The RBC Avion Visa Infinite is a premium travel rewards credit card designed for Canadians seeking flexibility, a strong travel earning structure and extensive insurance coverage. With a $120 annual fee and income requirements of $60,000 personal or $100,000 household, it sits firmly in the premium category. In return, cardholders earn at least 1 Avion point per dollar on everyday purchases, enhanced rewards on travel spending, access to generous welcome offers and the flexibility of the Avion Rewards program, making it a valuable option for frequent travellers.
RBC Avion Visa Infinite: Main Advantages
- Flexible, high-value travel rewards: Avion points offer multiple redemption paths, including a fixed-point flight chart, a straightforward 100-points-per-dollar model and airline transfer partners.
- Elevated earn rate on travel purchases: Earn 25% more points on qualifying travel, helping frequent travellers accumulate rewards faster when booking flights, hotels and other travel purchases.
- Comprehensive travel and purchase insurance: Includes emergency medical coverage, trip cancellation and interruption, flight and baggage protection, rental car insurance, hotel burglary insurance and mobile device coverage.
- No blackout dates on major airlines: Points can be used for flights at any time of year with wide airline availability, making redemptions easier even during high-demand periods.
- Added everyday partnerships and perks: Collaborations with fuel providers and other partners unlock additional savings and bonus points, while Visa Infinite benefits offer premium dining, hotel and entertainment experiences.
Main Disadvantages
- Annual fee and premium positioning: With a $120 annual fee, the card may not be worth it for households that rarely travel or split spending across multiple cards.
- Higher income requirements: Minimum personal and household income thresholds limit accessibility for many Canadians, particularly younger or lower-income applicants.
- Standard earn rate on non-travel purchases: Most everyday purchases earn 1 point per dollar, which is competitive but not as high as some category-focused cards.
- Best value tied to travel redemptions: To maximize value, points should be redeemed for flights or airline transfers; merchandise or statement credits typically yield lower returns.
- Interest costs if you carry a balances: With purchase and cash advance interest rates in the high-teens to low-twenties, carrying a balance can quickly wipe out the value of rewards, making the card a poor fit for anyone who regularly finances purchases over time.
Step-by-Step Application Guide
- Confirm eligibility: Ensure you meet income requirements and have a strong credit history with consistent on-time payments.
- Review the latest offer and terms: Examine the most recent welcome bonus, annual fee details, redemption rules and promotional conditions before applying.
- Gather your personal and financial information: Prepare your legal name, contact details, income, employment information, address history and any details about authorized users.
- Complete and submit your application: Apply online, by phone or at an RBC branch, verifying that all submitted information is accurate. A credit check will be required.
- Await approval and activate your card: Most applicants receive a decision quickly. Once approved, activate your new card and log in to your Avion Rewards account to begin tracking and redeeming your points.
The RBC Avion Visa Infinite is not meant to be a one-size-fits-all card; it is aimed at Canadians who want a premium travel experience grounded in flexibility, strong earn potential and robust protection. If you frequently travel for work or leisure, value the ability to choose almost any airline and want a rewards structure that can adapt to changing plans, this card deserves serious consideration. The key is to approach it strategically: concentrate your spending where it earns the most, redeem points for higher-value travel redemptions and always pay your balance in full to keep interest charges at zero.
Take a moment to review your recent statements and ask yourself how often you fly, how much you spend on travel each year and whether a flexible, point-based approach would support your goals. If the numbers align and you meet the eligibility requirements, the RBC Avion Visa Infinite can serve as a powerful tool for turning everyday spending into future trips, upgrades and memorable experiences. When you are ready, submit your application and let your next journey start with the card in your wallet, not just at the airport gate.
