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Best for: Travel rewards

It comes with a welcome bonus of 100,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,664.

Annual Fee
$399
Rewards rate
1.25x

RBC Avion Rewards - Elite

Welcome Bonus
Up to 100,000 points

Ends Nov 25, 2026

1st Year Value
$1,664

Pros

  • Welcome bonus of 100,000 points
  • Estimated 1st-year value of $1,664

Cons

  • High annual fee ($399)
  • Requires good credit
Best for: Travel rewards

It comes with a welcome bonus of 28,000 points. You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $1,326.

Annual Fee
$48
Rewards rate
1x

RBC Avion Rewards - Premium

Welcome Bonus
Up to 28,000 points

Ends Nov 4, 2026

1st Year Value
$1,326

Pros

  • Welcome bonus of 28,000 points
  • 3x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,326

Cons

  • Fewer premium perks
Best for: No annual fee

The RBC ION Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 14,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $759.

Annual Fee
$0
Rewards rate
1x

RBC Avion Rewards - Premium

Welcome Bonus
Up to 14,000 points

Ends Nov 4, 2026

1st Year Value
$759

Pros

  • No annual fee
  • Welcome bonus of 14,000 points
  • Estimated 1st-year value of $759

Cons

  • Fewer premium perks
Best for: No annual fee

The RBC® Cash Back Mastercard‡ has no annual fee, making it risk-free to hold. You earn 2x on groceries and 0.5x at restaurants. Estimated first-year value is $276.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus

Ends Sep 30, 2026

1st Year Value
$276

Pros

  • No annual fee
  • 2x on groceries

Cons

  • No welcome bonus
Best for: Overall value

It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 1.5x at restaurants. Estimated first-year value is $1,071.

Annual Fee
$139
Rewards rate
1.5x

WestJet Rewards

Welcome Bonus
Up to 70,000 points

Ends Nov 4, 2026

1st Year Value
$1,071

Pros

  • Welcome bonus of 70,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,071

Cons

  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 15,000 points. You earn 1x on groceries and 1.5x at restaurants. Estimated first-year value is $435.

Annual Fee
$39
Rewards rate
1x

WestJet Rewards

Welcome Bonus
Up to 15,000 points

Ends Nov 4, 2026

1st Year Value
$435

Pros

  • Welcome bonus of 15,000 points
  • Estimated 1st-year value of $435

Cons

  • Fewer premium perks
Best for: Overall value

It comes with a welcome bonus of 60,000 Avios. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,569.

Annual Fee
$165
Rewards rate
1x

British Airways Club

Welcome Bonus
Up to 60,000 Avios

Ends Sep 9, 2026

1st Year Value
$1,569

Pros

  • Welcome bonus of 60,000 Avios
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,569

Cons

  • High annual fee ($165)
  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 45,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $752.

Annual Fee
$175
Rewards rate
1.5x

WestJet Rewards

Welcome Bonus
Up to 45,000 points

Ends Aug 24, 2026

1st Year Value
$752

Pros

  • Welcome bonus of 45,000 points
  • Estimated 1st-year value of $752

Cons

  • High annual fee ($175)
  • Requires good credit