RBC Avion Visa Infinite Review 2025: 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 breakdown
NerdWallet's take
NerdWallet's take
Card details
Card detailsA 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:
Free DashPass subscription for up to 12 months, which means no DoorDash delivery fees. Must activate before September 30, 2025.
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:
None
Offer received:
Within 60 days
*according to the RBC website.
🤓 Get Nerdy: Read more about the welcome offer
You automatically get 55,000 Avion Elite points within 60 days of opening the account.
According to the RBC website, the welcome offer can cover a return flight to North America or the Caribbean. 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 11th out of 13 issuers in J.D. Power’s 2024 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 breakdownNerdWallet's take
NerdWallet's takeCard details
Card details
Rewards breakdown
Rewards breakdownNerdWallet's take
NerdWallet's takeCard details
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