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Types of Credit Cards

Whether you’re looking to earn cash back on everyday spending, collect travel rewards points, or enjoy student life affordably, RBC offers Canadian credit cards for all those needs and more

Not Sure Which Credit Card is Best for You?

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Use our help me choose tool to find the right card for you.

Compare the Best Credit Cards from RBC

Compare Credit Cards

Compare different types of credit cards to find the one that matches your needs.

Calculate Rewards

Calculate Reward Points Calculate Cash Back

Calculate potential reward points or cash back you can earn.

More Ways to Use Your Credit Card

BalanceProtect is Insurance Coverage For Your Credit Card Balance
Insurance Coverage For Your Credit Card Balance

Help make sure your credit card balance doesn't become a burden to you or your family with simple and affordable job loss, total disability and life coverage.

Instant Fuel Savings at Petro-Canada

Link your eligible RBC credit and debit cards to your Petro-Points card to save on fuel and earn points faster+.

Make Contactless Purchases

Make purchases up to $250 without having to touch a payment terminal.

Top Credit Card FAQs

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.

Learn moreyour card being lost or stolen

You can easily lock and unlock your card through RBC Online Banking or the RBC Mobile app by selecting the card you want to lock and switching the toggle for Lock Card.

Learn more about credit card lock

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 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.

Credit cards are important for things like making hotel reservations, car rentals, or online purchases. They’re convenient and secure, and help give you the freedom to manage your finances, cover unexpected emergencies and also take advantage of rewards and special insurances. They’re also an easy way to establish a credit history! Use our credit card selector to find a card that's right for you and apply online in just a few easy steps.

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 card selector to help narrow down the benefits that are most important to you.

If you collect Avion points, you can easily redeem them for travel, merchandise, gift cards and more at If you earn WestJet dollars, Avios or Asia Miles, you can redeem directly with the airline loyalty program connected to your card.

You can make a payment through any of the methods below:

  • RBC Online Banking
  • RBC Mobile app
  • automated payments (so you’ll never need to worry about making your payment on time)
  • by phone
  • by mail
  • in person at an RBC branch
  • at an RBC Royal Bank ATM

Learn more about how to pay your credit card bill

Call 1-800-769-2512

Top Credit Card FAQs

If you'll be travelling soon and plan to use your credit card or client card, you no longer need to tell us you???ll be away from home. We have industry-leading fraud detection systems that protect you and your accounts from suspicious or unauthorized transactions. Just make sure we have your up-to-date contact information so we can reach you if necessary. To view or update your contact information, sign in to Online Banking and select Profile and Preferences from the Banking tab.

When you make a transaction at a chip-enabled terminal with your RBC Chip and PIN credit card, you're in control. The process is quick and easy and your card should never leave your sight: Rather than swiping your card, it will be inserted into the terminal and left there for the entire transaction. Removing the card will terminate the transaction. You will follow the prompts on the screen and enter your PIN instead of verifying the transaction with your signature. When the transaction is complete, you will remove your card when prompted and wait for the receipt. If the store or restaurant does not yet have a chip-enabled terminal, your card will be swiped and you will sign the receipt as you do today.

Switching to eStatements is easy to do.

  • Log in to RBC Online Banking
  • Select Account Details
  • Select Change Statement Options
  • Select Change next to the accounts listed on the Statement Options page
  • Follow the Statement Option prompts
Find out more about credit card eStatements.

If you???re looking for simple answers to your credit-related questions, visit our Credit Education page. You???ll learn about everything from credit reports and monitoring to credit scores and money management.

To help you get the most from your RBC Credit card, we created this easy-to-understand guide that explains all the sections of your credit card statement.

Authorized Transactions are those that still need to be settled by a retailer or service provider. Most transactions stay authorized for 3-5 days. When a retailer or service provider finishes the work on their end, the transaction will move to Posted Transactions. Posted Transactions are 100% complete. We???ve paid the retailer or service provider and charged the transaction to your credit card. Sometimes you???ll see an Authorized Transaction that doesn???t match the final amount of your purchase. Don???t worry. Some businesses (like gas stations and hotels) ask us to pre-authorize an amount before you???ve finished your purchase. Once we settle the charge, you???ll see the actual amount you spent in your Posted Transactions. If you do see an item in your Posted Transactions that isn???t what you expected, contact us at 1-800-769-2512. We???ll be happy to go through it with you.

To use Visa???s easy, smart and secure online checkout, create an account by adding your RBC VISA Credit Card, Virtual VISA Debit card, or Prepaid card.

When you add extra coverage to your card, you can enjoy great extras like BalanceProtector Insurance, Travel Insurance, RBC Road Assist, and more. Find out more about our Value Added Services.

More Ways to Use Your Card

Discover All Our Partners

Earn Avion points that you can use toward travel, merchandise, gift cards or RBC Financial Rewards.

Instant Fuel Savings at Petro-Canada

Link your eligible RBC credit and debit cards to your Petro-Points card to save on fuel and earn points faster+.

Save Money and Earn Bonus Points

Take advantage of Offers for cash savings and earn bonus Avion points on shopping, travel, and dining.

Insurance Coverage For Your Credit Card Balance

Simple and affordable protection when you need it most.