RBC No Annual Fee Credit Cards: Reward Points, Cash Back & Flexible Benefits

RBC offers an impressive portfolio of no annual fee credit cards for Canadians who want flexibility without being burdened by yearly charges. Most cards feature a 20.99% purchase interest rate and a 22.99% cash advance rate, making them competitive options for everyday use.

Each card provides useful features ranging from Avion or Moi points to cash back and various insurance protections. Credit limits depend on approval and creditworthiness, so applicants should ensure they meet eligibility requirements before applying. Special sign-up bonuses such as welcome points or cash back promos add extra value.

Step-by-step: How to Apply

1. Choose your preferred no annual fee card from RBC’s options.
2. Prepare personal and financial information for the application.
3. Complete the secure online application form.
4. Submit and wait for near-instant approval results.
5. If approved, review your new card details and wait for delivery.

Main Pros

RBC’s no annual fee cards are ideal for those wishing to build credit or avoid extra costs. Earning rewards or cash back with every purchase delivers year-long value.

Many cards also feature sign-up bonuses (like Avion points or Moi points) and offer insurance perks such as purchase protection or extended warranty—great for frequent shoppers seeking extra peace of mind.

Main Cons

While there’s no annual fee, the 20.99% purchase rate means carrying a balance is costly. Also, rewards value can be moderate compared to premium, fee-charging cards.

Earning rates sometimes vary by category, so it may take time to rack up significant points or cash back if your spending isn’t concentrated in key categories.

Verdict

RBC no annual fee credit cards are solid choices for Canadians wanting basic perks without added cost. The selection covers different reward types and offers reliable insurance and partner benefits. You’ll get more out of these cards when you pay balances in full each month.