https://cardnorth.ca/credit-cards/rbc/Recent content in RBC Credit Cards — All Cards Reviewed (2026) on CardNorthHugo -- gohugo.ioen-caThu, 05 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-moi-visa/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-moi-visa/The moi RBC Visa is a niche no-fee RBC card tied to the moi loyalty programme. It is most useful for people who already collect moi points and have a clear redemption path for them. Quick Verdict Best for: moi programme members who want a no-fee Visa and already redeem within the ecosystem. Not ideal for: Canadians looking for broad travel rewards or the best everyday earn rate. Key Card Details Feature Detail Annual fee $0 Purchase interest rate 20.https://cardnorth.ca/credit-cards/rbc/rbc-more-rewards-visa/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-more-rewards-visa/The RBC More Rewards Visa is a no-annual-fee card for Canadians who want to earn More Rewards points without taking on a yearly fee. It sits in RBC’’s more basic rewards tier and works best as an entry or backup card. Quick Verdict Best for: RBC customers who want a no-fee points card. Not ideal for: people chasing the strongest RBC earn rates or premium travel perks. Key Card Details Feature Detail Annual fee $0 Purchase interest rate 20.https://cardnorth.ca/credit-cards/rbc/rbc-rateadvantage-visa/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-rateadvantage-visa/The RBC RateAdvantage Visa is a lower-interest RBC card for Canadians who may carry a balance. Instead of chasing rewards, the card is built around reducing borrowing costs. Quick Verdict Best for: cardholders who carry a balance and want a lower rate than most rewards cards. Not ideal for: anyone who pays in full every month and wants points or cash back. Key Card Details Feature Detail Annual fee $0 Purchase interest rate Verify at rbc.https://cardnorth.ca/credit-cards/rbc/rbc-u-s-dollar-visa-gold/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-u-s-dollar-visa-gold/The RBC U.S. Dollar Visa Gold is a niche card for Canadians who spend or settle balances in U.S. dollars. It is designed more for convenience than for rewards value. Quick Verdict Best for: Canadians with regular USD spending or a U.S. dollar banking relationship. Not ideal for: anyone looking for the best cash back or travel rewards card. Key Card Details Feature Detail Annual fee Verify at rbc.com Purchase interest rate Verify at rbc.https://cardnorth.ca/credit-cards/rbc/how-to-apply-for-rbc-credit-card/Thu, 04 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/how-to-apply-for-rbc-credit-card/You can apply for an RBC credit card online at rbc.com, through the RBC Mobile app (for existing clients), or at an RBC branch. The online process takes about 10 minutes. Step-by-Step: Applying Online Review the lineup — Compare RBC credit cards and check income requirements Go to rbc.com — Navigate to credit cards and click “Apply Now” Log in or apply as a guest — Existing RBC Online Banking clients can pre-fill personal information Complete the application — Provide your SIN (optional), income, employment details, and address Submit — RBC runs a hard credit inquiry; most applicants get an instant decision Required Information Field Details Legal name and date of birth As on your government ID SIN (optional) Speeds up the credit check; not mandatory Annual income Total gross income from all sources Employment status Employed, self-employed, retired, student Employer name and length of employment For employed applicants Current address And time at address; prior address if less than 2 years Monthly housing payment Rent or mortgage RBC Client vs.https://cardnorth.ca/credit-cards/rbc/rbc-credit-card-income-requirements/Thu, 04 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-credit-card-income-requirements/RBC credit cards at the Visa Infinite and World Elite Mastercard tier require minimum personal and household income. Entry-level and no-fee cards have no income requirement. RBC Credit Card Income Requirements Card Annual Fee Personal Income Household Income RBC Avion Visa Infinite Privilege $399 $200,000 $200,000 RBC British Airways Visa Infinite $165 $60,000 $100,000 RBC Avion Visa Infinite $120 $60,000 $100,000 RBC Cash Back World Elite Mastercard $120 $80,000 $150,000 RBC WestJet World Elite Mastercard $139 $80,000 $150,000 RBC Avion Visa Platinum $99 None None RBC WestJet Mastercard $39 None None RBC Ion Plus Visa $48 None None RBC Ion Visa $0 None None RBC Cash Back Mastercard $0 None None RBC Cash Back Visa $0 None None RBC Student Visa $0 None None Note: World Elite Mastercard products (WestJet World Elite, Cash Back World Elite) use a higher income threshold than Visa Infinite cards.https://cardnorth.ca/credit-cards/rbc/rbc-avion-visa-infinite-privilege/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-avion-visa-infinite-privilege/The RBC Avion Visa Infinite Privilege is RBC’s ultra-premium Avion credit card, requiring a $200,000 income threshold and carrying a $399 annual fee. It offers the highest Avion earn rates in RBC’s card lineup, premium Visa Infinite Privilege status (with its accompanying lounge access and hotel benefits), and the most comprehensive travel insurance package RBC provides on a personal credit card. For high-income RBC clients who travel frequently, it represents the top tier of RBC’s credit card offerings.https://cardnorth.ca/credit-cards/rbc/rbc-avion-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-avion-visa-infinite/The RBC Avion Visa Infinite is RBC’s flagship travel rewards card, and it earns its place in the conversation through flexibility and consistency rather than headline earn rates. Where cards like the Scotiabank Gold Amex or MBNA Rewards World Elite excel in specific spending categories, the Avion takes a different approach: 1.25x Avion Rewards points on every purchase, 1.75x on eligible travel, and access to multiple airline transfer partners. For RBC banking customers who want a reliable travel card without managing bonus categories or spend caps, the Avion is a dependable choice.https://cardnorth.ca/credit-cards/rbc/rbc-avion-visa-platinum/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-avion-visa-platinum/The RBC Avion Visa Platinum is the entry point into RBC’s Avion Rewards travel ecosystem — a Visa Platinum card with no income requirement that earns Avion points redeemable for flexible travel or transferable to airline partner programmes. For Canadians who want access to transferable airline points without an income threshold, the Avion Platinum offers a practical path into the Avion programme. Quick Verdict Best for: Canadians who want access to the RBC Avion ecosystem and airline transfer partners without meeting the $60,000 income requirement for the Visa Infinite, and those new to travel rewards who want to build Avion points.https://cardnorth.ca/credit-cards/rbc/rbc-british-airways-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-british-airways-visa-infinite/The RBC British Airways Visa Infinite is a co-branded travel credit card that earns British Airways Avios directly on all eligible Visa purchases — with Avios credited to your British Airways Executive Club account for redemption on British Airways, WestJet, American Airlines, Iberia, Japan Airlines, and other Avios partner airlines. A standout feature is the companion voucher benefit (when spending thresholds are met), making it particularly valuable for couples or families travelling together on BA routes.https://cardnorth.ca/credit-cards/rbc/rbc-cash-back-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-cash-back-mastercard/The RBC Cash Back Mastercard is RBC’s no-annual-fee entry cash back card, earning elevated cash back on grocery purchases and a base rate on all other eligible spending. With no annual fee and no income requirement, it provides a cost-free path to RBC cash back rewards for everyday shoppers — particularly those whose grocery spend is within the annual earn cap. For RBC banking customers who want a rewards card at zero cost, it is a straightforward choice.https://cardnorth.ca/credit-cards/rbc/rbc-cash-back-world-elite-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-cash-back-world-elite-mastercard/The RBC Cash Back World Elite Mastercard is RBC’s premium cash back credit card, designed for high-spend Canadian households who want elevated cash back on groceries — the largest household expense category for most Canadians — alongside World Elite Mastercard travel insurance and benefits. At $120/year with an $80,000 income requirement, it competes in a crowded premium cash back segment that includes the BMO CashBack World Elite Mastercard and Scotiabank Momentum Visa Infinite.https://cardnorth.ca/credit-cards/rbc/rbc-ion-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-ion-visa/The RBC ION Visa is RBC’s entry-level Avion rewards credit card, designed to bring Avion points earning to Canadians who do not yet qualify for — or do not want to pay for — a premium travel card. At $48 per year, it earns 1.5 Avion points per dollar on grocery, streaming, gas, transit, and rideshare purchases, giving everyday spenders access to RBC’s travel rewards ecosystem at a low annual cost.https://cardnorth.ca/credit-cards/rbc/rbc-ion-plus-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-ion-plus-visa/The RBC ION+ Visa punches well above its $48 annual fee with a 3x Avion points earn rate on grocery, dining, streaming, transit, and rideshare — categories that capture a significant share of most Canadians’ monthly spending. It is one of the best-value entry-level rewards cards in Canada, offering the same Avion points currency as the premium RBC Avion Visa Infinite at a fraction of the cost. Quick Verdict Best for: Canadians who spend regularly on groceries, restaurants, streaming subscriptions, and transit, and want access to the Avion rewards programme without a high annual fee or income requirement.https://cardnorth.ca/credit-cards/rbc/rbc-visa-classic-low-rate/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-visa-classic-low-rate/The RBC Visa Classic Low Rate Option is RBC’s entry-level low-interest credit card — offering a reduced purchase interest rate below the standard 19.99% at a modest annual fee. Designed for RBC banking clients who occasionally carry a credit card balance, it prioritises interest cost reduction over rewards earning. Like all low-interest cards, it earns no rewards — the value proposition is entirely in the lower interest rate for those who carry balances.https://cardnorth.ca/credit-cards/rbc/rbc-visa-platinum/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-visa-platinum/The RBC Visa Platinum is a mid-tier credit card from RBC that earns RBC Rewards points on everyday spending. It sits between RBC’s no-annual-fee options and the premium Avion Visa Infinite, offering a balance of rewards, travel insurance, and accessibility without an income requirement. Quick Verdict Best for: RBC banking customers who want a rewards Visa with some travel insurance and no income requirement, but don’t need the full premium benefits of the Avion Visa Infinite.https://cardnorth.ca/credit-cards/rbc/rbc-westjet-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-westjet-mastercard/WestJet dollars became WestJet points on April 30, 2025. This page is being updated. The RBC WestJet Mastercard is the entry-level co-branded WestJet credit card from RBC, positioned below the premium RBC WestJet World Elite Mastercard. At approximately $39 per year, it earns WestJet dollars on everyday purchases and provides access to the WestJet rewards ecosystem at a lower annual fee, suitable for occasional WestJet flyers who want to accumulate WestJet dollars without committing to the World Elite’s $139 fee or income requirement.https://cardnorth.ca/credit-cards/rbc/rbc-westjet-world-elite-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/rbc/rbc-westjet-world-elite-mastercard/WestJet dollars became WestJet points on April 30, 2025. This page is being updated. The RBC WestJet World Elite Mastercard is the definitive card for Canadians who fly WestJet regularly with family or a travel companion. Its annual companion voucher, free first checked bag for up to nine travellers, and simple WestJet dollar rewards currency create a clear, calculable value proposition. For households that take one or two WestJet trips per year and check bags, the benefits can easily deliver $400–$800 in value against a $139 annual fee.