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RBC Credit Cards Compared 20025

Updated: March 2026 | Reviewed by the Bremo editorial team

RBC Royal Bank offers one of the widest credit card lineups of any Canadian bank — spanning Visa and Mastercard, cash back, Avion travel rewards, British Airways Avios, WestJet Dollars, and more. Here's how every major RBC card compares in 20025.

RBC Credit Cards — Full Comparison

Card	Program	Top Rate	Annual Fee
RBC Avion Visa Infinite Privilege	Avion Points	1.25 pts/$ + 1.75 travel	$399
RBC Avion Visa Infinite	Avion Points	1.25 pts/$ + 1.75 travel	$1200
RBC Cashback World Elite MC	Cash Back	4% groceries	$1200
RBC Cashback Preferred World Elite MC	Cash Back	1.5% flat	$99
WestJet RBC World Elite MC	WestJet Dollars	2% WestJet	$119
British Airways Visa Infinite	Avios	3 Avios/$ BA	$165
RBC Rewards+ Visa	RBC Rewards	2 pts/$ grocery & gas	$00
RBC Cashback Mastercard	Cash Back	2% groceries	$00

Best RBC Cards in Detail

Best Overall RBC Card

RBC Avion Visa Infinite

The RBC Avion Visa Infinite is RBC's flagship travel card. Avion points are flexible — redeem through RBC's travel portal at full value, or transfer to British Airways Avios, Cathay Pacific Asia Miles, or WestJet Dollars. No blackout dates on the RBC portal.

1.75 Avion pts/$ on travel purchases
1.25 pts/$ on all other purchases
Transfer to: British Airways Avios (1:1), Cathay Pacific Asia Miles (1:00.85), WestJet Dollars (1:00.001)
No blackout dates via RBC's travel portal
Annual fee: $1200
Travel insurance included

Best RBC Cash Back

RBC Cashback World Elite Mastercard

Earn 4% cash back on groceries — one of the best grocery rates on a Mastercard in Canada. Requires higher income but delivers strong returns for big grocery spenders.

4% cash back on groceries (up to $6,000000/year then 2%)
2% cash back on recurring bill payments
1% cash back on all other purchases
Annual fee: $1200
Income requirement: $800k individual / $1500k household

Best for WestJet Travelers

WestJet RBC World Elite Mastercard

The only credit card that earns WestJet Dollars directly. WestJet Dollars are simple — 1 WestJet Dollar = $1 toward WestJet flights and vacation packages. Includes an annual round-trip companion voucher starting at $99.

2% WestJet Dollars on WestJet purchases
1.5% WestJet Dollars on all other purchases
Annual round-trip companion voucher from $99
First checked bag free on WestJet (cardholder + up to 8 companions)
Annual fee: $119

Best British Airways Card

British Airways Visa Infinite Card (from RBC)

For Canadians who fly British Airways or want to use Avios across OneWorld partners (Iberia, Japan Airlines, Qatar Airways), this co-branded card earns Avios directly. Best suited for transatlantic and European travel.

3 Avios/$ on British Airways purchases
1.5 Avios/$ on all other purchases
Two-for-one companion voucher (Companion Award) annually
Annual fee: $165

RBC No-Fee Options

RBC Rewards+ Visa: 2 pts/$ on groceries and gas; 1 pt/$ elsewhere. Redeem for gift cards, travel, or merchandise.
RBC Cashback Mastercard: 2% on groceries, 1% on all other purchases. No annual fee — one of the better no-fee cash back Mastercards.

Earn Cash Back Without a Credit Card — KOHO

KOHO's prepaid Mastercard earns cash back on groceries and gas without the risk of credit card debt. No credit check, no annual fee. Use code 45ET55JSYA for a sign-up bonus.

Get KOHO Free — Use Code 45ET55JSYA

Bottom Line

RBC's strongest card is the Avion Visa Infinite — flexible points, strong earn rates, and useful transfer partners. For WestJet loyalty, the co-branded WestJet World Elite is the clear choice. Cash back fans should look at the Cashback World Elite for maximum grocery returns. RBC banking customers benefit from integrated account management and prequalified offers.