A dependable flexible-points program with sneaky-good chart redemptions. Strongest inside the RBC ecosystem; middling as a pure earner.
$120 annual fee · First-year net value ≈ $840 · RBC Avion
Issuer hub · Updated Oct 4, 2026
RBC Credit Cards in Canada
Every RBC credit card we track, ranked by Standard Score: Avion, WestJet, and Avios earners across Visa and Mastercard, with the fee math shown for each.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | RBC Avion Visa Infinite RBC | 7.2/10 | $120 | ≈ $840 | RBC Avion | See offer |
| 2 | RBC Avion Visa Infinite Privilege RBC | 6.8/10 | $399 | ≈ $581 | RBC Avion | See offer |
| 2 | WestJet RBC World Elite Mastercard RBC | 6.8/10 | $139 | ≈ $460 | WestJet points | See offer |
| 4 | RBC Visa Business Platinum Avion RBC | 6.7/10 | $120 | ≈ $660 | RBC Avion | See offer |
| 5 | RBC British Airways Visa Infinite RBC | 6.5/10 | $165 | ≈ $715 | British Airways Avios | See offer |
| 5 | RBC Cash Back Preferred World Elite Mastercard RBC | 6.5/10 | $120 | ≈ $500 | Cash back | See offer |
| 5 | RBC ION+ Visa RBC | 6.5/10 | $48 | ≈ $490 | RBC Avion | See offer |
| 8 | RBC ION Visa RBC | 5.5/10 | None | ≈ $260 | RBC Avion | See offer |
| 9 | RBC Cash Back Mastercard RBC | 5.2/10 | None | ≈ $210 | Cash back | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every RBC card, ranked
A step-up card that mostly makes sense during elevated offers or for clients who value the lounge access; otherwise the standard Infinite is the smarter Avion play.
$399 annual fee · First-year net value ≈ $581 · RBC Avion
One of Canada's best airline keeper cards if (and only if) WestJet is your carrier. The companion voucher is the whole business case.
$139 annual fee · First-year net value ≈ $460 · WestJet points
A functional expense-management card first, a points earner second. The expense tools are the real selling point, not the earn rate.
$120 annual fee · First-year net value ≈ $660 · RBC Avion
A specialist's card: the bonus is genuinely valuable in the right hands, and close to pointless in the wrong ones.
$165 annual fee · First-year net value ≈ $715 · British Airways Avios
RBC's October rework turned a flat 1.5% card into one of the stronger category cash-back cards: 3% across most everyday spending, uncapped, with travel medical and mobile device cover added. The $120 fee is fair for that. Just don't buy it for the DragonPass, which includes no free visits.
$120 annual fee · First-year net value ≈ $500 · Cash back
A starter card that earns like a premium one: 3x Avion points on most everyday spending for $48 a year. The Avion Visa Infinite adds a bigger bonus and travel insurance, not a better everyday earn rate.
$48 annual fee · First-year net value ≈ $490 · RBC Avion
The cleanest free on-ramp to RBC Avion. Upgrade to the ION+ once your spend justifies the fee.
No annual fee · First-year net value ≈ $260 · RBC Avion
A reasonable no-fee grocery card now that the $6,000 cap is gone, but the 0.5% base rate means it only pays off for households whose spending leans on groceries and commuting.
No annual fee · First-year net value ≈ $210 · Cash back
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every RBC card here is scored on the same Standard Score as the rest of the site: see how it’s built, or browse the full card database.
To compare them with every other card that earns the same points, see Best RBC Avion Credit Cards in Canada.