Comparing RBC's Best Credit Cards 2024

This Page's Content Was Last Updated: April 19, 2024
WOWA Simply Know Your Options

What You Should Know

  • RBC has a variety of credit cards that have different features such as rewards, purchase and travel insurance, low interest rates, travel perks and others.
  • There are 4 different reward programs partnered with RBC: Avion, WestJet, Avios and Moi.
  • Avion Rewards is the main rewards program for RBC credit cards. Avion Reward points can be used for flights, merchandise, gift cards and other purchases.

About RBC Credit Cards

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RBC is one of the big five banks in Canada. RBC provides various financial services and products to individuals, small and large businesses and other institutions. RBC offers over 20 credit cards with different features including cashback, rewards, purchase and travel insurance and other perks.

Most RBC credit cards also have partnership benefits, such as free DoorDash deliveries, annual companion voucher for WestJet, gas discounts, and others. RBC credit cards usually provide you with cashback, Avion Rewards points, WestJet Dollars, Moi points and Avios points.

Best RBC Credit Cards

How we Sort Credit Cards: We sort credit cards based onand the card's annual fee. We estimate the dollar value of the rewards you would get based on your spending categories, and we subtract the annual fee the card charges to get the best credit cards for your spending habits. We also use the salary to filter out cards based on the minimum income requirement.Disclaimer: We may receive compensation for some credit cards presented. The algorithm we use to sort credit cards is not influenced by the compensation.

Avion - RBC Credit Card Rewards Program

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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 your debt.

You can earn Avion points with RBC 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.

Value of One Avion Rewards Point: $0.0058 - $0.023

*Value depends on redemption

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 3 tiers of membership, each depending on the type of card you have.

  • Avion Select: This is the most basic tier, and it allows you to convert points at the conversion rate of 172 points for $1. Minimum redemption is 2,500 points.

    Avion Select Membership Points Redemption

  • Avion Premium: You can redeem points on cashback offers and discounts. You can also use points for gift cards, merchandise, and more.

    Avion Elite Membership Points Redemption

  • Avion Elite: This membership tier allows you to book flights at a fixed cost, which translates into the best redemption rate. You can redeem 100 points for as much as $2.30 with Avion Elite flight prices.

RBC Avion Points Air Travel Redemptions

Max redemption value for round trip flights, excluding applicable taxes, surcharges and fees

Source: How many Avion points do you need to travel?

RBC Credit Card Contact

There are several ways you can contact RBC about your credit card. 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.

You can also send them mail using RBC’s mailing address:
Royal Bank of Canada
10 York Mills Rd. 3rd Floor
Toronto, ON M2P 0A2

RBC Activate Credit Card

All RBC credit cards can be activated online or by phone. There are three ways to activate your card;

  1. Online Banking: Sign in with your Client Card/Username and Password. On the Accounts Summary page, select your credit card, which will take you to the Credit Card Account Details page. Select "Activate My Credit Card" and follow the on-screen prompts.
  2. Online Activation Tool: If you don't already have Online Banking, visit the online activation tool to sign up. You can also enroll in Online Banking if desired.
  3. Phone Call: If you prefer to activate by phone, you can call the following toll-free numbers
    • a. Personal or Business Banking: 1 877 900 5900
    • b. Private Banking: 1 888 769 2585

Disclaimer:

  • Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
  • The calculators and content on this page are for general information only. WOWA does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
  • Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
  • Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.