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Mr. Loonie
RBC Avion Visa Infinite

RBC Avion Visa Infinite

7.9
Good
Expert Score · 11 reviews How we score

Best for: Travellers who want flexible Avion points and solid travel insurance

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
$1,623
Every year after
$568

Ranked #7 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$935
All of year one’s offer. Up to 70,000 Avion points.
Annual fee
$0 first year
Then $120 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 $500 or more a month on travel?

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: 1.25 points per $1 on travel At our value for these points, that’s about 2.1% back.
  • Good: No fee in the first year Then $120 a year.
  • Good: Welcome offer up to 70,000 Avion points About $1,190 at our value for these points.

Watch for

  • Watch for: $120 a year from year two You need about $500 a month on travel 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.

Avion points valued at 1.7¢ each.

  • Groceries $163
    1 point per $1 · 1.7% back $800 a month · 9,600 Avion points a year
  • Restaurants $51
    1 point per $1 · 1.7% back $250 a month · 3,000 Avion points a year
  • Gas $51
    1 point per $1 · 1.7% back $250 a month · 3,000 Avion points a year
  • Recurring bills $51
    1 point per $1 · 1.7% back $250 a month · 3,000 Avion points a year
  • Travel $38
    1.25 points per $1 · 2.1% back $150 a month · 2,250 Avion points a year
  • Everything else $133
    1 point per $1 · 1.7% back $650 a month · 7,800 Avion points a year
  • Foreign currency $31
    1 point per $1 · 1.7% back $150 a month · 1,800 Avion points a year
For you Year one Later years
Points you earn30,450 Avion points a year, at 1.7¢ each $518 $518
Welcome offer55,000 Avion points you’d reach $935 $0
Annual fee $0 −$120
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
Phone insurance$60 a year $60 $60
Total $1,623 $568

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
Travel
1.25 points per $1 On eligible travel related purchases
Everything else (base rate)
1 point per $1
  • Earn more Be Well points at Rexall – link this card with your Be Well card to:
    • 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; 25,000 Be Well points = $10
  • Instant Fuel Savings at Petro-Canada – link your card and get the following:
    • Instantly save 3¢/L on fuel and always earn 20% more Petro-Points
    • Always earn 20% more Avion points
How Avion points work, and why 1.7¢

We count Avion points at 1.7¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.58¢ to 2.3¢.

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 full offer?

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

  1. 1

    35,000 Avion points · about $595

    Get approved for the card.

    • On purchases within the first 6 months
    • Also receive 35,000 points within 60 days after approval
    • 15,000 one-time anniversary bonus points
  2. 2

    20,000 Avion points · about $340

    Spend $5,000 in your first 6 months.

    You’d reach it in month 2.

  3. 3

    15,000 Avion points · about $255

    Keep the card for a year.

    • account remains open and in good standing; within 12 to 16 weeks after the one-year anniversary

Offer ends Nov 25, 2026.

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

7.9
Good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The RBC Avion Visa Infinite card is the crown jewel of RBC’s credit card lineup, as it always offers a strong welcome bonus and excellent transferable partners in the form of several popular frequent flyer programs. With that in mind, if you are looking for a new travel-focused credit card to add to your wallet, the RBC Avion Visa Infinite Card is a highly recommended choice.”

  • NerdWallet (opens in a new tab) Jan 2026
    9.8

    “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.”

  • Money.ca (opens in a new tab) Jul 2023
    7

    “We recommend the RBC Avion Visa Infinite to those who value flexibility in what they can redeem their points on, who seek insurance coverage for frequent travel outside their province/territory or Canada itself, and who appreciate a big welcome bonus. It’s less suited for those who don’t anticipate spending enough on the card (at least $800 per month) to make up for the $120 annual fee.”

  • SAVVY New Canadians (opens in a new tab) Feb 2023

    “The RBC Avion Visa Infinite Card is an excellent choice if you want to earn Avion points by using your credit card. You can earn 1 Avion point for every $1 you spend. Depending on how much you spend, you can quickly earn enough points to put towards a flight, cruise or another form of travel. And with the addition of other benefits like travel insurance coverage, the RBC Avion Visa Infinite Card is a good choice for frequent travellers.”

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

    “The RBC Avion Visa Infinite Credit Card offers Avion points for every dollar you spend on daily and travel-related purchases. For a $120 annual fee with a welcome bonus of 55,000 points (a value of up to $1,100), this travel card is an excellent choice for a frequent traveler that can take full advantage of its perks. Suppose you’re not interested in redeeming points for tickets. Other ways to enjoy them include purchasing items from Apple and Best Buy, paying credit and household bills, giving to charity donations, and giving gift cards. Another way to enjoy your card is to use it to avail discounts and rewards from Petro-Canada, DoorDash, Hertz, and Rexall. Lastly, the RBC Avion Visa Infinite Credit Card is good for its generous bonuses and insurance coverage to keep you and your family safe and secure.”

  • Rewards Canada (opens in a new tab) Sep 2022

    “The RBC Avion Visa Infinite Card is one of Canada's most popular travel rewards credit cards thanks to its longevity and some hefty marketing dollars spent back in the day to promote the card! It was back in that day when this card reigned supreme by being a front runner in the any travel anywhere category and fired a direct shot at frequent flyer programs which at the time were driving Canadians mad with a lack of award flight availability. The problem is when you get that popular early on you don't think you have to change - in fact an RBC executive once told me this card is a hero product and didn't require any changes but unfortunately that wasn't and still isn't the case. The bank has stood idly by keeping this card the way it has been for the better part of two decades and they have let the competition fly right by them (pardon the pun) with credit cards that can get you a seat on a plane with a lot less spend and with more flexibility.”

What cardholders say

Ratings from people with this card

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Insurance and perks

What comes with it

  • Car rental damage Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical Included
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Hotel burglary Included
  • Extended warranty Included
  • Mobile device Included
  • Trip cancellation insurance
  • Mobile Device Insurance
  • Get $0 delivery fees for 12 months from DoorDash
  • Mobile wallets Samsung Pay
Coverage limits

Travel medical. Up to 15 days per trip.

Not included

Not listed for this card: lost baggage.

Fees and interest

What it costs

Annual fee
$0 first year Then $120 a year
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $120 off (Waived on the first year.)
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: $1,623 year one, $568 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 Avion Visa Infinite?

$0 the first year, then $120 a year. Each extra card costs $50.

How much is the RBC Avion Visa Infinite welcome offer worth?

Up to 70,000 Avion points, about $1,190. You get it in 3 steps: 35,000 Avion points when you are approved; 20,000 Avion points after you spend $5,000 in the first 6 months; 15,000 Avion points on your first card anniversary.

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?

20.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists purchase protection, extended warranty, trip cancellation insurance and mobile device 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

$1,623
year one for you
Apply now on RBC’s site (opens in a new tab)
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