RBC continues to stand out among Canada’s biggest banks for its wide-ranging suite of credit cards that cater to diverse spending needs. Whether you’re seeking premium travel perks, cash back on everyday purchases, or no annual fee simplicity, RBC has ramped up its credit card offerings going into 2026. With new updates to reward structures, digital benefits, and travel protections, there’s never been a better time to find an RBC credit card that matches your lifestyle.
In 2026, strategic enhancements to features like accelerated earning on popular spending categories, integration with digital wallets, and access to exclusive privileges through RBC Rewards and Avion have put RBC cards in strong competition. From savvy savers to frequent jet-setters, there’s a fit for nearly every Canadian looking to unlock more value from their plastic. We break down the best RBC credit cards available this year and how to choose the one that’s tailored to you.
At a glance: Compare the best RBC credit cards of 2026
| Card | Best For | Annual Fee | Rewards Category | Key Feature |
|---|---|---|---|---|
| RBC Avion Visa Infinite | Travel Rewards | $120 | 1 Avion point per $1, 1.25 on travel | Unrestricted flight redemptions |
| RBC Cash Back Preferred World Elite Mastercard | Cash Back | $99 | 1.5% on all purchases | Unlimited earning potential |
| RBC ION Visa | Everyday Spending | $0 | Up to 1.5x RBC Rewards on groceries, gas, transit | No annual fee + mobile purchase insurance |
| RBC Avion Visa Infinite Privilege | Luxury Travel | $399 | 2 Avion pts per $1 on travel | Airport lounge access + concierge |
| RBC Cash Back Mastercard | Budget-Friendly Cash Back | $0 | 0.5–2% on groceries, gas | Simple earning on common categories |
What changed this year
Heading into 2026, RBC has shifted focus toward customizable rewards and enhanced digital capabilities. The RBC ION Visa and ION+ Mastercard, for example, now emphasize mobile purchase protection, lifestyle perks like streaming service discounts, and flexible redemption options for daily purchases. Meanwhile, the Avion series doubles down on making travel redemption frictionless and valuable. Upgrades to the RBC Avion Visa Infinite and Privilege cards include better transfer ratios to airline partners and deeper integration with travel providers.
Another significant change is the expanded use of Avion Rewards across all RBC products. Cardholders can now earn points faster and use them more flexibly, not just for flights but also on merchandise, bill credits, and even investing. Cash back cards have also been refreshed, with higher flat-rate earn rates and streamlined redemption processes through the RBC Mobile app.
Who qualifies and why it matters
Each RBC credit card has specific eligibility criteria, often based on annual income. For instance, the RBC Avion Visa Infinite typically requires a minimum annual income of $60,000 (or $100,000 household), while the premium Avion Visa Infinite Privilege asks for $200,000 household income. On the other hand, cards like the RBC ION Visa and Cash Back Mastercard are designed for broader accessibility, suitable for students, young professionals, and newcomers to Canada.
RBC also assesses credit history and utilization when evaluating applications. If you’re building credit or have a shorter history in the country, starting with no-annual-fee options or secured variants could be a strategic move before graduating to premium tiers.
Deep dive: RBC credit cards that lead in their class
RBC Avion Visa Infinite – Still the travel king
The flagship RBC Avion Visa Infinite remains one of the most sought-after travel rewards cards in 2026. With its signature 1 Avion point per dollar spent and boosted 1.25x rate on eligible travel, the card offers bold value. Points can be redeemed through the Avion booking engine, transferred to airline partners, or even cashed out. The card also offers comprehensive insurance: trip cancellation, baggage, car rental collision, and more.
Key perks include:
- Welcome bonus of 55,000 Avion points (limited-time offer)
- Flexible travel redemption without airline blackout dates
- Visa Infinite perks including dining and wine experiences
RBC Cash Back Preferred World Elite Mastercard – High earners’ favorite
This card is built for those who want straight-forward cash back without worrying about categories or caps. With a flat 1.5% cash back on everything you buy, it’s ideal for high spending individuals or frequent credit card users who want simplicity and value. It does come with a $99 annual fee, but that is quickly justified with consistent usage.
Other noteworthy features:
- Out-of-province medical travel insurance
- Purchase security and extended warranty protection
- Exclusive Mastercard World Elite travel benefits
RBC ION Visa – Versatile starter card with perks
The ION Visa targets young Canadians and newcomers who want to ease into rewards. With no annual fee and up to 1.5x RBC Rewards points on common spending categories—grocery, gas, transit, streaming—it’s a solid everyday card with low barriers. The ION+ Mastercard version adds slightly higher earn rates and mobile device protection for a modest annual fee of $48.
RBC Avion Visa Infinite Privilege – Premium experience with travel luxury
For serious travelers ready to invest in a top-tier rewards card, this premium card delivers. The Privilege version of the Avion series offers 2 Avion points on travel and 1.25–1.5 on other purchases, making it one of the most lucrative programs in Canada. Cardholders enjoy global airport lounge access, concierge services, premium insurance, and elevated wine country and golf privileges.
Winners and losers based on spending style
| Spending Type | Top Pick | Runner-Up | Loser (If Any) |
|---|---|---|---|
| Frequent Flyers | RBC Avion Visa Infinite | Avion Visa Infinite Privilege | Cash Back Mastercard |
| Cash Back Lovers | Cash Back Preferred World Elite | Cash Back Mastercard | Avion Cards |
| Students/Newcomers | ION Visa | Cash Back Mastercard | Avion Infinite Privilege |
| Luxury Seekers | Avion Infinite Privilege | Avion Infinite | ION Visa |
How to apply step-by-step
Applying for an RBC credit card is simple and user-friendly. Here’s a quick breakdown of the process:
- Visit RBC’s official credit card page and browse by spending style or reward type.
- Select your desired card and click “Apply Now.” You’ll be redirected to a secure online form.
- Enter personal information including name, SIN (optional), employment details, and income.
- Submit the application. Most applicants receive instant decisions, while some may take 1–2 business days.
- If approved, your card will arrive within 5–10 business days. Setup mobile wallet options for fast purchases.
Expert insights on choosing the right RBC card
Don’t just chase points—match the card’s reward structure to your actual monthly spending. That’s how you maximize value without overspending.
— Lisa Tran, Personal Finance Coach
RBC’s Avion ecosystem now offers more redemption flexibility than ever before. These changes make it a top choice among diversified travelers.
— Jordan Leblanc, Credit Industry Analyst
Young Canadians should look into the ION series – they’re great starter cards with solid earn rates and zero fees.
— Priya Saini, Millennial Money Expert
Frequently asked questions
What is the best RBC credit card for travel?
The RBC Avion Visa Infinite is widely regarded as the top travel card thanks to its strong earn rates, flexible Avion Rewards program, and travel insurance coverage.
Can I downgrade or upgrade between RBC cards?
Yes, RBC allows you to switch between cards in their product lineup—such as from an Avion Infinite to a Cash Back card—without reapplying. Contact customer service to request a product switch.
How do I use RBC Rewards points?
You can redeem points for travel, gift cards, merchandise, bill credits, or even investments into your RBC Direct Investing account via the Avion Rewards platform.
Is there an RBC credit card with no foreign transaction fees?
Currently, none of the personal RBC credit cards fully waive foreign transaction fees. However, some cards offer competitive exchange rates and travel perks that can offset foreign fees.
Which RBC card works best for groceries and gas?
The RBC ION Visa offers elevated rewards on groceries and gas with no annual fee, making it a cost-efficient choice for daily spenders.
Related Posts
