Canadian bank product guide
RBC credit cards cover Avion travel rewards, everyday rewards, cash back, no annual fee, low-interest, student, newcomer, airline, and business categories.
Quick answer
RBC credit cards are strongest when you want Avion travel flexibility or a broad major-bank card ecosystem. Cashback seekers and no-fee users should compare RBC against cards from BMO, TD, CIBC, Scotiabank, Tangerine, and Capital One before applying.
Planning note: fees, rates, offers, eligibility, account features, and card benefits can change. This page was reviewed on 2026-07-14. Verify current terms on official RBC pages before applying. CanadianBankNews is not affiliated with RBC Royal Bank.
Products and fees
| Product | Fee or cost note | Advantages | Watch-outs | Official source |
|---|---|---|---|---|
RBC Avion Visa Infinite Travel rewards | $120 annual fee and $50 additional-card fee according to RBC. | Earns Avion points, includes flexible travel redemption, travel insurance features, and premium Visa Infinite benefits. | Requires minimum income and delivers the most value when you use Avion travel redemptions and card benefits. | Verify -> |
RBC ION Visa No-fee rewards | $0 annual fee and $0 additional-card fee according to RBC. | A no-annual-fee entry into Avion points for everyday spending, students, newcomers, or backup-card users. | Rewards and benefits are lighter than premium Avion cards. | Verify -> |
RBC ION+ Visa Everyday rewards | $48 annual fee according to RBC's rewards-card comparison area. | Designed for stronger everyday rewards than the no-fee ION card while keeping the annual fee moderate. | Compare your spending categories before paying the annual fee. | Verify -> |
RBC Cash Back Mastercard No-fee cash back | $0 annual fee and $0 additional-card fee according to RBC. | No-fee cash back on groceries and everyday purchases, with cash back credited to the card account. | Cash back earn rates have tiers and conditions; premium cashback cards may earn more for high spenders. | Verify -> |
WestJet RBC Mastercard and World Elite Mastercard Airline travel | Annual fees and companion-voucher rules vary by card; verify current WestJet RBC terms. | Useful for travellers who want WestJet dollars, companion-voucher style benefits, and airline-specific perks. | Airline cards are best when you actually fly the airline and understand redemption limits. | Verify -> |
Frequent travellers should start with Avion cards, cashback seekers should compare RBC Cash Back Mastercard and preferred cashback cards, students may prefer RBC ION Visa or student-eligible cards, and premium users should compare annual fees against insurance and travel benefits.
RBC's advantage is redemption breadth through Avion. If you want grocery-heavy Scene+ earning, fixed TD Rewards travel booking, BMO Rewards flexibility, or simple no-fee cash back, compare across issuers before deciding.
RBC ranks as the strongest overall program in our Canadian bank loyalty ranking because Avion Rewards combines major-bank breadth, flexible travel redemption, partner offers, and everyday card/account integration. Cashback-first readers should still compare RBC against TD, BMO, CIBC, Scotiabank, Tangerine, and Simplii before choosing.
Mortgage planning
If your RBC product decision is connected to a home purchase, renewal, refinance, or debt consolidation plan, test the numbers first. CanadianBankNews can help you compare affordability, fixed versus variable assumptions, payment changes, and debt-service comfort before speaking with a lender.
The best RBC credit card depends on spending. RBC Avion Visa Infinite is a travel-focused choice, RBC ION Visa is a no-fee rewards card, and RBC Cash Back Mastercard is a no-fee cash back option.
Yes. RBC lists no-annual-fee cards including RBC ION Visa, RBC Cash Back Mastercard, RBC Visa Platinum, and selected partner cards.