What is RBC Credit Card?

RBC Credit Card bills average around $620/month for a typical household. RBC Autopay can withdraw from an account at another Canadian bank, one of the few Big 5 programs supporting external-account autopay online.

How to Get Cash Back on Your RBC Credit Card Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add RBC Credit Card as a payee: search "RBC Credit Card" in Bills. It's typically listed as RBC VISA (or RBC ROYAL BANK MASTERCARD).
3. Enter your card number: find it on the front of your RBC card or your monthly statement.
4. Pay with your preferred credit card: one-time or recurring. Your card earns its normal rewards; Neobanc adds cash back on top.
5. Earn cash back on every payment: cash back lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your RBC Credit Card Card Number

Check the front of your RBC card or your monthly statement. Enter it exactly as shown when adding the payee.

Can I Pay RBC Credit Card With a Credit Card?

Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $620/month RBC Credit Card bill, that's roughly $298 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your RBC Credit Card Bill

Average $620/month: a 2% cash-back card returns about $12.40/month, and Neobanc adds $6.20 to $12.40 on top, roughly $298 per year for switching how you pay, not what you pay.

How do I save the most on my RBC Credit Card bill each month?

Change how you pay before what you pay. Paying by bank transfer or Autopay earns nothing; the same bill through Neobanc with a cash-back card returns about $298 a year. Missing the minimum payment means interest (~20.99% purchases) compounds and late payments can be reported to Equifax/TransUnion. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.