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How Do I Choose the Best Rewards Credit Card?

It depends on the type of rewards you want, how much you use your card and how quickly you’re looking to earn. You can collect points for travel, merchandise, gift cards and more, or reward yourself with cash back credits. Either way, we’ve got an option for you.

RBC Rewards+ Visa

  • Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases1
  • Earn 1 RBC Rewards point for every $2 spent on all other purchases1
  • No annual fee
View Card Details
  • Annual Fee: $0
  • Purchase Rate: 19.99%
  • Additional Card: $0
  • Cash Advance Rate: 22.99%

RBC Signature Rewards Visa

  • Low annual fee (no fee for students^ and RBC Signature No Limit Banking® clients*)
  • Earn rewards like a premium card
  • Great insurance benefits—including car rental, purchase security and extended warranty
View Card Details
  • Annual Fee: $39
  • Purchase Rate: 19.99%
  • Additional Card: $0
  • Cash Advance Rate: 22.99%

WestJet RBC World Elite Mastercard

  • Get 250 welcome WestJet dollars1
  • Free first checked bags for the primary cardholder3
  • Get an annual round-trip companion voucher starting at $99 CAD (plus taxes, fees and charges)1
View Card Details
  • Annual Fee: $119
  • Purchase Rate: 19.99%
  • Additional Card: $59
  • Cash Advance Rate: 21.99%

Frequently Asked Questions

Pay with your card and you’ll earn rewards points or cash back credits on your purchases, depending on the card you choose. Redeem your points for travel, merchandise, gift cards and/or financial rewards. If you choose a cash back card, you’ll be rewarded with a cash back credit on your statement.
It depends on the card you choose! Cards that earn:
  • RBC Rewards points can be redeemed for travel, merchandise, gift cards, financial rewards and more
  • Airline rewards like WestJet Dollars, Avios or Asia Miles can be redeemed directly with the airline loyalty program affiliated with your card
  • Cash back rewards are credited to your statement as a cash back credit
No, they do not have an expiry date. However, if your account is closed, you have 90 days to redeem any remaining points before they are no longer valid. To learn more, view the RBC Rewards T&Cs
That depends on the credit card you have and what you want to redeem for. Log into www.rbcrewards.com to discover the possibilities.