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Published January 1, 2024
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RBC Avion Visa Infinite Review 2024: Is It Worth It?

The RBC Avion Visa Infinite card offers Avion points on all purchases and a nice selection of travel perks, but does not offer airport lounge access.

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4.0

NerdWallet Rating

Good for travellers who collect Avion points.

With this card, you can earn one Avion point for every CAD spent, and enjoy perks like 12 months free Doordash deliveries. 

Learn more about our star rating methodology.

    The RBC Avion Visa Infinite card offers new cardholders up to 35,000 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

    RBC Avion Visa Infinite
    • Annual Fee
      $120
    • Interest Rates
      20.99% / 22.99%
    • Rewards Rate
      1x-1.25x Points
    • Intro Offer
      Up to 35,000 Points
    Product details
    • Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
    • 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 subscription± – 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

    Drawbacks of the RBC Avion Visa Infinite card

    Who should get the RBC Avion Visa Infinite card?

    You may want to get the RBC Avion Visa Infinite card if you:

    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. 

    Our Nerd’s verdict: A mid-tier travel card with flexible rewards

    The RBC Avion Visa Infinite touts itself as a premium travel card, but I’m not sure I agree. Premium cards in this category offer complimentary airport lounge access, annual travel credits and NEXUS fee rebates, to name a few — all of which the RBC Avion Visa Infinite is missing.

    That said, I think the RBC Avion Visa Infinite Card is a fine choice for Canadians on the hunt for a well-rounded rewards card. You can earn up to 1.25 Avion points per $1 spent, and the card offers fuel discounts at Petro-Canada, Hertz rental discounts and insurance coverage that includes trip cancellation, trip interruption and emergency medical coverage.

    Overall, the card will appeal to those who want to collect rewards with diverse redemption options and travellers seeking the peace of mind provided by a card with travel insurance. 

    — Shannon Terrell

      RBC customer ratings

      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 April 30, 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

      1. Click the Apply Now and then the Get Started buttons on the RBC Avion Visa Infinite web page.
      2. Confirm if you are an existing RBC customer or not. Sign in if you are an existing customer for a faster application process. 
      3. If you are not an existing member, review the card’s terms and conditions and click Continue. 
      4. Enter your personal details, such as full name, email, date of birth and address.
      5. Enter any employment or financial information requested. 
      6. 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 InfiniteTD 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
      • 1x Avion points on all purchases.

      • 1.25x Avion points on eligible travel purchases, such as airline tickets and accommodation.

      • Additional Avion points available when you link the card to Petro-Canada.
      • 8x TD reward points on purchases through Expedia for TD.

      • 6x TD reward points on groceries and restaurants.

      • 4x TD reward points on recurring bill payments.

      • 2x TD points on everything else.
      Benefits
      • Use Avion points as cash back on your credit card.

      • No delivery fees on Doordash for 12 months. (Activation required. Apply before Jan. 1, 2024).

      • Insurance coverage for mobile phone devices, trip cancellations, eligible purchases and more.

      • Access to hotel, dining and event benefits through Visa Infinite.

      • Be Well points available when you link the card to a Be Well account.

      • Discount on Hertz rental cars.

      • Access to the Avion Collection — a catalogue of exclusive experiences and perks.

      • No restrictions on the airline, flight date or seat when you book travel using Avion points.
      • Earn 10,000 TD bonus points on your birthday.

      • A $100 annual TD travel credit on eligible purchases of $500 or more.

      • Insurance coverage for mobile phone devices, trip cancellations, eligible purchases and more.

      • Access to Visa Infinite program with hotel, dining and entertainment perks.

      • Earn 50% more points at Starbucks.

      • Discounts on Avis and Budget rental cars.

      • No restrictions on seats or blackouts on eligible travel.

      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 TypeRewards credit card
      Fees and Interest Rates
      Annual fee$120
      Regular/purchase APR20.99%
      Penalty APR24.99% (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 APR22.99% (21.99% for Quebec residents)
      Cash advance fee$5 per transaction.
      Balance transfer fee3% or $10, whichever is greater.
      Foreign transaction fee2.5% of the transaction amount.
      Rewards and Benefits
      Intro offer35,000 Avion Points upon approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by Apr. 30, 2024.
      Reward earn rates1 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
      • No delivery fees on Doordash for 12 months. (Activation required. Apply before Jan. 1, 2024).

      • Access to hotel, dining and event benefits through Visa.

      • Be Well points available when you link the card to a Be Well card.

      • Hertz rental car discounts.

      • Access to the Avion Collection — a catalogue of exclusive experiences and perks.

      • No seat restrictions or blackouts when you book travel using Avion points.
      Insurance coverage
      Travel accidentUp to $500,000.
      Travel medicalUnlimited emergency medical coverage. (Limits apply to certain procedures and services, such as dental care, which maxes out at $2,200).
      Flight delayUp to $250 for necessary expenses, per insured person and occurrence, up to $500.
      Baggage loss or delayUp to $500 for emergency purchases, per insured person up to $2,500 per occurrence.
      Hotel burglaryUp to $2,500 of coverage for personal items.
      Rental car theft/damageFor up to 48 days.
      Extended warrantyUp to 1 additional year.
      Purchase protection90 days.
      Mobile device protectionUp 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

        Does RBC Avion Visa Infinite have lounge access?

        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.

        What is the minimum income requirement for RBC Avion Visa Infinite?

        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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