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We Have the Right Credit Card for You

As you begin your life in Canada, a credit card will help you transition and settle in to your new home. Choose the type of card you’re looking for below to explore your options.

Personal Credit Cards

Enjoy the convenience and worldwide acceptance of a credit card from RBC. Choose from a range of premium and no annual fee cards.

Student Credit Cards

Start building a credit history while you’re a student and simplify your life with one of our popular cards for international students.

Business Credit Cards

Manage your business expenses, simplify your day-to-day tasks and invest in your business with a flexible business credit card.

Building a Credit History in Canada

If you need a loan or mortgage in the future, you’ll enjoy more favourable terms (like a better interest rate) if you have a Canadian credit history and a good credit score. Here is some information to help you understand this important topic:

Why Newcomers Love Our Credit Cards

Credit cards are a popular and convenient way to shop and pay for services in Canada. Using one responsibly also builds a good credit history, which will help you in the future. To help you settle in faster, we’ve made it easy for you to get your first Canadian credit card!

  • Start building a credit history right away

    At RBC, you can apply for your first Canadian credit card—no credit history required!2

  • Enjoy future credit limit increases

    Your credit limit can increase as your income goes up and you become more established.

  • Choose from a wide range of credit cards

    We offer cards with no annual fee3, cash back cards, RBC Rewards cards and more.

  • Find the right credit card for your business, too

    Starting a new business in Canada? We can help with your borrowing needs.

The RBC Newcomer Advantage

We know that you and your family have unique needs. Let us help. With the RBC Newcomer Advantage1 you can get everything you need for a great financial start in Canada. We are Canada’s largest bank* and leading financial institution, and we’ve been providing advice and solutions to newcomers for over 150 years.