Why Choose an RBC Credit Card?

1. Trusted Financial Institution

RBC is one of Canada’s largest banks, with over 150 years of experience. It’s a name you can trust, backed by strong customer service and robust security.

2. Competitive Rewards Programs

Earn cash back, travel points, or even Aeroplan® miles—depending on the card. Many RBC cards offer welcome bonuses worth hundreds in value.

3. Flexible Payment Options

Choose from low-interest, no annual fee, or premium cards with extensive benefits. Options for every credit profile, including secured cards for building credit.

4. Strong Security & Fraud Protection

RBC uses advanced encryption, real-time fraud monitoring, and zero-liability protection to keep your account safe.

5. Convenient Digital Experience

Apply online in minutes, manage your card via the RBC Mobile app, and access 24/7 customer support.

Types of RBC Credit Cards

RBC offers several categories of credit cards. Here’s a breakdown of the most popular options:

🏆 Cash Back Credit Cards

• RBC Cash Back Mastercard® – Earn up to 1% cash back on all purchases, with bonus categories like groceries and gas.
• RBC Avion Visa Infinite® – Flexible travel rewards with no blackout dates; earn points on every purchase.
• RBC ION+ Visa* – No Annual Fee – Up to 3% cash back on groceries, 2% on gas, and 1% on everything else.

✈️ Travel Rewards Credit Cards

• RBC Avion Visa Infinite – Earn 1.25 points per $1 spent; redeem for flights, hotels, or statement credits.
• RBC Aeroplan Visa Infinite* – Earn Aeroplan points on every purchase; includes travel insurance and priority boarding.
• RBC British Airways Visa Infinite Card – Ideal for international travelers; earn Avios points and enjoy travel perks.

💳 Low-Interest & Balance Transfer Cards

• RBC RateAdvantage® Visa* – Low Rate Option – One of the lowest purchase interest rates in Canada (as low as 11.99%).
• RBC No Limit Banking® Visa* – Low Rate Option – Combines low interest with everyday banking benefits.

🛡️ Secured & Credit-Building Cards

• RBC No Limit Banking® Visa* – Secured – Requires a security deposit; helps build or rebuild credit.
• RBC Visa Classic Low Rate Option – Lower credit limits for new borrowers.

💎 Premium & Elite Cards

• RBC Avion Visa Infinite Privilege* Card – Higher rewards, lounge access, and concierge services.
• RBC Visa Infinite* Card – Travel insurance, purchase protection, and extended warranty.

Eligibility Requirements to Apply for RBC Credit Card

To apply for an RBC credit card online, you must meet the following criteria:

📋 Basic Eligibility

• Be a Canadian resident (or have a valid Canadian mailing address).
• Be the age of majority in your province or territory (18 or 19, depending on location).
• Have a valid Social Insurance Number (SIN).
• Have a Canadian credit history (or be building credit with a secured card).

💳 Credit Score Expectations

• Good Credit (660+): Eligible for most cards, including rewards and premium options.
• Fair Credit (600–659): May qualify for entry-level or secured cards.
• Poor Credit (<600): Consider a secured card or credit-building product.

📄 Required Documents

Have these ready when you apply for an RBC credit card online:

• Government-issued ID (e.g., driver’s license, passport)
• Proof of address (utility bill, bank statement)
• SIN (for credit check)
• Employment and income details (for higher-tier cards)

How to Apply for an RBC Credit Card Online (Step-by-Step)

Applying for an RBC credit card online is fast, secure, and can be completed in under 10 minutes. Follow these steps:

✅ Step 1: Choose Your Card

Visit the RBC Credit Cards page and compare features, rewards, and fees. Use the RBC Card Selector tool to find the best match based on your spending habits and goals.

✅ Step 2: Check Pre-Approval (Optional)

RBC offers a pre-approval tool on their website. Enter basic info (name, email, income) to see which cards you may qualify for—without affecting your credit score.

✅ Step 3: Gather Your Information

Prepare:

• Personal details (name, date of birth, SIN)
• Contact information (address, phone, email)
• Employment and income (gross annual income)
• Existing debts or monthly obligations (optional but helpful)

✅ Step 4: Start the Online Application

Go to RBC Credit Card Apply Online and select your card. Click “Apply Now.”

✅ Step 5: Fill Out the Application Form

The form will ask for:

• Personal identification
• Residential and mailing address
• Employment status and income
• Existing credit accounts (if any)

Be accurate—errors can delay approval.

✅ Step 6: Agree to Terms & Submit

Review the terms and conditions, including interest rates, fees, and rewards details. Check the box to consent to a credit check. Click “Submit.”

✅ Step 7: Wait for Approval

Most applicants receive a decision within 60 seconds to a few minutes. If approved, your card number will be displayed online, and your physical card will arrive in 7–10 business days.

If you’re not approved, RBC will send a letter explaining why and suggest next steps.

✅ Step 8: Activate Your Card

Once received, activate your card via the RBC Mobile app or by calling the number on the sticker. Set up online banking and download the app for full control.

RBC Credit Card Rewards Comparison: Find the Best Card for You

Not sure which RBC card is right for you? Use this comparison to decide:

💡 Which Card Should You Choose?

• If you want cash back with no fee: RBC Cash Back or ION+
• If you travel often: RBC Avion Visa Infinite or Aeroplan Visa Infinite
• If you carry a balance: RBC RateAdvantage Visa
• If you have poor credit: RBC No Limit Banking Visa – Secured

Texas State Health RBC Credit Card: Special Benefits

RBC partners with Texas State Health to offer exclusive credit card benefits to members of this organization. These cards combine RBC’s financial strength with tailored perks for healthcare professionals and employees.

🏥 What is Texas State Health?

Texas State Health provides health benefits and financial wellness programs to state employees, teachers, and public servants in Texas. RBC is a preferred financial partner, offering customized credit solutions.

🎁 Exclusive Perks of Texas State Health RBC Credit Cards

• Discounted Annual Fees: Some RBC cards may offer reduced fees for Texas State Health members.
• Priority Customer Service: Dedicated support lines for state employees.
• Healthcare Spending Rewards: Earn bonus points on medical, pharmacy, and wellness purchases.
• Wellness & Financial Wellness Programs: Access to RBC’s financial literacy tools and health savings resources.
• Group Benefits Integration: Link your card to your health benefits account for seamless reimbursements.

📝 How to Apply for a Texas State Health RBC Credit Card

The application process is the same as for any RBC card, but you’ll need to:

1. Verify your Texas State Health membership during the application.
2. Use a special promo code (if available) at checkout for member discounts.
3. Contact Texas State Health or RBC directly to confirm eligibility and benefits.

For more info, visit the Texas State Health website or call RBC’s dedicated support line for state employees.

Pro Tips for a Successful RBC Credit Card Application

✅ Tip 1: Check Your Credit Score First

Use a free service like Borrowell or Credit Karma to check your score before applying. If it’s below 660, consider a secured card or improving your credit first.

✅ Tip 2: Apply for One Card at a Time

Multiple hard inquiries in a short period can lower your credit score. Space out applications by 3–6 months.

✅ Tip 3: Use the Pre-Approval Tool

RBC’s pre-approval tool uses a soft credit check—it won’t hurt your score and gives you a good idea of approval odds.

✅ Tip 4: Be Honest About Income

Underreporting income can lead to higher interest rates or denial. Use your gross annual income, including bonuses or side income.

✅ Tip 5: Pay Down Existing Debt

A lower credit utilization ratio (under 30%) improves approval chances and may qualify you for better terms.

✅ Tip 6: Consider a Secured Card If Needed

The RBC No Limit Banking Visa – Secured is a great way to build credit if you’ve been denied before.

✅ Tip 7: Read the Fine Print

Watch for annual fees, foreign transaction fees, and penalty APRs. Some “no fee” cards have hidden costs.

Frequently Asked Questions (FAQs) About Applying for RBC Credit Cards

❓ How long does it take to get approved for an RBC credit card online?

Most applicants receive an instant decision (within 60 seconds to 2 minutes). If additional verification is needed, it may take up to 5 business days.

❓ Can I apply for an RBC credit card with bad credit?

Yes. The RBC No Limit Banking Visa – Secured is designed for individuals with poor or limited credit history. A security deposit is required.

❓ Is there a fee to apply for an RBC credit card?

No. Applying online is free. However, some cards have annual fees (e.g., $120 for Avion Visa Infinite).

❓ Can I apply for an RBC credit card if I’m not a Canadian citizen?

Yes, as long as you have a valid Canadian mailing address and SIN. Permanent residents and work permit holders may qualify.

❓ What happens if my RBC credit card application is denied?

RBC will send a letter explaining the reason (e.g., low income, high debt, poor credit). You can reapply after 6 months or improve your profile.

❓ How do I check the status of my RBC credit card application?

Log in to your RBC online banking account or call RBC Customer Service at 1-800-769-2555. You’ll need your application reference number.

❓ Can I use my RBC credit card immediately after approval?

You’ll receive a temporary card number online for immediate use in-store or online. Your physical card arrives in 7–10 business days.

❓ Are RBC credit cards accepted internationally?

Yes. All RBC Visa cards are widely accepted worldwide. Some cards charge a 2.5% foreign transaction fee—check your card details.

❓ Can I add an authorized user to my RBC credit card?

Yes. Most RBC cards allow you to add authorized users for a small annual fee. They’ll receive their own card with spending limits you set.