RBC Avion Visa Infinite Review: Is It Worth It?
The RBC Avion Visa Infinite card has a relatively simple reward structure — it earns one Avion point on all purchases and 1.25 points on eligible travel purchases. The card’s $60,000 minimum income requirement ($100,000 per household) and $120 annual fee may be high for some applicants.
Rewards breakdown
Rewards breakdownPoints on eligible travel-related purchases
Points on everything else.
NerdWallet's take
NerdWallet's takeThe RBC Avion Visa Infinite simplifies reward accrual with 1 Avion point per $1 spent and boosted rates of 1.25x on travel purchases. A broad swath of insurance coverage, paired with value-adding extras like gas, car rental and food delivery discounts, makes this a well-rounded card for travellers. Best for: Travellers who want flexible rewards points and built-in travel protections.
Pros
- Car rental discounts of up to 20% at Hertz.
- Fuel discounts of 3 cents per litre at Petro-Canada.
Cons
- No airport lounge access.
- Highest earn rate only applies to travel spending.
Card details
Card details- Get up to 55,000 Avion points¹ (max travel value of $1,100†), that’s up to 3 round trip flights^. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months¹. Apply by June 15, 2026.
- Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
- Avion Visa Infinite Cardholders can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
- Avion Visa Infinite Cardholders 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 Avion Visa Infinite Cardholder.
- 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.
- Avion Visa Infinite Cardholders get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
- Avion Visa Infinite Cardholders no longer need 14-days to book travel using the RBC grid.
- Add your credit card to your DoorDash account and get a free 12 monthly DashPass subscription¹⁶
- 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.
A good fit for Avion point collectors who prioritize travel insurance.
Not a good fit for frequent travellers looking for top-tier perks.
What our Nerds think
"If you want a card that earns Avion Elite points (the highest tier of Avion points), and has a full suite of travel insurance, the RBC Avion Visa Infinite may be a good fit. However, the income requirement and uninspiring earn rate may reduce this card’s value for some people. Plus, it charges an FX fee and doesn’t offer airport lounge access — two perks that arguably make a great travel card."
- Georgia Rose, lead writer and content strategist.
Note: This card is scored as a Travel card, which means 46% of the star rating is based on the card's Travel perks, 30% on Rewards and 24% on Fees and Rates.
Travel perks
"GOOD"
The RBC Avion Visa Infinite card offers a full array of travel coverage, as well as rental car discounts and no blackout dates when booking through their online portal. However, for a travel card, there’s no airport lounge access and cardholders are charged a foreign transaction fee on purchases in foreign currencies.
Airport lounge access:
None
Travel insurance:
Full suite
Booking perks:
No seat restrictions or blackout dates
🤓 Get Nerdy: Read more about travel perks
Travel perks include:
Hertz rental car discounts (up to 20% off, and 3x Avion points).
No seat restrictions or blackouts when you book travel using Avion points.
Full suite of travel insurance.
Travel accident: Up to $500,000.
Travel medical: Unlimited emergency medical coverage (limits apply to certain procedures and services, such as dental care).
Flight delay: Up to $250 for necessary expenses, per insured person and occurrence, up to $500.
Trip interruption: Up to $25,000 ($5,000 per each covered person).
Trip cancellation: Up to $5,000.
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.
Non-travel perks include:
Add your credit card to your DoorDash account and get a free 12 monthly DashPass subscription.
Discounts and additional Avion points available when you link the card to a Petro-Canada, as well as Be Well points when you link the card to a Rexall points card.
Rewards
"EXCELLENT"
Avion Elite points have one of the highest reward values on the market* (one point is worth roughly two cents). You can redeem your points for merchandise, travel bookings or cashback against your balance. Plus, you can convert your points to other frequent flyer programs, such as British Airways and Cathay Pacific.
Reward earn rate:
1X - 1.25X points per $1 spent
Reward value:
1 point = $0.02
Reward program:
Avion Elite
*according to NerdWallet’s analysis
🤓 Get Nerdy: Read more about rewards
Earning rewards
Earn 1 Avion point for every CAD spent on all purchases.
Earn 25% more Avion points on eligible travel purchases (1.25 points per $1 spent).
Earn 20% more Avion points on eligible Petro-Canada purchases (1.2 points per $1 spent).
Earn 3x Avion points on eligible Hertz purchases.
You can also add the Avion Rewards ShopPlus browser extension to see deals at eligible retailers when you surf online.
Redeeming rewards
You can redeem Avion points for travel purchases, merchandise, gift cards, charity donations and cashback toward your credit card balance.
Points can also be converted to other reward programs, such as WestJet Rewards, American Airlines, British Airways, Cathay Pacific and Hudson's Bay Rewards
Fees and rates
"OK"
The annual fee and APR are about average for a travel card, according to NerdWallet’s analysis. But with a 2.5% foreign transaction fee, no airport lounge access and a rather basic earn rate, some users may feel the card’s cost does not match its value.
Annual fee:
$120
Purchase APR:
20.99%
Foreign transaction fee:
2.5%
🤓 Get Nerdy: Read more about fees and rates
Annual fee: $120
The average annual fee for a Travel card in Canada: $118*
Purchase interest rate: 20.99%
The average purchase interest rate for a Travel card in Canada: 21.45%*
Cash advance interest rate: 22.99% (21.99% for Quebec residents)
Cash advances apply to cash-like transactions, such as ATM withdrawals, and start accruing interest immediately.
Balance transfer fee: Up to 3% on promotions.
The balance transfer fee is charged on the total amount transferred and added to your new balance.
Penalty APR: 25.99%
Penalty APR of 25.99% (27.99% on cash advances) if you miss more than two payments within 12 months. This penalty APR will stay in place until you’ve made 12 consecutive minimum payments on time.
Foreign transaction fee: 2.5%
Foreign transaction fees are charged on any purchases made in foreign currencies or when overseas.
The average foreign transaction fee for a Travel card in Canada: 2.3%*
Additional card fee: $50
*according to NerdWallet’s analysis of over 200 credit cards, as of this writing.
Welcome offer
Get 55,000 Avion Elite points when you get your new card.
Estimated $ value of offer:
$1,100*
Spend requirement:
$5,000
Offer partially received:
Within 60 days
*according to the RBC website.
🤓 Get Nerdy: Read more about the welcome offer
You automatically get 35,000 Avion Elite points within 60 days of opening the account. Then, if you spend $5,000 in your first six months, you'll get an additional 20,000 bonus points.
According to the RBC website, this welcome offer can cover up to three round trip flights. Taxes and fees are not included in the estimation.
Eligibility
To be eligible for the PC Mastercard, you must:
✓ Be a Canadian resident
✓ Be at least the age of majority in your province or territory
✓ Have a gross annual income of at least $60,000 ($100,000 per household) or have a minimum of $250,000 in assets.
🤓 Get Nerdy: Read more on how to apply
How to apply for the RBC Avion Visa Infinite card
You can apply for the RBC Avion Visa Infinite card via the bank’s website. Confirm if you are an existing RBC customer or not, then follow the online prompts. You’ll likely need to enter your personal contact details, as well as financial information.
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
Customer ratings and Reddit chatter
Below average in customer satisfaction: RBC ranks 10th out of 13 issuers in J.D. Power’s 2025 Canada Credit Card Satisfaction Study. The RBC Avion Visa Infinite card also appeared on the survey’s list of credit cards with annual fees, with a below-average ranking.
Low Trustpilot rating: 1.3 out of 5 possible stars based on over 1,600 customer reviews, as of this writing.
Low Better Business Bureau rating: 1.1 out of 5 possible stars based on over 85 customer reviews, as of this writing. RBC is not accredited by the BBB itself.
What Reddit has to say
We know expert recommendations matter — but so do real-life experiences. On Reddit, Canadian users comment on the card’s “lackluster” earn rate, but praise the card’s ability to convert points to other loyalty programs.
RBC Avion Visa Infinite vs TD First Class Travel Visa Infinite Card
Both cards have similar income requirements and annual fees, but have different loyalty programs and earn rates.
Rewards breakdown
Rewards breakdownPoints on eligible travel-related purchases
Points on everything else.
NerdWallet's take
NerdWallet's takeThe RBC Avion Visa Infinite simplifies reward accrual with 1 Avion point per $1 spent and boosted rates of 1.25x on travel purchases. A broad swath of insurance coverage, paired with value-adding extras like gas, car rental and food delivery discounts, makes this a well-rounded card for travellers. Best for: Travellers who want flexible rewards points and built-in travel protections.
Pros
- Car rental discounts of up to 20% at Hertz.
- Fuel discounts of 3 cents per litre at Petro-Canada.
Cons
- No airport lounge access.
- Highest earn rate only applies to travel spending.
Card details
Card details- Get up to 55,000 Avion points¹ (max travel value of $1,100†), that’s up to 3 round trip flights^. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months¹. Apply by June 15, 2026.
- Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
- Avion Visa Infinite Cardholders can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
- Avion Visa Infinite Cardholders 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 Avion Visa Infinite Cardholder.
- 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.
- Avion Visa Infinite Cardholders get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
- Avion Visa Infinite Cardholders no longer need 14-days to book travel using the RBC grid.
- Add your credit card to your DoorDash account and get a free 12 monthly DashPass subscription¹⁶
- 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.
Rewards breakdown
Rewards breakdownPoints for every $1 you spend when you book travel through Expedia® For TD†.
Points for every $1 you spend on Groceries, Dining, and Public Transit†.
Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
Points for every $1 you spend on other Purchases made using your Card†.
NerdWallet's take
NerdWallet's takeAvid Expedia users will get the most out of this card, with its top earn rate (8x TD points) on bookings made through the travel platform. An annual travel credit, airport lounge access and insurances round out this card as a solid pick for jetsetters. But the $139 may be too steep for some, and if you don’t use Expedia, the rewards may not be as fruitful. Best for: Frequent travellers and Expedia surfers who spend big on groceries, dining, and transit.
Pros
- $100 travel credit, annually.
- Airport lounge access and four free passes.
- Comprehensive travel insurance.
Cons
- Higher than average $139 annual fee for points card.
- Top earn rate (8x points) only applies to Expedia bookings.
Card details
Card details- Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)*.
- To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
- Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
- No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
- Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
- Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
- †Terms and conditions apply.
- This offer is not available for residents of Quebec.
- The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Methodology
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