Credit Cards

If you use RBC Online Banking or the RBC Mobile app, it’s easy to dispute a transaction. On your credit card transaction page, choose the transaction in question and select “I disagree with this charge.” RBC will review the request and get back to you with an update on your claim within three to five business days.

If you don’t use RBC Online Banking or the RBC Mobile app, you can call 1-800-769-2512 and we’ll be happy to help you.

If you're short on the cash needed to make an important purchase, taking out a cash advance on your credit card is one way to access funds quickly without a new credit check.

Before you proceed however, it’s important to understand that the terms for cash advances on your credit card tend to be quite different from using it to purchase goods and services. Cash advance interest rates are typically higher than credit card purchase interest rates and they start accruing on day one.

There are 3 ways to request a change to the credit limit on your card (subject to qualification and a possible credit check):

• Sign into RBC Online Banking and select your RBC credit card. On the right side of the page, select Change credit limit and follow the instructions
• Call us at 1-800-769-2512
• Visit your local branch

There’s no magic number when it comes to applying for a credit card and it’s not the only detail providers look at. However, a credit history and a score of 660 or higher are helpful. If you’re new to credit – as a student or newcomer, for instance – there are other factors a credit card company may review when approving.

You can check your credit score in a few ways. If you’re an RBC client, you can easily check it for free within Online Banking. You can also check through Canada’s credit reporting agencies, Equifax or TransUnion.

If your credit score is low, there may be ways to improve it. And you may still be able to apply and get a credit card.

If your card has been stolen or permanently lost, call our 24-hour toll-free number 1-800-769-2512. We’ll block the card from future use and issue you a new card.

If you collect Avion points, you can redeem them for travel, merchandise, gift cards and more at https://www.avionrewards.com. If you earn partner program points, such as WestJet, you can redeem directly with the airline loyalty program connected to your card.

Redeeming your cash back is simple with RBC – it is applied as a statement credit directly to your account.

That depends on the card you choose. Some of our cards offer more benefits with an annual fee, while others have no annual fee at all. Browse our no annual fee cards or use our RBC Credit Card Selector Tool to help narrow down the benefits that are most important to you. To see a detailed breakdown of annual fees for all our credit cards, visit our dedicated Annual Fee Comparison page.

If you’re ever a victim of credit card fraud, take a deep breath--you’re ok. Call 1-800-769-2512 and we’ll be happy to help you. Provided you’ve take reasonable precautions to protect your PIN, online account, and your card, you’re covered for any fraudulent charges both online and in-store. For more information, view the Zero Liability policies by Visa and Mastercard.