Royal Bank of Canada (RBC), also known as RBC, presents a diverse array of over 20 credit cards, available through both Mastercard and Visa networks. These cards offer a broad spectrum of features catering to various preferences, including cash back, travel rewards, and low interest rates.
Navigating through this extensive selection can be overwhelming, but fear not—we’re here to help you cut through the clutter. Below, we’ve highlighted RBC’s top credit cards across different categories, shedding light on their respective strengths and weaknesses. Whether you’re seeking cash back, travel rewards, or favorable interest rates, you’ll find a standout option tailored to your needs within RBC’s credit card lineup.
To initiate the application process for an RBC credit card, simply click the ‘Apply Now’ button situated below the credit card that aligns best with your requirements on our website. This will redirect you to RBC’s official application page, where you’ll be prompted to complete an application form. The form will request your personal and financial particulars, including your name, address, income, and employment details. Once you’ve filled out the form, you can submit your application online.
Alternatively, if you prefer different application methods or have specific inquiries, RBC offers the following options:
In-person: Visit an RBC branch to apply for a credit card in person. This approach allows you to interact directly with a bank representative who can assist you through the application process and address any queries you may have.
Over the phone: Opt for applying over the phone, where you can complete the application from the comfort of your home while engaging in a direct conversation with an RBC representative.
Regardless of the method you choose, ensure you have all necessary information and documentation readily available to facilitate a seamless application process.
For Money.ca, our top choice among RBC credit cards is the Avion Visa Infinite due to its moderate annual fee, straightforward earning structure, and versatile rewards. However, determining the “best” RBC credit card largely hinges on your individual financial circumstances, spending patterns, and priorities. RBC offers a diverse array of credit cards, each tailored to different consumer needs.
When making your selection, consider these key factors:
Annual Fee: Evaluate whether the benefits and rewards offered justify the annual fee, as some cards may have higher fees but provide enhanced perks.
Interest Rates: If you anticipate carrying a balance, pay attention to the interest rates associated with each card to minimize interest costs.
Rewards: Choose a card that aligns with your preferences, whether it’s cash back, travel points, merchandise, or other rewards, based on your anticipated usage.
Additional Benefits: Look for supplementary features such as insurance coverage, extended warranty protection, and exclusive offers that complement your lifestyle and needs.
To ensure you have the most up-to-date information, review the latest cardholder agreements and terms and conditions directly from RBC’s website or contact them directly. Credit card offerings and features can evolve over time, so staying informed is essential.
Here’s a concise guide on how to pay your RBC credit card from another bank online:
To avoid late payment fees or charges, ensure that you make your payment well before the due date, considering the processing time. If you encounter any difficulties or have questions, contact your bank’s customer service for assistance.
Note: Payments made on weekends or holidays may experience delays in processing. Banks generally process transactions on business days, so payments made on a Friday evening might not be processed until the following Monday.
To ensure timely processing, it’s essential to make your credit card payments well ahead of the due date, particularly when paying from an external bank. Late payments can incur fees and negatively impact your credit score.
The required credit score for an RBC (Royal Bank of Canada) credit card can vary depending on the specific card you are applying for. Credit card issuers like RBC generally do not publish the exact credit score requirements for their cards, but here is a general guideline:
It’s important to note that the credit score is not the sole factor considered in credit card applications. Banks also evaluate factors such as income, employment status, debt-to-income ratio, and credit history. A lower credit score might be acceptable if other aspects of your financial profile are strong.
If you’re unsure about your credit score or eligibility for an RBC credit card, consider contacting RBC directly or checking your credit score through a reputable credit bureau or free credit score service. Additionally, applying for a card that aligns with your current credit profile can improve your chances of approval.
RBC boasts a vast array of credit card options within the Canadian banking landscape, offering numerous possibilities for potential cardholders. While it’s tempting to gravitate toward RBC due to familiarity, it’s essential to guard against brand bias. Just because RBC is a familiar name doesn’t automatically mean it has the ideal credit card for your needs.
If none of the RBC cards listed here resonate with you, it’s worth exploring other options. Navigate to the menu on the top left of your screen and peruse our comprehensive lists of the top credit cards in Canada from various banks and issuers, including RBC and its competitors. By widening your search beyond one bank, you can find the credit card that aligns best with your financial goals and lifestyle.
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