RBC Rewards Credit Cards: Compare Avion, More Rewards, and Moi Cards Highlights

RBC Royal Bank offers a variety of rewards credit cards for Canadians, with flexible point-earning potential and competitive offers. The Avion, More Rewards, and Moi product lines target different spending habits and lifestyles. Currently, new applicants can benefit from welcome bonuses up to 14,000 Avion points ($100 in gift cards value), no or low annual fees, and a standard purchase interest rate of 20.99% (22.99% cash advance). Many cards have no additional cardholder fee, and some even offer annual fee rebates for students or young adults.

How to Apply for an RBC Rewards Credit Card

1. Review card options to match your lifestyle and routine spending.
2. Calculate potential rewards using online tools before applying.
3. Start the application securely online and provide the required documents.
4. Wait for instant approval, in most cases under a minute.
5. Begin using your new card and earning points after activation.

Key Advantages of RBC Rewards Cards

One major advantage is the flexibility to redeem points for travel, merchandise, gift cards, or even credit card payments.

Cards like the RBC ION+ offer boosted earning rates on essentials like groceries and gas, supporting families or individuals with everyday spending.

Bonus welcome offers help maximize early value for new cardholders, effectively reducing the first year’s net cost.

Considerations and Drawbacks

The purchase rate of 20.99% is standard, so carrying a balance month to month can lead to high interest charges over time.

Certain cards do have modest annual fees, which may deter users seeking a completely no-fee experience or those with low annual spending.

Our Verdict

RBC Rewards credit cards are a top choice for Canadian consumers looking for versatile redemption and a user-friendly application process.

The bonus offers and generous point multipliers make these cards suitable for diverse lifestyles and budgets.