RBC’s Avion rewards program sets their credit cards apart from other banks. The program allows you to earn points quickly and redeem them for various options, such as travel, shopping at partner retailers, or even paying down RBC debt. You can earn Avion points with their travel, rewards, and student credit cards. The membership gives you special deals and access to Canada's most extensive bank-owned loyalty program. These perks make RBC Credit Cards to be some of the best credit cards in Canada.
However, RBC offers more than just Avion rewards cards. They also offer cashback, low-interest cards, no foreign exchange, and more. Most RBC credit cards also have partnership benefits, such as free DoorDash deliveries and insurance. The table below summarizes the article. Clicking a card name will jump to the relevant section to learn more.
At the bottom of the article, we've also included information about RBC credit card contact information and how to activate a new RBC card. Continue reading to learn more about RBC's best credit cards.
Value of One Avion Rewards Point: $0.0058 - $0.023
*Value depends on redemption
Max redemption value for round trip flights, excluding applicable taxes, surcharges and fees
Source: How many Avion points do you need to travel?
The Best of RBC Credit Cards | |
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Travel: RBC Avion Visa Infinite | Annual Fee: $120 ($50/Additional Card) Interest Rate: 19.99% Purchase, 22.99% Cash Advance Income Requirement: $60,000 Personal, $100,000 Household Estimated Credit Score: 660 - 724 |
Cashback: RBC Cash Back Preferred World Elite Mastercard | Annual Fee: $99 ($0/Additional Card) Interest Rate: 19.99% Purchase, 22.99% Cash Advance Income Requirement: $80,000 Personal, $150,000 Household Estimated Credit Score: 660 - 724 |
Rewards: RBC ION+ Visa | Monthly Fee: $4 ($0/Additional Card) Interest Rate: 19.99% Purchase, 22.99% Cash Advance Income Requirement: N/A Estimated Credit Score: 725 - 759 |
Student & No-Fee: RBC ION Visa | Annual Fee: $0 Interest Rate: 19.99% Purchase, 22.99% Cash Advance Income Requirement: N/A Estimated Credit Score: 660 - 724 |
Low-Interest: RBC Visa Classic Low Rate Option | Annual Fee: $20 ($0/Additional Card) Interest Rate: 12.99% Purchase, 12.99% Cash Advance Income Requirement: N/A Estimated Credit Score: 725 - 759 |
No-FX Fees: RBC U.S. Dollar Visa Gold | Annual Fee: $65 USD ($30/Additional Card) Interest Rate: 19.99% Purchase, 22.99% Cash Advance Income Requirement: N/A Estimated Credit Score: 760 - 900 |
Travel credit cards are great for anyone who loves to travel, whether for work or pleasure. These cards earn points which you can redeem for free or discounted flights. Additionally, they tend to come with lounge access and many types of insurance. However, to compensate for the variety of benefits, travel credit cards tend to have higher annual fees and interest rates.
In general, the RBC Avion Visa Infinite is recommended. However, the WestJet RBC World Elite Mastercard is best for you if you frequently fly with WestJet. This is because the points earned on the WestJet card are best redeemed on flights of that airline. If you do not frequently fly with them, then Avion points will give you more airline options.
The WestJet card truly shines with the companion pass. This feature allows you to travel with a friend for a reduced rate. For example, the companion pass will enable you to buy an additional ticket for $119 for travel within Canada and the continental U.S. Bringing your companion along the rest of the WestJet network will only cost $399. However, these costs require additional taxes, fees, and charges.
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The RBC Avion Rewards program offers its members cash back, Avion points, and cash savings. Members can redeem their points for rewards such as travel, merchandise, and gift cards. To redeem points, you have to become an Avion rewards member. There are two tiers of membership, each depending on the type of card you have.
Next, cashback credit cards provide a percentage of your purchases back in cash. This is an excellent option for anyone who wants to earn money while they spend. Some cards provide cash-back lockup periods or minimum redemption values. For example, in some cases, you can only redeem your cashback once a year.
This is not true for RBC which offers flexible cashback redemption. Interestingly, this credit card also provides DragonPass airport experience access. This means you can use your RBC Cash Back Preferred World Elite Mastercard to access airport lounges around the world.
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RBC’s ION+ Visa is a great option for those looking to experiment with rewards credit cards. Unlike most alternatives, this choice has a low annual fee and no income requirements. Additionally, the card offers two years of mobile device insurance for up to $1,000. This rare coverage protects your mobile device if your phone is lost, stolen, or damaged. However, you’ll have to purchase the phone on this card to ensure it’s covered. Additionally, this card provides Avion Premium membership and not Avion Elite. This means you won’t be able to redeem points on travel.
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If you're a student looking to build your credit history, RBC offers student credit cards to help you do that. These cards typically have lower fees, making them excellent options for young people starting. RBC’s ION Visa is the category best for students and no-fee cards. This is why we’ve combined the two categories.
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Low-interest credit cards are perfect for anyone who carries a balance from month to month. These cards typically offer lower interest rates than other options on the market, making them an excellent choice for anyone who wants to save money on their monthly payments.
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While RBC doesn’t have a multi-currency no-FX credit card, their U.S. Dollar Visa Gold is a great option for those who frequent the United States. This card carries a balance in USD, meaning you’ll need an associated USD bank account to make payments. In addition, this card offers a variety of travel-related insurance which is perfect for those visiting our neighbour to the south.
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If you need to get in touch with RBC about your credit card, there are several ways to do so. You can call their toll-free number at 1-800-769-2512 or visit one of their branches in person. Some customers also have success reaching out to their social media.
Those who prefer written mail can use RBC's mailing address
Royal Bank of Canada
10 York Mills Rd. 3rd Floor
Toronto, ON M2P 0A2
All RBC credit cards can be activated online or by phone. There are three ways to activate your card;