Best RBC credit cards
RBC credit cards ranked by what each one is worth for your spending, after fees.
Card details updated November 10, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
21 RBC Royal Bank credit cards, ranked for you
Ranked by value in year one at $2,500 a month, after fees. How we rank
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Ranked 1. RBC Avion Visa Infinite Business
RBC · Visa
Worth in year one $2,033Then each year $5832.1% back on everything
- Welcome offer
- $1,275 you’d get The full offer. Up to 75,000 Avion points.
- Annual fee
- $0 first year Then $175 a year
Needs $60,000 personal or $100,000 household income
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Ranked 2. RBC Avion Visa Infinite
RBC · Visa Expert Score 7.9 out of 10. Good
Worth in year one $1,623Then each year $5682.1% back on travel, 1.7% back on everything else
- Welcome offer
- $935 you’d get All of year one’s offer. Up to 70,000 Avion points.
- Annual fee
- $0 first year Then $120 a year
Needs $60,000 personal or $100,000 household income
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Ranked 3. RBC British Airways Visa Infinite
RBC · Visa Expert Score 7.5 out of 10. Good
Worth in year one $1,605Then each year $6056% back on flights, 2% back on everything else
- Welcome offer
- $1,000 you’d get The full offer. Up to 50,000 Avios.
- Annual fee
- $165 a year
Needs $60,000 personal or $100,000 household income
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Ranked 4. WestJet RBC World Elite Mastercard for Business
RBC · Mastercard
Worth in year one $1,390Then each year $4906% back on flights, 1.5% back on everything else
- Welcome offer
- $900 you’d get All of year one’s offer. Up to 100,000 WestJet points.
- Annual fee
- $175 a year
Needs $80,000 personal or $150,000 household income
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Read the full review: WestJet RBC World Elite Mastercard for Business
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Best welcome offers right now
What you’d actually get at $2,500 a month.
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RBC Avion Visa Infinite Business
$1,275 you’d get
Up to 75,000 Avion points.
The full offer at your spending
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RBC British Airways Visa Infinite
$1,000 you’d get
Up to 50,000 Avios.
The full offer at your spending
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RBC Avion Visa Infinite
$935 you’d get
Up to 70,000 Avion points.
All of year one’s offer at your spending
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RBC Avion Visa Infinite Privilege
$935 you’d get
Up to 100,000 Avion points.
All of year one’s offer at your spending
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RBC Avion Visa Platinum
$935 you’d get
Up to 70,000 Avion points.
All of year one’s offer at your spending
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WestJet RBC World Elite Mastercard for Business
$900 you’d get
Up to 100,000 WestJet points.
All of year one’s offer at your spending
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Ranked 5. RBC Avion Visa Platinum
RBC · Visa Expert Score 7.2 out of 10. Good
Worth in year one $1,385Then each year $4501.7% back on everything
- Welcome offer
- $935 you’d get All of year one’s offer. Up to 70,000 Avion points.
- Annual fee
- $120 a year
Income rule not listed
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Ranked 6. RBC Avion Visa Infinite Privilege
RBC · Visa Expert Score 7.9 out of 10. Good
Worth in year one $1,279Then each year $3442.1% back on everything
- Welcome offer
- $935 you’d get All of year one’s offer. Up to 100,000 Avion points.
- Annual fee
- $399 a year
Needs $200,000 personal or $200,000 household income
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Ranked 7. RBC Ion+ Visa
RBC · Visa
Worth in year one $1,245Then each year $1,0075.1% back on groceries, gas and restaurants, 1.7% back on everything else
- Welcome offer
- $238 you’d get The full offer. Up to 14,000 Avion points.
- Annual fee
- $48 a year
Income rule not listed
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Ranked 8. RBC® Visa Business Platinum Avion®
RBC · Visa
Worth in year one $1,165Then each year $4501.7% back on everything
- Welcome offer
- $595 you’d get The full offer. Up to 35,000 Avion points.
- Annual fee
- $0 first year Then $120 a year
Income rule not listed
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Ranked 9. WestJet RBC World Elite Mastercard
RBC · Mastercard Expert Score 7.3 out of 10. Good
Worth in year one $1,094Then each year $4942% back on flights, groceries and gas, 1.5% back on everything else
- Welcome offer
- $600 you’d get All of year one’s offer. Up to 70,000 WestJet points.
- Annual fee
- $139 a year
Needs $80,000 personal or $150,000 household income
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Ranked 10. RBC Ion Visa
RBC · Visa Expert Score 7.5 out of 10. Good
Worth in year one $691Then each year $5722.6% back on groceries, gas and rideshare, 1.7% back on everything else
- Welcome offer
- $119 you’d get The full offer. Up to 7,000 Avion points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 11. RBC Cash Back Preferred World Elite Mastercard
RBC · Mastercard Expert Score 7.5 out of 10. Good
Worth in year one $552Then each year $5523% back on groceries, restaurants and food delivery, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $120 a year
Needs $80,000 personal or $150,000 household income
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Read the full review: RBC Cash Back Preferred World Elite Mastercard
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Ranked 12. WestJet RBC Mastercard
RBC · Mastercard Expert Score 7.5 out of 10. Good
Worth in year one $546Then each year $3961.5% back on flights, restaurants and food delivery, 1% back on everything else
- Welcome offer
- $150 you’d get The full offer. Up to 15,000 WestJet points.
- Annual fee
- $39 a year
Income rule not listed
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Ranked 13. moi RBC Visa
RBC · Visa
Worth in year one $420Then each year $3801.6% back on groceries, gas and restaurants, 0.8% back on everything else
- Welcome offer
- $40 you’d get The full offer. Up to 5,000 moi points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 14. More Rewards RBC Visa Infinite
RBC · Visa
Worth in year one $420Then each year $3801.6% back on groceries, gas and restaurants, 0.8% back on everything else
- Welcome offer
- $40 you’d get The full offer. Up to 20,000 More Rewards points.
- Annual fee
- $0 No annual fee
Needs $60,000 personal or $100,000 household income
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Ranked 15. More Rewards RBC Visa
RBC · Visa
Worth in year one $297Then each year $2571% back on groceries, gas and restaurants, 0.6% back on everything else
- Welcome offer
- $40 you’d get The full offer. Up to 20,000 More Rewards points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 16. RBC Cash Back Mastercard
RBC · Mastercard Expert Score 8.0 out of 10. Very good
Worth in year one $264Then each year $2642% back on groceries, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 17. RBC® Business Cash Back Mastercard
RBC · Mastercard Expert Score 7.6 out of 10. Good
Worth in year one $255Then each year $2551% back on everything
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 18. RBC U.S. Dollar Visa Gold
RBC · Visa Expert Score 7.0 out of 10. Good
Earned in year one 30,000 pointsThen each year 30,000 points1 point per $1 on everything
- Welcome offer
- None listed
- Annual fee
- US$65 a year
Income rule not listed
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Ranked 19. RBC Visa Platinum
RBC · Visa Expert Score 6.6 out of 10. Fair
Earns no rewards Built for a lower interest rate: 20.99% on purchases. See it ranked under Low interest
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 20. RBC Visa Classic Low Rate Option
RBC · Visa Expert Score 7.1 out of 10. Good
Earns no rewards Built for a lower interest rate: 12.99% on purchases. See it ranked under Low interest
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $20 a year
Income rule not listed
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Showing 20 of 21 cards
Filters
Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
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Cards by network
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction