Each different RBC credit card offers different rewards and interest rates. There are also different eligibility criteria for each card. Each card is meant for a different lifestyle, so this can help you narrow down which credit card is a better option for you.
RBC Credit Cards
As we mentioned, RBC has a variety of different credit cards to choose from. Each of these credit cards has their own unique features. Let’s take a look.
RBC Visa Classic Low Rate Option
This is a popular credit card with RBC clients because it has a much lower interest rate than other credit cards. Both the purchase interest rate and cash advance rate are just 12.99%. The annual fee is only $20, and there’s no cost for any additional cards.
If you were to get this card, another added benefit would be the purchase of security and extended warranty insurance coverage. You also get deals with the Avion Rewards program, which can give you special brand offers such as DoorDash, Rexall, and even Petro Canada. Due to the fact it is a low-rate card, though, it’s ideal for large purchases and consolidating your debt (balance transfers).
RBC Visa Platinum
Another great credit card option from RBC is the RBC Visa Platinum. This card has no annual fee and costs nothing for additional cards. However, this is not a low-rate credit card. The purchase interest rate is 20.99%, and the rate on cash advances is 22.99%.
With this card, you just don’t get special offers from DoorDash, Rexall, and Petro Canada. You can also get special offers from over 2,000 top brands. When it comes to insurance included with this card, you get:
- Travel accident insurance
- Car Rental Insurance/Loss Damage Waiver Insurance
- Purchase Security Insurance
- Extended Warranty Coverage
You can also purchase optional insurance to help protect your identity, your credit card balance and even your family.
RBC Rate Advantage Visa
The RBC Rate Advantage Visa is another low-rate credit card that RBC offers. The rate for this card is Prime + 4,99%-8.99%. The cash advance rate is the same, and there’s no annual fee or cost for any additional cards. You also get Purchase Security and Extended Warranty Insurance.
In order to save with this card, you can use RBC offers. This gives you personalized offers when you shop, which allows you to save money or earn rewards even faster. Here are some of the other amazing rewards that you can earn:
- 50 Be Well points for every $1 spent on eligible items at Rexall
- A 3-month complimentary DoorDash subscription
- Unlimited $0 deliveries for DoorDashes over $15
- 20% more points and $0.03 off per litre at Petro Canada
As for additional optional insurance, you can purchase the following:
- Balance Protector Insurance
- Identity Theft and Card Protection
- RBC Road Assist
- Travel Insurance
WestJet RBC Mastercard
For those who travel with WestJet, a good credit card option could be the WestJet RBC Mastercard. This card has a low annual fee of $39 and a cost of $19 for each additional card. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%.
When you first get this card, you can earn up to 100 WestJet dollars in the first three months. There’s also an annual round-trip companion voucher that starts at just $199. However, you can also earn more rewards with your everyday purchases. These rewards include:
- 50 welcome WestJet dollars with your first purchase
- 1% back in WestJet dollars for every qualifying purchase
- 1,5% back in WestJet dollars on WestJet purchases like flights and vacation packages
You also have the option to purchase all of the optional insurances, and you earn the same rewards as the other cards with Petro, Rexall and DoorDash. You can also redeem points on your travel to reduce your costs.
WestJet RBC World Elite Mastercard
The WestJet RBC World Elite Mastercard is similar to the WestJet REBC Mastercard, but it offers a few more things. The annual fee is $199, and each additional card costs $39. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%. Here are the WestJet Rewards and perks that you can earn:
- Up to 450 WestJet dollars with a minimum spend of $5,000 in the first 3 months
- A round-trip companion voucher every year from $119 or 4 lounge vouchers
- WestJet rewards status lift
- No black periods or expiry of WestJet dollars
- 1.5% back in WestJet dollars on everyday purchases
- 2% back in WestJet dollars on WestJet purchases
- The first checked bag is free for you and up to eight companions on the same reservation
You can purchase any of RBC’s additional insurances and earn the same Petro, DoorDash, and Rexall perks.
RBC Avion Visa Infinite
Another option for a travel credit card is the RBC Avion Visa Infinite. This card is great not only for earning travel rewards but also for purchasing flights on multiple different airlines due to its many visa-infinite benefits. The annual fee for this card is $120, and each additional card is $50. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%. In order to qualify for this card, though, you must have a minimum personal income of $60,000 or a household income of at least $100,000.
Currently, there’s also an exclusive offer available when you’re approved for this credit card. You can get 35,000 welcome points just for being approved and up to 20,000 bonus points when you spend $5,000 in 6 months. You can also earn 1,25 Avion rewards points on travel purchases and 1 Avion point on eligible purchases. The great thing is that these points never expire.
With this card, you can book with over 130 different airlines and get any flight at any time. You get no blackout periods and can even book these during peak season. Another great added feature is that you can transfer points into different travel rewards like Hudson’s Bay Rewards Points This flexible program allows you to earn Westjet dollars and points for other loyalty programs without having to get a new special card.
Since this is a more difficult credit card to obtain, more insurance is included. These are:
- Out of Province and Country Emergency Medical Insurance
- Travel Accident Insurance
- Auto Rental Collision Insurance
- Loss Damage Waiver Insurance
- Trip Cancellation and Trip Interruption Insurance
- Delayed Baggage and Flight Delay Insurance
- Hotel/Motel Burglary Insurance
- Purchase Security Insurance
- Extended Warranty Insurance
- Mobile Device Insurance up to $1,500
You can also choose to purchase the optional insurance that is available.
RBC Avion Visa Platinum
Unlike some of the other travel credit cards, there is no annual income minimum requirement. The annual fee is $120, it’s $50 for each additional card, and the purchase interest rate is 20.99%. The cash advance rate is 22.99%. If you apply for this card now, you can get 35,000 welcome points just for opening your card and another 20,000 when you spend $5,000 in your first 6 months.
With this Avion card, you can book flights on over 130 airlines for any flight at any time with no seat restrictions. There are no blackout dates or restrictions. You get the same exclusive partner deals that you do with other RBC cards, as well as 20% off Hertz car rentals, and you can earn points with your purchases. You earn 1 Avion point on all eligible purchases. You can even get 1 free lift pass when you purchase one at participating resorts.
The insurances included with this card are:
- Travel Accident Insurance
- Auto Rental Collision Insurance
- Loss Damage Waiver Insurance
- Trip Cancellation Insurance
- Trip Interruption Insurance
- Delayed Baggage and Flight Delay Insurance
- Hotel and Motel Burglary Insurance
- Purchase Security and Extended Warranty Insurance
You can also choose to opt in for the additional insurance options.
RBC Cashback Preferred World Elite Mastercard
The annual fee for this card is $99, and there’s no cost for any additional cards. With this card, if you apply by August 26, 2025, you could get 12% cash back for the first 3 months with up to $2,000 in total purchases. You can get unlimited cashback of up to 1.5% on all purchases after that.
The perks included with this card are Mastercard Airport Experiences by Dragonpass and some awesome savings. You can save $0.03 per litre and earn 20% more points with Petro Canada and get 50 Be Well points for every $1 spent on eligible Rexall purchases. You can also get a 12 month complimentary DoorDash subscription. You can also get unlimited $0 DoorDash deliveries on amounts over $15.
When it comes to credit card insurance, you have the option of adding these:
- Add-on Travel Insurance
- RBC Road Assist
- BalanceProtector Max Insurance
- Identity Theft and Credit Protection
RBC Business Credit Cards
If you’re in the market for a business credit card, RBC also has some great options. Here’s how they work.
RBC Visa CreditLine for Small Business
The RBC Visa CreditLine is essentially a line of credit in the form of a credit card. Just like with a traditional RBC credit card, you can collect RBC Avion points. There’s no annual fee, no cost for additional cards, and the interest rate is Prime + 2.9% to 11.9%. You can also save on fuel with Petro Canada and get a complimentary 3-month DoorDash Subscription.
The insurances included with this car are:
- Purchase Security
- Extended Warranty
- Fraud Prevention and Enhanced Security
RBC Visa Business
This dedicated business credit card allows you to track your business expenses while earning Avion points. There’s an annual fee of $12, and each additional card costs $12. The purchase interest rate is 19.99%, and the cash advance rate is 22.99%.
If you choose to go with this business credit card option, you can save $0.03 per litre and earn 20% points from Petro Canada. You can also get a complimentary 3-month DashPass subscription. The insurance you have access to include purchase security, extended warranty, fraud prevention, and enhanced security.
RBC Avion Visa Infinite Business
This particular business credit card is great for those who travel a lot. You can get 35,000 just for signing up. The annual fee for this card is $175, and each additional card is $75. The purchase interest rate is 19.99%, and the cash advance rate is 22.99%. You can also earn 1.25 Avion points for each dollar you spend on net purchases up to $75,000 annually.
The insurance options included with this card are:
- Mobile Device Insurance
- Out of Province and Country Emergency Medical Insurance
- Lost or Stolen Baggage Insurance
- Travel Accident Insurance
- Delayed Baggage Insurance
- Auto Rental Collision and Loss Damage Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight Delay Insurance
- Hotel and Motel Burglary Insurance
- Purchase Security Insurance
- Extended Warranty Coverage
As added perks, you can save on fuel with Petro, 30% with Hertz and get a complimentary year DashPass subscription.
RBC Avion Visa Business
One of the great things about the RBC Avion card is that it allows you to earn rewards while paying for your business expenses. The annual fee is $120, each additional card is $50, the purchase rate is 19.99%, and the cash advance rate is 22.99%.
With this card, you can earn 1 Avion point for each net purchase of $1; however, when you sign up, you can get 35,000 bonus welcome points. You can even get exclusive access to the Avion Collection, which gives you access to exclusive events and entertainment. The insurances that are included with the card are:
- Extensive Insurance Coverage
- Liability Waiver Insurance
- Purchase Security Insurance
- Extended Warranty Coverage
- Fraud Prevention and Enhanced Security
RBC Business Cash Back Mastercard
This credit card is great for business owners looking for the benefits of a business credit card with no annual fees. The purchase interest rate on the card is 19.99%, and the cash advance rate is 22.99%.
You can earn 2% cash back on purchases you make in the first 3 months of having this card and 1% on purchases made after. Once your cashback has reached $25, you can choose to have it deposited into your bank account. Otherwise, it will automatically be deposited every January.
Some other benefits you can get with this card include saving $0.03 per litre on fuel and earning 20% more Petro points. You can also get a 3-month complimentary DashPass subscription. You also get the added benefits of purchase security insurance, extended warranty coverage, fraud prevention and enhanced security.
Best RBC Travel Credit Card
RBC offers many different travel credit cards. While some may work better for your situation than others, the consensus is that the best option is the RBC Avion Visa Infinite card. Not only can you book with many different airlines with priority, but you can also convert the rewards into most travel rewards programs that you want to use. This is a much more flexible way of earning and redeeming travel rewards points.
Best RBC Credit Card for Students
While RBC offers many different credit cards for students, it can be difficult to determine which one is the best option. This is because each card offers different benefits and rewards, which may or may not work with your preferences. For many, the RBC Cashback Mastercard is a great choice. Others prefer the RBC Ion cards, which we haven’t discussed yet.
RBC Ion Visa
The reason this card is a popular choice for students is because it allows you to earn points on everyday essentials. You can also get 7,000 bonus points upon approval. There’s no annual fee and no fee for additional cards. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%.
As for points, you can earn 1.5x the points for any purchases on groceries, gas, rideshare and streaming services. You earn 1x the points on all other qualifying purchases. As added benefits, you can save $0.03 per litre on fuel and 20% more petro points. You can earn Be Well points on Rexall purchases and get a 3-month complimentary DashPass subscription. The insurance options included with this card are purchase security and extended warranty coverage.
RBC Ion + Visa
The RBC Ion+ Visa is similar to the Ion Visa, except you can earn more points. There’s also an annual fee of $48 that’s charged at a monthly rate of $4. Students do get a rebate on this annual fee, though and you get the added addition of mobile device insurance.
For gas, dining, groceries, food delivery, ride shares, digital gaming in-game purchases, and streaming services, you can earn 3x the Avion points. All other purchases you earn 1x the points.
Best RBC Credit Cards for Seniors
Which credit card is best for seniors really just depends on what type of credit card they’re looking for. They have great options for travel credit cards, cashback cards and even low-rate credit cards. Having such a wide assortment of credit cards means that they’re more likely to find the credit card that works best for them.
RBC Credit Card Comparisons
Looking through so much information when looking to find the best credit card. Here’s a glance at all of the RBC credit cards. These are just the traditional credit cards, no business credit cards.
| Credit Card | Purchase Rate | Cash Advance Rate | Annual Fee | Rewards |
| RBC Avion Visa Infinite | $120 | 20.99% | 22.99% | Avion Rewards |
| RBC Ion + Visa | $48 | 20.99% | 22.99% | Avion Rewards |
| WestJet RBC World Elite Mastercard | $119 | 20.99% | 22.99% | WestJet Dollars |
| RBC Ion Visa | $0 | 20.99% | 22.99% | Avion Rewards |
| RBC Cash Back World Elite Mastercard | $99 | 20.99% | 22.99% | Cashback |
| RBC Cash Back Mastercard | $0 | 20.99% | 22.99% | Cashback |
| RBC Visa Classic Low Rate Option | $20 | 12% | 12% | None |
| RBC Avion Visa Platinum | $120 | 20.99% | 22.99% | Avion Rewards |
| RBC RateAdvantage Visa | $0 | Prime + 4.99%-8.99% | Prime + 4.99%-8.99% | None |
| RBC Visa Platinum | $0 | 20.99% | 22.99% | None |
| WestJet RBC Mastercard | $39 | 20.99% | 22.99% | WestJet Dollars |
Other RBC credit card options include:
- More Rewards RBC Visa
- Moi RBC Visa (2x points for EV charging)
- More Rewards RBC Visa Infinite
- RBC Avion Visa Infinite Privilege
- RBC US Dollar Visa Gold
- RBC British Airways Visa Infinite (can be part of the British Airways Executive Club)
Visa Infinite Vs Platinum
When it comes to RBC credit cards, it can be difficult to determine which is the better credit card to get, especially when deciding between infinite and platinum cards. While there are plenty of subtle differences, the main difference is that Visa Infinite cards, especially Visa Infinite privilege cards, have significantly more rewards. Visa Platinum cards are better for those who aren’t looking for a high-reward credit card.
Final Thoughts
When it comes to RBC credit cards, you have plenty of options. They have credit cards for students and businesses, and they have low interest rates. They also have rewards and travel credit cards. Some of their credit cards have annual fees, and some don’t. No matter which credit card you decide to go with, each RBC card offers some awesome and unique benefits.
