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- Pros: Petro-Canada fuel discounts, 12 months of free DoorDash deliveries and travel insurance.
- Cons: No airport lounge access, free checked bags or priority airport services.
What our Nerd thinks
“The RBC Avion Visa Infinite Card has some travel-specific perks that will appeal to jet setters and road trippers, but it puts in a decent showing as a general rewards card, too. Overall, I think the card will appeal in equal measure to Canadians who want a rewards program with diverse redemption options and travellers seeking the peace of mind provided by a card with travel insurance.”
The RBC Avion Visa Infinite card offers new cardholders up to 55,000 Avion Points. There are no spending categories to keep track of; cardholders earn one Avion point on all purchases and 1.25 points on eligible travel purchases. However, the card’s $60,000 minimum income requirement and $120 annual fee may be high for some applicants.
RBC Avion Visa Infinite
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Annual Fee$120
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Interest Rates20.99% / 22.99%20.99% on purchases, 22.99% on cash advances.
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Rewards Rate1x-1.25x PointsEarn 1.25x Avion points on eligible travel-related purchases and 1x on everything else.
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Intro OfferUp to 55,000 PointsGet 35,000 welcome Avion points on approval*. Get an additional 20,000 bonus Avion points when you spend $5,000 or more in qualifying purchases or pre-authorized bill payments within the first 6 months of account opening. Offer ends November 25, 2024.
- Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
- Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
- Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
- Avioners earn points that never expire so your points will be waiting for your next adventure.
- Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
- Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
- Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
- Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
- Get access to RBC offers which provides access to earn points faster at specified brands.
- Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family.
- Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
- Avioners no longer need 14-days to book travel using the RBC grid.
- Get $0 delivery fees for 12 months from DoorDash¹⁷ – Add your eligible RBC credit card to your DoorDash account to:
- Get a 12-month complimentary DashPass subscription¹⁸ – a value of almost $120.
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
- Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
RBC Avion Visa Infinite full review
The RBC Avion Visa Infinite card is one of six personal credit cards from the Royal Bank of Canada that offers Avion points — a loyalty program specific to RBC. You can spend Avion points on a range of products like flights, electronics, investments and more. The company’s Visa Infinite card is among the more expensive of RBC’s personal Avion credit cards.
Benefits of the RBC Avion Visa Infinite card
- 35,000 Avion Points upon approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by Nov. 25, 2024.
- No seat restrictions or blackouts when you book travel using Avion points.
- Free Doordash deliveries for 12 months. (Must activate before Feb. 28, 2025).
- Discounts and additional Avion points available when you rent with Hertz, or link the card to a Petro-Canada card.
Drawbacks of the RBC Avion Visa Infinite card
- Minimum income requirement of $60,000 ($100,000 for household).
- No airport lounge access.
- RBC has low Trustpilot and BBB ratings.
Who should get the RBC Avion Visa Infinite card?
You may want to get the RBC Avion Visa Infinite card if you:
- Want to collect Avion points on all purchases.
- Have a Be Well or Petro-Canada card and want to take advantage of extra discounts.
- Use Hertz or Doordash and want to take advantage of the card’s free delivery offer and rental car discounts.
Is RBC Avion Visa Infinite worth it?
If you want a card that offers consistent Avion points across all purchases the RBC Avion Visa Infinite may be right for you. However, the high income requirement, lack of airport lounge access and an average earn rate that’s lower than other RBC credit cards may reduce this card’s value for some people.
RBC customer ratings
- Below average in customer satisfaction: RBC ranks 8 out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
- Low Trustpilot rating: 1.2 out of 5 possible stars based on over 1,000 customer reviews, as of this writing.
- Low Better Business Bureau rating: 1.2 out of 5 possible stars based on over 130 customer reviews, as of this writing. RBC is not accredited by the BBB itself.
RBC Avion Visa Infinite eligibility
Who qualifies for the RBC Avion Visa Infinite card?
To qualify for the RBC Avion Visa Infinite card, you must earn a gross income of at least $60,000 ($100,000 per household) or have a minimum of $250,000 investable assets.
In general, you must be at least the age of majority and a resident of Canada to qualify, unless otherwise stated by the card issuer.
Approximate credit score needed for approval
Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. What we do know is that higher scores have better chances of approval — that’s true no matter what type of credit you’re applying for.
Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.
» MORE: How to Check Your Credit Score
RBC Avion Visa Infinite rewards
Earn 35,000 Avion points when you’re approved for the RBC Avion Visa Infinite card and 20,000 bonus points when you spend $5,000 in your first 6 months (must apply by November 25, 2024).
You could save up to $1,100 on flights. The card’s 35,000 welcome points can be used to purchase a long-haul return flight to eligible destinations with a maximum ticket price of $1,100.
- Earn 1 Avion point for every CAD spent on all purchases.
- Earn 1.25x Avion points on eligible travel purchases.
- Earn 1.20x Avion points on eligible Petro-Canada purchases.
- Earn 3x Avion points on eligible Hertz purchases.
How to apply for the RBC Avion Visa Infinite card
- Click the Apply Now and then the Get Started buttons on the RBC Avion Visa Infinite web page.
- Confirm if you are an existing RBC customer or not. Sign in if you are an existing customer for a faster application process.
- If you are not an existing member, review the card’s terms and conditions and click Continue.
- Enter your personal details, such as full name, email, date of birth and address.
- Enter any employment or financial information requested.
- Review and submit your application.
RBC Avion Visa Infinite vs TD First Class Travel Visa Infinite
Both cards have similar income requirements, but have different loyalty programs and earn rates.
| RBC Avion Visa Infinite | TD First Class Travel Visa Infinite | |
|---|---|---|
| Annual fees | $120 | $139 |
| Minimum annual income | $60,000 (or $100,000 for the household) or have a minimum of $250,000 investable assets. | $60,000 (or $100,000 for the household) |
| Rewards |
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| Benefits |
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Reasons you might want a different card
If you’re looking for a rewards card outside of the Avion points program, that has higher earn rates and offers airport lounge access, you may want to look elsewhere.
RBC Avion Visa Infinite facts
| RBC Avion Visa Infinite | |
|---|---|
| Card Type | Rewards credit card |
| Fees and Interest Rates | |
| Annual fee | $120 |
| Regular/purchase APR | 20.99% |
| Penalty APR | 24.99% (27.99% on cash advances) if you miss more than two payments within 12 months as of May 2023. This penalty APR will stay in place until you’ve made 12 consecutive minimum payments on time. |
| Cash advance APR | 22.99% (21.99% for Quebec residents) |
| Cash advance fee | $5 per transaction. |
| Balance transfer fee | 3% or $10, whichever is greater. |
| Foreign transaction fee | 2.5% of the transaction amount. |
| Rewards and Benefits | |
| Intro offer | 35,000 Avion Points upon approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by Nov. 25, 2024. |
| Reward earn rates | 1 Avion point per $1 spent and 1.25 points on eligible travel purchases. Additional Avion points available when you link the card to Petro-Canada. |
| Other perks |
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| Insurance coverage | |
| Travel accident | Up to $500,000. |
| Travel medical | Unlimited emergency medical coverage. (Limits apply to certain procedures and services, such as dental care, which maxes out at $2,200). |
| Flight delay | Up to $250 for necessary expenses, per insured person and occurrence, up to $500. |
| Baggage loss or delay | Up to $500 for emergency purchases, per insured person up to $2,500 per occurrence. |
| Hotel burglary | Up to $2,500 of coverage for personal items. |
| Rental car theft/damage | For up to 48 days. |
| Extended warranty | Up to 1 additional year. |
| Purchase protection | 90 days. |
| Mobile device protection | Up to $1,500 of mobile device protection in case of loss, theft, accidental damage or mechanical issues. Conditions apply. |
Rating Methodology
NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.
Frequently asked questions about RBC Avion Visa Infinite
No. RBC Avion Visa Infinite does not offer access to airport lounges. The bank’s higher-tiered card (RBC Avion Visa Infinite Privilege) does offer lounge access.
You must have a minimum gross income of $60,000 ($100,000 for the household) or at least $250,000 of investable assets to be eligible for this card.
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