The perfect RBC bank cards in Canada for 2024

Royal Financial institution of Canada provides an array of bank cards catering to varied 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.

Finest 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 automobile leases).

featured

RBC Avion Visa Infinite

go to web site

• Annual price: $120
• Earn charge: 1.25 Avion factors per $1 spent on journey (together with flights, resorts, taxis and public transit) and 1 level per $1 on all different purchases.
• Welcome bonus: You’ll be able to earn 35,000 Welcome Factors on approval and 20,000 bonus factors if you spend $5,000 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 $60,000 or family earnings of $100,000

go to web site

Professionals

• RBC Avion factors could be price 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’ll be able to 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 via RBC. 
• There aren’t any blackout intervals or seat restrictions, even in periods 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 cell machine insurance coverage of as much as $1,500.

Cons

• You’ll pay a international transaction price of two.5% on all purchases not in Canadian {dollars}. 
• The best earn charge is 1.25%, which isn’t very excessive for a premium card; different premium playing cards function 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.

Finest 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 gorgeous journey buddy. In truth, 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.

featured

WestJet RBC World Elite Mastercard

go to web site

• Annual price: $119
• Earn charge: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
• Welcome provide: You’ll be able to earn as much as 600 WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus a Spherical-Journey Companion Voucher Each 12 months.
• Annual earnings necessities: Private earnings of $80,000 or family earnings of $150,000

go to web site

Professionals

• Journey perks embody 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 fees) or decide 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 gasoline at Petro-Canada and can even earn Rexall’s Be Effectively 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 should not versatile as they will 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.

Finest 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.

featured

RBC ION Visa

go to web site

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

• Annual earnings requirement: None

go to web site

Professionals 

• Some redemption flexibility. You’ll be able to 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 Effectively factors with purchases at Rexall pharmacies.
• Good for players: The RBC ION Visa is without doubt 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 completely 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’ll be able to’t redeem your factors via RBC’s Air Journey Redemption Schedule—which provides the best worth in your factors. That function is a part of Avion Elite, which requires having an RBC Avion card. 
• The cardboard has restricted insurance coverage protection.

Finest 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 on the spot gasoline financial savings at Petro-Canada, Be Effectively factors at Rexall and $0 supply charges for 12 months from DoorDash.

RBC Money Again Most popular World Elite Mastercard

Go to rbc.com for extra particulars

• Annual price: $99
• Earn charge: 1.5% again on all of your purchases
• Welcome bonus: You’ll be able to 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

Go to rbc.com for extra particulars

Professionals

• The annual price of $99 is decrease than many different premium playing cards.
• If you happen to 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’ll be able to earn 50 factors per $1 spent at Rexall if you hyperlink your RBC card and your Rexall Be Effectively 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 automobile harm, buy safety and prolonged guarantee.
• The boosted charge of 1.5% is capped at your first $25,000 spent yearly.

Finest RBC no-fee money again bank card

At a look: Like a number of the greatest money again bank cards in Canada, the RBC Money Again Mastercard provides money again with no annual price. Earn as much as 2% on groceries and as much as 1% on all different purchases. Profit from on the spot gasoline financial savings at Petro-Canada, enhanced Be Effectively factors at Rexall and $0 supply charges for 3 months from DoorDash.

featured

RBC Money Again Mastercard

go to web site

• Annual price: $0
• Earn charge: 2% money again on groceries and 1% again on all different purchases
• Welcome bonus: You’ll be able to

• Annual earnings requirement: None

go to web site

Professionals 

• The cardboard comes with buy safety and prolonged guarantee safety.
• Save $0.03 per litre on gasoline at taking part Petro-Canada stations and earn 20% extra Petro-Factors.
• Get 50 Be Effectively 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 advantageous print fastidiously to know the spending limits at which their rewards will improve 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.

Finest RBC low-interest bank card

At a look: For people making an attempt to deal with bank card debt, the RBC Visa Basic Low Fee Possibility is a beneficial card. It provides 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 in depth perks, it does present benefits like reductions at Petro-Canada and complimentary supply companies via DoorDash.

featured

RBC Visa Basic Low Fee Possibility

go to web site

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

go to web site

Professionals 

• With its inexpensive $20 annual price 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 Gives, which provides 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 function a steadiness switch promotion, so you’ll be able to’t transfer debt from a higher-interest card.

Extra of Canada’s greatest bank cards: