{"id":85844,"date":"2024-03-26T14:30:29","date_gmt":"2024-03-26T18:30:29","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=85844"},"modified":"2024-05-31T09:16:40","modified_gmt":"2024-05-31T13:16:40","slug":"best-travel-credit-card-canada","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-travel-credit-card-canada\/","title":{"rendered":"6 Tips to Choose the Travel Credit Card That&#8217;s Best for You"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">6 Tips to Choose the Travel Credit Card That&#8217;s Best for You<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz04OGEwNDc4NGRiZTkxMWVlYTllZjA2NmQzNDk4YmEzNQ.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Beach vacation getaway with an iced drink, sunglasses and a hat\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz04OGEwNDc4NGRiZTkxMWVlYTllZjA2NmQzNDk4YmEzNQ.jpg 7952w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz04OGEwNDc4NGRiZTkxMWVlYTllZjA2NmQzNDk4YmEzNQ.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz04OGEwNDc4NGRiZTkxMWVlYTllZjA2NmQzNDk4YmEzNQ.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz04OGEwNDc4NGRiZTkxMWVlYTllZjA2NmQzNDk4YmEzNQ.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz04OGEwNDc4NGRiZTkxMWVlYTllZjA2NmQzNDk4YmEzNQ.jpg?resize=1536,1025 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz04OGEwNDc4NGRiZTkxMWVlYTllZjA2NmQzNDk4YmEzNQ.jpg?resize=2048,1366 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=6 Tips to Choose the Travel Credit Card That&#8217;s Best for You &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-travel-credit-card-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-travel-credit-card-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published March 26, 2024 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p><strong>Love to travel? A travel credit card can be a valuable addition to your wallet. It offers the chance to earn points towards flights, vacations, hotel stays and more. See how a travel credit card can make traveling easier and help you reach your dream destination sooner.<\/strong><\/p>\n\n\n\n<p>There are many <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html\" data-dig-id=\"LP-85844-33e8a857\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"travel credit cards\" class=\"rbc-link-format\">travel credit cards<\/a> on the market today. Each one has unique benefits, features, and fees. While they all have their merits, it can be hard to figure out how to choose the best credit card for travelers.<\/p>\n\n\n\n<p>Here are some considerations to help you choose a travel card that works for you and your lifestyle. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. The type of traveling you do<\/h2>\n\n\n\n<p>Do you have a preference for a certain type of airline, or are you open to traveling on different carriers? Do you prefer to book first class or business class and like the luxury of an airport lounge? Do you tend to book your trips far in advance, or are you more of a last-minute traveler? Each of these factors can influence the travel credit card you choose. Here\u2019s why:&nbsp; <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Some cards are dedicated to one airline. If you always fly with that carrier, it may be worth choosing a card that has benefits specific to that airline.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Some points programs have a booking window \u2013 for example, you must book more than two weeks in advance to fly on points. With others, the number of points you need increases the closer you get to the departure date.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Some cards offer luxury travel benefits, such as flight vouchers for a companion, access to seat upgrades, airport lounge passes and concierge services.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2. Not all points hold the same value<\/h2>\n\n\n\n<p>With most travel cards, you earn points based on how much you spend on your card. But there are often extra factors to keep in mind:&nbsp; <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>The value of points when redeemed: Most card providers offer a lot of points upfront when you sign up. But sometimes, when you redeem those points, they may not be worth exactly what you think. Make sure to do your research to understand the value of ALL points earned on the card.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A fixed travel redemption grid: It is really helpful if your travel credit card offers a <a href=\"https:\/\/www.avionrewards.com\/travel\/redemptionSchedule.html\" target=\"_blank\" data-dig-id=\"LP-85844-079bb621\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"fixed redemption travel grid\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">fixed redemption travel grid<\/a>. This means your flight costs will not fluctuate and the points needed to fly stay the same, even during peak travel periods.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The earn rate: Some cards offer \u201caccelerators\u201d on specific categories such as gas, groceries or travel. This means, you earn more than the standard earn rate when you spend in these areas. When selecting a card, consider whether those accelerators align with your spending habits.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>What\u2019s more, welcome points can be awarded differently. For instance, with some cards you receive welcome points upon approval, but with others you receive most of these points at the six-month mark of your anniversary. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Your travel insurance needs<\/h2>\n\n\n\n<p>It\u2019s really important to understand the coverage that comes with the credit card you choose. Some cards will cover you while you travel if the trip was booked on your card, offering protection if you have to cancel your trip at the last minute, have a medical issue while away or a flight delay causes you to miss a connection. If insurance such as trip cancellation, trip delay and travel medical are important to you \u2013 and included with your travel card \u2013 you can save money by not having to purchase this insurance separately.<\/p>\n\n\n\n<p>As different credit cards come with different insurance benefits, be sure to take the time to understand the fine print when choosing a travel credit card. <\/p>\n\n\n\n<div class=\"wp-block-group block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-compare-travel-credit-cards\">Compare Travel Credit Cards<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l\">Browse and compare a variety of different travel credit cards.<\/p>\n\n\n\n<div class=\"wp-block-buttons mar-b-hlf is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html\" data-dig-id=\"LP-85844-2e3177bc\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Travel Credit Cards-https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html \">Travel Credit Cards<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/credit-card-reward-points-calculator\/\" data-dig-id=\"LP-85844-ad882c54\" data-dig-label=\"Travel Rewards Calculator\" data-dig-action=\"link click\" data-dig-category=\"LP\">Travel Rewards Calculator<\/a><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">4. A robust loyalty program outside of travel<\/h2>\n\n\n\n<p>While travel credit cards are set up to help you save money on travel, many also offer a choice in rewards that extends beyond flights and hotels. After all, there may be times when you don&#8217;t want to use your points for travel, so having a <a href=\"https:\/\/www.avionrewards.com\/travel\/index.html\" data-dig-id=\"LP-85844-928dc642\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"flexible loyalty program\" class=\"rbc-link-format\">flexible loyalty program<\/a> that offers other options such as merchandise, cash back, gift cards and more means your points will always be worth something to you. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. The annual fee<\/h2>\n\n\n\n<p>Some people don\u2019t fully explore the additional benefits they get by paying an annual fee and therefore don\u2019t realize they could still come out ahead, even when factoring in the cost of the fee.The reality is, an annual fee could more than pay for itself with the value you get from the card. That\u2019s because the fee is typically related to the points you earn, the redemption options available to you and the insurance coverage included.<\/p>\n\n\n\n<p>Whether the benefits of the card outweigh the fee will depend on how you use your card. In most cases, however, if you travel once a year you will make up the annual fee with the money you save on travel insurances alone. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Income requirements<\/h2>\n\n\n\n<p>Some travel credit cards come with minimum income requirements (this can be personal or household income) in order to qualify. The more exclusive the card, generally the higher the income level. Others come with no income specifications. So, if you&#8217;re just starting out, are self-employed or earn a lower income, there are options for you!<\/p>\n\n\n\n<p>Overall, travel credit cards can be very rewarding. With every purchase, you can be one step closer to a dream vacation or that weekend getaway. Because there are so many travel credit cards out there, odds are there&#8217;s a credit card that&#8217;s best for you.<\/p>\n\n\n\n<p>Still not sure and want help choosing? Try the <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html\" data-dig-id=\"LP-85844-faf4a463\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Card Selector Tool\" class=\"rbc-link-format\">RBC Card Selector Tool<\/a> to compare the full suite of travel credit cards RBC offers.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-0c981853-84e0-43cc-989e-4e2049bb3c44\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=6 Tips to Choose the Travel Credit Card That&#8217;s Best for You &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-travel-credit-card-canada\/\">\n        <img decoding=\"async\" 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id-ee8d5c33-adc1-4750-b075-ca6d3d8a25ec\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Banking\/ Digital banking<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Credit and Debt<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Managing Money<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg 2121w, 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/should-you-increase-your-credit-card-limit\/\" class=\"card-title h4 mar-t-0\">Should You Increase Your Credit Card Limit?<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"women on mobile phone reviewing paper work to understand credit card balance transfers\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg 4901w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/understanding-your-credit-card-balance\/\" class=\"card-title h4 mar-t-0\">Understanding Your Credit Card Balance\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"3 females enjoying a coffee at a coffee shop while paying using her credit card\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg 7008w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/the-advantages-of-having-a-credit-card\/\" class=\"card-title h4 mar-t-0\">The Advantages of Having a Credit Card\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-0c981853-84e0-43cc-989e-4e2049bb3c44 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-0c981853-84e0-43cc-989e-4e2049bb3c44 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-ee8d5c33-adc1-4750-b075-ca6d3d8a25ec {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-ee8d5c33-adc1-4750-b075-ca6d3d8a25ec {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Discover the key factors that can help you choose a travel credit card that is best for you. <\/p>\n","protected":false},"author":80,"featured_media":85847,"parent":85747,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[62,510,520],"rbc_content_type":[31],"rbc_audience":[49],"rbc_lob_group":[50],"rbc_difficulty_level":[33],"rbc_mmm_category":[319,304,569],"class_list":["post-85844","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-banking-digital-banking","tag-credit-and-debt","tag-managing-money","rbc_content_type-article","rbc_audience-students","rbc_lob_group-students","rbc_difficulty_level-beginner","rbc_mmm_category-credit-and-borrowing","rbc_mmm_category-money-academy","rbc_mmm_category-understanding-credit-cards"],"acf":{"contently_publication_id":"","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- 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