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Mr. Loonie
RBC Avion Visa Platinum

RBC Avion Visa Platinum

7.2
Good
Expert Score · 4 reviews How we score

Best for: Avion points collectors who want travel insurance without an income requirement

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
$1,385
Every year after
$450

Ranked #15 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
$120 a year
Apply now on RBC’s site (opens in a new tab)
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
2 quick questions

Is it for me?

Do you spend $600 or more a month on everything?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • 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 You need about $600 a month on everything 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 $31
    1 point per $1 · 1.7% back $150 a month · 1,800 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 earn30,000 Avion points a year, at 1.7¢ each $510 $510
Welcome offer55,000 Avion points you’d reach $935 $0
Annual fee −$120 −$120
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $1,385 $450

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
Everything else (base rate)
1 point per $1
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
    • Get 35,000 on your approval
    • Get another 15,000 one-time anniversary bonus
  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.

    • one-year anniversary of your account opening

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
  • 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

7.2
Good
Expert Score How we score
  • Yore Oyster (opens in a new tab) Oct 2022

    “The RBC Avion Visa Platinum Credit Card is worth it because it offers 1 Avion point per $1 spent on purchases which you can redeem for any merchandise, travel purchases, or bill payments. You can also earn a reward rate of up to 1.5% on purchases when redeemed at Expedia for TD purchases. In addition, there is a welcome bonus of up to 55,000 Avion points if you get approved with the credit card.”

  • Finder (opens in a new tab) Jan 2021

    “RBC Avion Visa Platinum Card makes redeeming travel rewards quick and easy. Just keep in mind the annual fee and interest rate payments on outstanding balances before you make a final decision on whether to apply.”

  • My Rate Compass (opens in a new tab) Sep 2020
    7

    “Overall, the RBC Avion Visa Platinum has many benefits, especially for those who have caught the travel bug! Although, if you aren’t willing to spend a lot to earn the points you need for a vacation, this card might not be right for you.”

  • creditcardGenius (opens in a new tab) Sep 2020
    6.6

    “The RBC Visa Platinum Avion card is like the RBC Visa Infinite Avion's twin. In fact, it almost feels like they're the same card. Same annual fee, same sign-up bonus, same earn rate, and almost the same insurance package (the Visa Infinite version includes Emergency Medical and the Platinum version doesn’t). Where the Platinum gets its edge, however, is that it doesn’t come with a $60,000 minimum personal income requirement, making it more accessible to more Canadians.”

What cardholders say

Ratings from people with this card

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

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Car rental damage Included
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Hotel burglary Included
  • Trip Cancellation and Interruption Insurance
  • Get $0 delivery fees for 12 months from DoorDash
  • Mobile wallets Apple Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read RBC’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
$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
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: $1,385 year one, $450 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 Platinum?

$120 a year. Each extra card costs $50.

How much is the RBC Avion Visa Platinum 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.

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 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

$1,385
year one for you
Apply now on RBC’s site (opens in a new tab)
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