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RBC Visa Infinite Avion®

RBC Visa Infinite Avion®

Start Avioning Today! Get 15,000 Welcome Points upon approval

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? From points, to miles, to cash back – how do you know how much you’re really getting? To help you find the best rewards card, we’ve created the Your Reward Return, an estimate on the dollar value of your rewards based on your monthly spend so that you can compare like for like. Now that’s wise thinking!
$120.00 19.99% 1.90% *22.99% after 10 months 1.90% *22.99% after 10 months Good 2.88% *maximum
  • Card Details Details
  • Our Review Review

Card Details


  • A low introductory interest rate of 1.9% for 10 months on balance transfers and cash advances

  • Earn 25% more RBC Rewards points on travel related purchases1

  • Book flights, hotel stays, cruises, vacation packages, car rentals with RBC Rewards site, powered by Orbitz

  • Transfer your RBC Rewards points towards other eligible loyalty programs

  • Premium suite of insurances including trip cancellation3, trip interruption3, travel medical4, car rental insurance5

  • Redeem your points toward your credit card balance using Payback with Points2

  • Instantly save 3₵ per litre on fuel & earn 20% more Petro-Points§ and RBC Rewards points** when you link your Petro-Points card to any RBC Card online

Features and Benefits

  • Purchase protection and extended warranty
  • Rental vehicle insurance
  • Travel medical insurance
  • Trip interruption or cancellation insurance
  • Travel accident insurance

RateSupermarket.ca's Review

If you're in the market for a high quality travel rewards option, the RBC Royal Bank® Visa Infinite‡ Avion® has likely crossed your radar. RBC's flagship card packs a big sign up punch, offering 15,000 bonus points upon application approval for a limited time, along with extensive travel benefits and insurance. This card carries a $120 annual fee.

 

RBC's biggest selling point is the instant opportunity to fly, as their sign up bonus alone qualifies for a short-haul flight. However, its one-for-one earning potential and flexible redemption process make it a decent everyday option, long after that initial flight. Check out our breakdown of what's great – and not so great – about this travel rewards card, and whether it's a good fit for your wallet.

 

Note: This is a Visa Infinite Tier card – cardholders must have a good credit score to qualify, personal income requirements of $60,000 or a total family income of $100,000. Cardholders also have access to Visa Infinite benefits, including a 24-hour daily concierge, plus discounts and offers on dining and entertainment.

Sign Up Bonus: Great

The 15,000 sign up points you'll receive upon your application approval can be used for a short-haul flight (neighbouring province or state) in an economy seat. That's one of the highest sign up values among similar travel cards. In addition to airfare, hotels and packages, cardholders can also redeem points on merchandise, gift cards, or put them towards RBC investments, lines of credit – even your mortgage. 

Earning Potential: Average

The RBC Royal Bank® Visa Infinite Avion® earns one point on the dollar, with an additional 25 per cent earned on travel-related purchases. While not the highest earning potential on the market, points are sure to add up quickly with regular card use. But cardholders should keep in mind that redemption isn't dollar for dollar; RBC adheres to a specific structure (click here to see the schedule) that assigns a point value to flight type. Cardholders must also have a minimum of 1,000 points before they can redeem on travel.

Balance Transfer Feature: Great

This card features a 1.9% introductory interest rate on balance transfers and cash advances for the first 10 months. But note that balance transfers do not count as an eligible transaction in order to get the sign up bonus cardholders must make a purchase to access their points. Although this card carries a great introductory balance transfer rate, be sure to pay off any balance transfers on the card before your 10 month introductory period expires - at which point the effective rate will go back up to 22.99%.

Point Redemption: Good

Cardholders aren't limited to black out periods or airline-specific booking with this card. Bookings are made through RBC's Orbitz portal, by calling into their call centre, or through their partner travel agency, Carlson Wagonlit Travel.

However, RBC only allows point redemption up to a capped amount, based on the destination zone type (See above schedule). Should cardholders redeem on a ticket above the capped value, they can either pay the difference on their card, buy points at $40 per 1000, or redeem additional points at the lower return rate of 100 points per dollar. At least half of the required rewards points must have been earned in order to do so.

Travel Insurance: Great

The RBC Royal Bank® Visa Infinite‡ Avion®'s built-in insurance suite is extensive, designed to give travellers complete peace of mind and support. Coverage includes:

 

  • Out of province / out of country emergency medical for first 15 consecutive days for those under 65; coverage is for first three days if over 65.
  • Travel accident insurance
  • Trip Cancellation and interruption
  • Auto Rental Collision and Loss
  • Flight Delay
  • Lost Luggage
  • Hotel / Motel Burglary


Remember, coverage can be voided due to pre-existing conditions, and certain conditions and requirements apply.

 

Rate, product information and rewards estimate are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details

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