charges for 12 months from DoorDash.

RBC Money Again Most well-liked World Elite Mastercard

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• Annual payment: $99
• Earn price: 1.5% again on all of your purchases
• Welcome bonus: You may earn limitless money again, no restrict to what you will get again

• Annual earnings requirement: Private earnings of $80,00Zero or family earnings of $150,000

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Professionals

• The annual payment 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 fuel 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 price of 1.5% is capped at your first $25,00Zero spent yearly.

Greatest RBC no-fee money again bank card

At a look: Like a few of the finest money again bank cards in Canada, the RBC Money Again Mastercard affords money again with no annual payment. Earn as much as 2% on groceries and as much as 1% on all different purchases. Profit from prompt gas financial savings at Petro-Canada, enhanced Be Properly factors at Rexall and $Zero supply charges for 3 months from DoorDash.

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RBC Money Again Mastercard

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• Annual payment: $0
• Earn price: 2% money again on groceries and 1% again on all different purchases
• Welcome bonus: You may

• Annual earnings requirement: None

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Professionals 

• The cardboard comes with buy safety and prolonged guarantee safety.
• Save $0.03 per litre on gas at taking part 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 weird rewards construction requires cardholders to learn the high-quality print rigorously to grasp the spending limits at which their rewards will enhance or lower. You’ll get 2% money again on groceries for the primary $6,00Zero 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 $6,00Zero 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 deal with bank card debt, the RBC Visa Basic Low Charge Possibility is a worthwhile card. It affords a constant 12.99% rate of interest for purchases and money advances—that may’t be mentioned of all low-interest bank cards in Canada. Whereas it might lack in depth perks, it does present benefits like reductions at Petro-Canada and complimentary supply companies by way of DoorDash.

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RBC Visa Basic Low Charge Possibility

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• Annual payment: $20
• Welcome provide: None
• Annual earnings requirement: None

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Professionals 

• With its inexpensive $20 annual payment 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 gas 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 steadiness switch promotion, so you possibly can’t transfer debt from a higher-interest card.

Extra of Canada’s finest bank cards: