Ratesopedia
Best for: Travel rewards
RBC ION+ Visa Card
4.2Ratesopedia rating

It comes with a welcome bonus of 14,000 points. You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $963.

Annual Fee
$48
Rewards rate
1x

RBC Avion Rewards

Welcome Bonus
14,000 points
1st Year Value
$963

Pros

  • Welcome bonus of 14,000 points
  • 3x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $963

Cons

  • Fewer premium perks
Best for: No annual fee
RBC ION Visa Card
4.3Ratesopedia rating

The RBC ION Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 7,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $581.

Best of Month
Annual Fee
$0
Rewards rate
1x

RBC Avion Rewards

Welcome Bonus
7,000 points
1st Year Value
$581

Pros

  • No annual fee
  • Welcome bonus of 7,000 points
  • Estimated 1st-year value of $581

Cons

  • Fewer premium perks
Best for: Overall value
WestJet RBC World Elite Mastercard‡
4.2Ratesopedia rating

It comes with a welcome bonus of 45,000 points. You earn 2x on groceries and 1.5x at restaurants. Estimated first-year value is $721.

Annual Fee
$139
Rewards rate
1.5x

WestJet Rewards

Welcome Bonus
45,000 points

Ends Aug 31, 2026

1st Year Value
$721

Pros

  • Welcome bonus of 45,000 points
  • 2x on groceries
  • Estimated 1st-year value of $721

Cons

  • Requires good credit
Best for: Overall value
RBC British Airways Visa Infinite
5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 Avios. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,349.

Best of Month
Annual Fee
$165
Rewards rate
1x

British Airways Club

Welcome Bonus
60,000 Avios
1st Year Value
$1,349

Pros

  • Welcome bonus of 60,000 Avios
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,349

Cons

  • High annual fee ($165)
  • Requires good credit

Complete Guide

Best RBC Credit Cards in Canada

Compare all RBC Royal Bank credit cards. From RBC Avion to Cash Back, find the right RBC card for you.

RBC Credit Card Lineup

RBC Royal Bank offers one of the largest credit card portfolios in Canada, with over 20 cards spanning travel, cash back, and low-interest categories. Their flagship RBC Avion program lets you transfer points to airline partners or redeem through the RBC Rewards travel portal.

Travel & Partnerships

RBC has exclusive partnerships with WestJet and British Airways, plus their newer ION+ cards. The RBC Avion Visa Infinite Privilege is one of Canada’s top premium travel cards with comprehensive insurance and lounge access.

Cash Back & Everyday

For non-travellers, RBC offers competitive cash back cards including no-fee options. Their student cards are also popular choices for building credit.

5

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1What is the best RBC credit card?

The RBC Avion Visa Infinite is the most popular for travellers. For cash back, the RBC Cash Back Mastercard offers solid returns with no annual fee.

2Can I transfer RBC Avion points to airlines?

Yes. RBC Avion points transfer to British Airways Avios, WestJet dollars, Cathay Pacific Asia Miles, and other partners at various ratios.

3Does RBC have a no-annual-fee card?

Yes, several. The RBC Cash Back Mastercard and RBC Rewards+ Visa are both available with no annual fee.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.