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Mr. Loonie
RBC British Airways Visa Infinite

RBC British Airways Visa Infinite

7.5
Good
Expert Score · 9 reviews How we score

Best for: Travellers who fly British Airways or its partners and want Avios on dining

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,605
Every year after
$605

Ranked #9 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$1,000
The full offer. Up to 50,000 Avios.
Annual fee
$165 a year
Apply now on RBC’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from RBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $250 or more a month on flights?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 3 points per $1 on flights At our value for these points, that’s about 6% back.
  • Good: Welcome offer up to 50,000 Avios About $1,000 at our value for these points.

Watch for

  • Watch for: $165 a year You need about $250 a month on flights to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Avios valued at 2¢ each.

  • Groceries $192
    1 point per $1 · 2% back $800 a month · 9,600 Avios a year
  • Restaurants $120
    2 points per $1 · 4% back $250 a month · 6,000 Avios a year
  • Gas $60
    1 point per $1 · 2% back $250 a month · 3,000 Avios a year
  • Recurring bills $60
    1 point per $1 · 2% back $250 a month · 3,000 Avios a year
  • Travel $36
    1 point per $1 · 2% back $150 a month · 1,800 Avios a year
  • Everything else $156
    1 point per $1 · 2% back $650 a month · 7,800 Avios a year
  • Foreign currency $36
    1 point per $1 · 2% back $150 a month · 1,800 Avios a year
For you Year one Later years
Points you earn33,000 Avios a year, at 2¢ each $660 $660
Welcome offer50,000 Avios you’d reach $1,000 $0
Annual fee −$165 −$165
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $1,605 $605

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Flights
3 points per $1 British Airways purchases
Restaurants
2 points per $1 On British Airways purchases
Food delivery
2 points per $1
Everything else (base rate)
1 point per $1
  • 2 points per $1 spent on food delivery purchases
  • Receive a Companion Award eVoucher when you spend $30,000 or more in any calendar year.
How Avios work, and why 2¢

We count Avios at 2¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.5¢ to 5¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    50,000 Avios · about $1,000

    Spend $6,000 in your first 3 months.

    You’d reach it in month 3.

    • On purchases within the first 90 days.

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.5
Good
Expert Score How we score
  • MoneySense (opens in a new tab) Oct 2026

    “For someone who travels regularly, earns enough to access the card’s key benefits, and can get good value from Avos redemptions, the math works in favour of the RBC British Airways Visa Infinite. On the other hand, if you rarely travel, don’t expect to use the companion voucher, or prefer simple cash-back rewards, the card may not be the best option for you.”

  • Frugal Flyer (opens in a new tab) May 2026

    “If you have been sleeping on British Airways Avios as a result of being focused on Aeroplan points, now is a great time to diversify your miles and points earning strategy. Signing up for the British Airways Visa Infinite credit card is a great way to boost your Avios balance even further and push you towards your next flight redemption, whether it’s a short hop in Europe or a transatlantic or transpacific flight.”

  • Money.ca (opens in a new tab) Jul 2023

    “With an accelerated earn rate that only rewards British Airways purchases and a severely restrictive companion voucher, the RBC British Airways Visa Infinite Card should appeal to only a niche category of Canadians: high-income travellers who frequently fly British Airways. Globetrotters who aren’t loyal to British Airways are better off choosing a different travel rewards card that offers more flexibility and earns points more rapidly.”

  • Rewards Canada (opens in a new tab) Feb 2023

    “If you are someone who flies with British Airways on a regular basis - even perhaps once per year but more so several times per year and are paying for those flights out of pocket then the RBC British Airways Visa Infinite card should be in your wallet. That 10% discount alone makes this card worth having and since you need to use the card for the purchase you'll be rewarded with the 2 Avios per dollar earn rate. Then if you are someone who can and will spend $30,000 on the card annually you have the icing on the cake and that is that annual companion award voucher. The Avios savings it can provide are very substantial especially if you are someone who will redeeming for premium class flights.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “RBC British Airways Visa Infinite credit card is one of the travel credit cards offered by RBC. This is your go-to travel credit card when you prefer to book your flights with British Airways while wanting to earn rewards and bonuses. You can earn up to 2 Avios points for every dollar you spend, which you can redeem for airline tickets, car rentals, hotel accommodations, and more. With a reasonable fee of $165 per year, you can get free food deliveries, extra points, and discounts from well-known companies such as DoorDash, Rexall, and Petro-Canada.”

  • creditcardGenius (opens in a new tab) Sep 2021
    7.2

    “It's an interesting airline credit card, especially useful for international travel. But, if you're thinking you may use miles for travel within Canada, this card won't be of much help.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

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Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical Included
  • Enjoy 10% off British Airways flights when you book and pay with your card
  • Trip Cancellation and Interruption Insurance
  • Get $0 delivery fees for 12 months from DoorDash
  • Mobile wallets Samsung Pay
Coverage limits

Travel medical. Up to 31 days per trip.

Not included

Not listed for this card: trip cancellation, trip interruption, flight delay, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
$165 a year
Purchase interest
20.5%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$75
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,605 year one, $605 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the RBC British Airways Visa Infinite?

$165 a year. Each extra card costs $75.

How much is the RBC British Airways Visa Infinite welcome offer worth?

50,000 Avios after you spend $6,000 in the first 3 months, worth about $1,000.

What income do I need?

RBC asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.5% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection and trip cancellation and interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,605
year one for you
Apply now on RBC’s site (opens in a new tab)
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