Royal Bank of Canada Visa® Credit Cards for December 2024 in Canada

RBC Avion Visa Infinite. With 35,000 Avion rewards points, you can secure a roundtrip flight to almost anywhere in Canada and the U.S., with flexibility on airlines and travel times, and even one-way flights starting at just 7,500 Avion points. Сard requires a minimum personal income of $60,000 or a minimum household income of $100,000.

RBC ION+ Visa. Offering 3,500 Welcome Points and an additional 3,500 bonus points upon spending $500 in the first 3 months, this card rewards 3X Avion points on various everyday categories like groceries, gas, dining, and streaming.

RBC ION Visa. Enjoy 3,500 Avion welcome rewards points upon approval, along with earning 1.5X Avion points on purchases including groceries, gas, and streaming, all with no annual fee.

moi RBC Visa. Receive 3,000 welcome Moi points upon your first purchase, and earn double Moi points on dining, gas, and more at select retailers, all with no annual fee.

RBC Visa Classic Low Rate Option. This card offers a low interest rate on grocery store purchases and cash advances, along with purchase security and extended warranty insurance, all at a low annual fee.

RBC Avion Visa Infinite Privilege. A luxury travel credit card offering up to 70,000 Avion points as a limited-time offer, along with exclusive travel benefits and privileges. Сard requires a minimum personal income of $200,000 or a minimum household income of $200,000.

RBC Avion Visa Platinum. Similar to the Infinite version, this card offers 35,000 Avion points for a roundtrip flight within Canada and the U.S., with no blackout dates and flexible flight options.

RBC Visa Platinum. This card comes with no annual fee and premium insurance coverage for car rentals, travel, and eligible purchases, along with emergency travel assistance.

RBC RateAdvantage Visa. Offering a low variable interest rate and no annual fee, this card also includes purchase security and extended warranty insurance.

RBC U.S. Dollar Visa Gold. Designed for transactions in U.S. funds, this card earns Avion points for every U.S. dollar spent, along with extensive insurance coverage.

RBC British Airways Visa Infinite: Receive up to 60,000 bonus Avios, earn Avios on various spending categories, and receive a Companion Award eVoucher with this card.

RBC Avion Visa Infinite Business. Offering 35,000 Avion points and no annual fee for the first year, along with premium insurance and rewards for business spending.

RBC Avion Visa Business. Similar to the Business Infinite version, this card offers no annual fee for the first year, along with Avion points for business spending and no blackout periods.

RBC Visa Business. This flexible and affordable card for businesses comes with a low annual fee and convenient ATM access for account management.

RBC Visa CreditLine for Small Business. Earn Avion points on spending, benefit from a low competitive interest rate, and enjoy no annual fee with this card designed for small businesses.

Identify Your Spending Habits. Begin by analyzing your typical monthly expenses. Use the compare function on the RBC website to view the rewards and benefits offered by different RBC Visa cards and see which ones align with your spending habits.

Consider Your Rewards Preferences. Explore the various rewards programs available through RBC Visa cards, such as travel rewards, cash back, or points-based systems. Use the comparison tool to evaluate which cards offer the most appealing rewards for your lifestyle.

Evaluate Annual Fees and Interest Rates. Utilize the compare function to view the annual fees and interest rates associated with each card side by side. This allows you to assess whether the benefits outweigh the costs and make an informed decision based on your budget.

Review Welcome Bonuses and Promotions. Take advantage of the comparison tool to compare the welcome bonuses and promotional offers available with different RBC Visa cards. This helps you identify cards with enticing introductory rewards that add immediate value.

Examine Additional Card Benefits. Use the compare function to explore the additional benefits provided by each RBC Visa card, such as insurance coverage, purchase protection, and travel perks. This allows you to prioritize cards that offer the most valuable extras for your needs.

Check for Partner Integrations. Utilize the comparison tool to review any partnerships or collaborations associated with RBC Visa cards, such as exclusive discounts or rewards with partner retailers or airlines. This helps you choose cards that offer additional perks aligned with your interests.

Assess Redemption Flexibility. Compare the redemption options available with each RBC Visa card using the website's compare function. Look for cards that provide flexible redemption choices, such as booking travel, redeeming for statement credits, or accessing unique experiences.

Use "Compare Credit Cards" option. Utilize the compare function on the bank website to add up to three RBC Visa cards side by side, allowing for a comprehensive comparison of their features, rewards, fees, and benefits. This enables you to make a detailed assessment and select the card that best suits your financial needs and preferences.

Read Reviews and Compare Options. After narrowing down your choices, read customer reviews and compare the final contenders using the compare function on the RBC website. This allows you to make a well-informed decision based on real user experiences and comprehensive card comparisons.

Consult with an RBC Advisor. If you require further assistance or personalized guidance, schedule a consultation with an RBC advisor. They can offer expert advice tailored to your financial situation and help you choose the ideal RBC Visa card to meet your needs.

Minimum Age. In most countries, including the United States and Canada, you must be at least 18 years old to apply for a credit card. Some issuers may require you to be older, such as 21 years old, for certain types of cards.

Residency Status. You typically need to be a resident of the country where you're applying for the credit card. This may require providing proof of address, such as a utility bill or lease agreement, during the application process.

Income. Credit card issuers often have minimum income requirements to ensure that applicants have the means to repay their credit card debt. The specific income threshold can vary depending on the card and issuer.

Credit History. Your credit history plays a significant role in determining your eligibility for a credit card. Issuers will check your credit report to assess your creditworthiness, including factors such as your payment history, credit utilization, length of credit history, and any negative marks like bankruptcies or late payments.

Credit Score. Your credit score is a numerical representation of your creditworthiness, based on the information in your credit report. While each issuer may have different score requirements, generally, a higher credit score increases your chances of approval and may qualify you for better terms and rewards.

Debt-to-Income Ratio. Credit card issuers may also consider your debt-to-income ratio, which is the ratio of your monthly debt payments to your gross monthly income. A lower debt-to-income ratio indicates that you have more disposable income available to handle additional debt, making you a lower risk to lenders.

Employment Status. While not always a strict requirement, having stable employment or a regular source of income can improve your chances of being approved for a credit card. Some issuers may ask for information about your employment status and income during the application process.

Legal Capacity. You must have the legal capacity to enter into a contract, which typically means you cannot be under guardianship or have legal restrictions that would prevent you from taking on debt.

If you have limited or no credit history, it can be challenging for credit card issuers to assess your creditworthiness. Without a track record of responsible credit use, they may hesitate to approve your application.

Your credit score is a key factor in determining your creditworthiness. If your credit score is below the issuer's minimum threshold, you may be denied an RBC Visa card. Factors such as missed payments, high credit utilization, and derogatory marks on your credit report can negatively impact your score.

Credit card issuers consider your debt-to-income ratio when evaluating your application. If your monthly debt obligations are high relative to your income, it may indicate that you're at risk of being overextended financially, leading to a denial.

Multiple recent credit inquiries or a history of applying for multiple credit cards in a short period can raise red flags for issuers. It may suggest to them that you're in desperate need of credit, which could be a sign of financial instability.

Credit card issuers typically have minimum income requirements for card approval. If your income doesn't meet the issuer's criteria for the card you're applying for, you may be denied.

Past credit problems, such as bankruptcy, foreclosure, or accounts in collections, can significantly impact your creditworthiness and lead to a denial of your application.

Mistakes or inaccuracies on your credit report could negatively affect your credit score and lead to a denial. It's essential to review your credit report regularly and dispute any errors you find.

Providing incomplete or inaccurate information on your credit card application can result in a denial. Make sure to double-check all the information you provide to ensure its accuracy.

Having too many open credit accounts can signal to issuers that you already have access to a significant amount of credit, making them hesitant to extend additional credit to you.

If you have a history of frequent job changes or periods of unemployment, it may raise concerns for credit card issuers about your ability to repay debt.

Log in to your RBC Online Banking account and navigate to the section where you can manage your credit card. From there, you can make a payment directly from your bank account to your RBC Visa card.

If you prefer managing your finances on the go, you can use the RBC Mobile app to make a payment towards your RBC Visa card. Simply open the app, navigate to your credit card account, and follow the prompts to make a payment.

Set up automated payments through RBC Online Banking or the RBC Mobile app to ensure your RBC Visa card payment is made on time each month. This option allows you to schedule recurring payments, providing peace of mind and helping you avoid late fees.

Call the RBC customer service number and follow the prompts to make a payment towards your RBC Visa card over the phone. You may be asked to provide your card details and banking information to complete the payment.

If you prefer traditional methods, you can mail a cheque or money order along with your payment stub to the address provided on your RBC Visa card statement. Make sure to allow sufficient time for the payment to reach RBC and be processed before the due date.

Visit your nearest RBC branch and speak with a representative at the banking counter. You can make a payment towards your RBC Visa card using cash, cheque, or debit card. Remember to bring your RBC Visa card or account details for reference.

Some RBC ATMs allow you to make credit card payments directly at the machine. Insert your RBC Visa card and follow the on-screen instructions to initiate a payment transaction.