RBC offers a stand-out student credit card collection, with perks like competitive interest rates at 20.99% on purchases. Credit limits are flexible based on approval conditions. Annual fees can be as low as $0, and students under 24 often get rebates on cards like the RBC ION+ Visa. Welcome bonuses are generous: new applicants can earn up to 14,000 Avion points (worth about $100 in gift cards) or benefit from unlimited cash back with select Mastercard options.

Step-by-Step Application Guide

Begin by selecting your preferred RBC student credit card. The website guides you effortlessly to the application portal.

Fill in your personal and financial details, confirming your student status if required.

Submit your application and usually receive an approval decision within minutes.

Once approved, your new credit card is mailed directly to your Canadian address.

Activate your card online or by phone, then start earning rewards with your everyday purchases.

Benefits of RBC Student Credit Cards

Earn welcome points bonuses and ongoing rewards on groceries, gas, dining, and more, tailored to student spending habits.

No annual or low fees mean great value for students learning personal finance and building credit history.

Potential Drawbacks

Interest rates on cash advances are higher (22.99%) and start accruing immediately if not paid off right away.

Higher-tier cards, like the RBC Avion Visa Platinum, charge substantial annual fees, which may not suit every student budget.

Our Verdict

RBC’s student credit card options offer strong welcome bonuses, practical rewards, and flexibility for students across Canada. While higher fees apply to premium cards, fee-free options make it easy for students to start building their financial future responsibly.