Your Guide to the Best RBC Credit Cards

Posted on January 19, 2021

Every Canadian has heard of or even dealt with the Royal Bank of Canada (RBC) at some point in their life. It is one of the biggest banks in Canada and has around 17 million happy clients that are impressed with RBC's offerings. 

If you are wondering which is the best RBC credit card for you to apply for, then there's good news. RBC has a plethora of credit cards to choose from, which means that there's a card for everyone, no matter their needs, desires, or wants. 

Read on to see what your RBC credit card options are and how you can start the Royal Bank credit card inquiry process now. 

What Is the Best RBC Credit Card?

RBC has many outstanding credit cards to choose from, so it's hard to answer the question of which is the 'best' one out of them all. It truly depends on your circumstances and needs. 

Each credit card comes with its bonuses, as will be illustrated below. Depending on whether you are interested in travel rewards, or cash back rewards, a different RBC credit card would suffice. 

Signature RBC Rewards Visa Credit Card

For anyone who travels a lot, this RBC Signature Visa credit card is a great deal. Not only do you earn RBC Rewards on everything you buy, but it's a low annual fee card, free for RBC Signature No Limit Banking clients. 

It has great insurance benefits, like car rental, purchase security, extended warranty, and more. Each dollar you spend on this card will garner you $1 in RBC Rewards points, which you can easily translate into travel by booking travel rewards instantly.

It also comes with travel insurance, which is definitely a bonus for those who travel a lot, especially cross-border. 

As with all RBC credit cards, the application process is quite easy. All you need to do is go online to their website and inquire about your eligibility. You can get a response back in less than 60 seconds.

RBC U.S. Dollars Visa Gold Credit Card 

If you are the kind of person who does quite a bit of cross-border travel, then this is the card for you, especially if your primary destination is our neighbour down south. 

The great advantage of this card is that you can shop in U.S. Dollars, thus avoiding the daily currency fluctuations. You don't have to wonder if something is going to end up costing you a lot more in exchange rates and currency exchanges. 

As with the RBC business card above, you can earn 1 RBC Rewards point for every $1 you spend. And it comes with extensive insurance coverage, including trip cancellation insurance and 24/7 travel assistance services. 

You never have to worry when you go down south ever again. The annual fee for this card is USD 65. 

RBC Avion Visa Infinite

The annual fee on this card is a bit steeper than the other ones at CAD 120, but it's worth it if you are a frequent flyer and like to use your credit card everywhere you travel. 

You get 15,000 Welcome points to start with, which is going to be a great beginning to all those travel rewards points you will gather up on this best RBC credit card option.

If that weren't enough, there's more. With this card, there are no blackout periods ever and no seat restrictions, which means more than ever you can travel in style, and without any fear of booking too late.

As with both cards above, you earn 1 RBC Rewards point for every $1 you spend.

RBC Credit Cards With Cash Back

There are many RBC credit cards with cash back options. You can get up to 2% cash back on various purchases, like groceries and more. The more you spend, the more cash back you receive.

RBC Cash Back Preferred World Elite Mastercard

If you believe that you should always have a Visa credit card and a Mastercard because some vendors take one or the other, then this card is for you. 

The more you spend, the more cash back you get, without limits, at the rate of 1.5% on all purchases, no matter how big or small.

Also, if you've ever been frustrated at the poor quality of the Wi-Fi at some international airports or locations, you are in luck yet again. You get access to a complimentary Boingo Wi-Fi account with this option for the best RBC credit card. 

The annual fee for this card is $99, so it's highly affordable considering all the benefits it comes with.

As with all RBC credit cards, you can add on a second cardholder quite easily for free on this card (some RBC credit cards have a fee to add a second cardholder — check the card details for more). 

How Do I Redeem My RBC Cash Back?

Every time you use your RBC Cash Back card, you can earn money back at up to 2% of the purchase (depending on the card), no matter the purchase. If you use your card every day for all sorts of purchases, the cash back rewards could really add up. 

You can also get cash back rewards on any kind of membership or subscription purchase, so put all your recurring payments on your cash back credit card and watch the cash back rewards grow effortlessly. 

You can either wait until January when your cash back is credited automatically into your account, or you can ask for the cash back to be credited to your account once it reaches $25. Remember that your cash back rewards do not expire, ever!

Royal Bank Credit Card Inquiry General FAQs

At RBC, Credit card inquiry is for credit card statement inquiries only.

Can you access other bank account statements through credit card inquiry?

No, you cannot; only credit card statements can be accessed.

Can you pay bills or transfer funds through credit card inquiry?

No, you cannot. You would need to access online banking for that. 

You can view any of your personal credit card accounts with a Royal Bank credit card inquiry. You can see a listing of all transactions from your last statement, up to a limit of 2,000 transactions. 

It's a free service that is provided by RBC. For any other inquiries or statements for other bank accounts, please access your online banking account or telephone banking by calling RBC's toll-free number.

Choose the Best RBC Credit Card to Suit Your Needs

There are many options with RBC credit cards, as you can see, which means you can choose the best RBC credit card for you and your specific needs. 

You can apply online for these cards safely and securely and get approved in a matter of minutes or seconds. No need to wait for months to be told you qualify. 

As a frequent traveler, you are most definitely aware of the importance of having travel insurance. As a top broker, we at Insurdinary, within minutes, will source the best travel insurance for you and or your family as we deal with all of the major Insurance companies across Canada  If you are interested in getting the best rate for insurance coverage and other offers in Canada, please reach out to us to get a quote.

Next Post:
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram