Is the RBC Avion Visa Infinite Credit Card one of the best travel rewards credit cards in Canada? Get all the details in our RBC Avion Visa Infinite review.
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In the credit card world, the RBC Avion Visa Infinite Credit Card stands out in the travel rewards category, notable for its flexibility. RBC Rewards (Avion points) can be redeemed for any seat on any flight on any airline with absolutely no blackout dates. Beyond that, cardholders can transfer their points to other airline rewards programs, redeem points to shop at retailers like Best Buy and the Apple store, or cash in points to pay down their credit card balance. With all these options, cardholders can enjoy their points their way.
Of course, this kind of flexibility comes with a price, and in this case, it’s $120 per year, plus a rather high annual income threshold(Personal: $60,000 or Household: $100,000). We take a closer look at this popular credit card in Canada and ask, “Is it really as good as it looks on paper?”
|The RBC Avion Visa Infinite Credit Card: Summary|
|Welcome Offer Bonus Points: 55,000||Qualifying annual income: Personal: $60,000 or Household: $100,000|
|Annual fee: $120||Recommended credit score: Good;Excellent|
|Purchase interest rate: 19.99%||Rewards: Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.|
The RBC Rewards Program: How It Works
The RBC Rewards program is fairly straightforward--Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases. There aren’t many ways to accelerate your earnings, but if you link the credit card to your Petro-Points account, you can get a discount on gas, plus 20% additional points in both loyalty programs. RBC rewards are valued at approximately $1.14 for every 100 points (or $0.0114 per point—a fairly standard rate for this type of card). Here’s a breakdown of how you can earn points.
- Get up to 55,000 bonus points (a value of up to $1,100), that’s enough to fly anywhere in North America or the Caribbean (taxes and fees extra)! You’ll get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by January 31, 2023. Terms and conditions apply.
- Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.
- The additional 25% on travel-related purchases may include airlines, accommodations, tour operators, cruise lines, travel agencies, and car rental companies. Still, the merchant must be listed in the “travel” category with Visa.
- Connect your RBC card to your Petro-Points for 20% more points.
Where this program really shines is in the redemption process. RBC Rewards are primarily aimed at flights, and with no blackout dates and no seat or airline restrictions, cardholders are free to go wherever they want, when they want, on whatever airline carrier they want. Another bonus: Rewards points are also transferrable to the airline programs for WestJet, British Airways, American Airlines, and Cathay Pacific. Plus, unlike other rewards programs, Rewards points can be applied toward taxes, surcharges, and fees when booking a flight.
Additionally, there are other redemption options through retailers like the Apple Store, T-Fal, and Best Buy, and Avion points can be transferred to HBC Rewards. A cardholder’s points can be used to pay down their credit card balance.
Other Perks of the RBC Avion Visa Infinite
The RBC Avion Visa Infinite Credit Card carries other perks as well.
- Travel insurance: Like many credit cards, this one includes a travel insurance package. But what makes it exceptional is the emergency travel medical coverage that’s included. This rare and valuable perk makes it a winner, especially when paired with the car rental collision and damage, hotel/motel burglary, and trip cancellation/interruption insurance. It’s also important to note that cardholders 65 and under are medically covered for the first 15 days of an out-of-province/Canada trip, and it’s three days for those over 65 years.
- Shopping coverage: Items purchased with the card enjoy protections including 90 days of insurance and extended warranties of up to an additional year.
- Automatic and instant savings on fuel at Petro-Canada: Link the two cards and save $0.03 per litre on fuel—and earn 20% more points in both loyalty programs.
- Credit Card Lock: Temporarily lock your credit card at any time—a handy feature if you believe you’ve lost or misplaced your card but don’t want to take chances while you locate it.
- Visa Infinite: Enjoy events, hotel and dining benefits, and a complimentary concierge.
- Optional extras: Choose to purchase enhanced travel insurance, roadside assistance, insurance on your credit card balance, or identity theft protection.
Pros and Cons
Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options
Partnerships with other retailers like HBC and Petro-Canada
Provides excellent travel insurance
New cardholders earn up to 55,000 points as a welcome bonus
Solid option for looking for a travel-centric points program
The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.
The $120 annual fee isn’t cheap
High annual income requirement: Personal: $60,000 or Household: $100,000
The Verdict: Is the RBC Avion Visa Infinite Credit Card Worth It?
As a travel rewards card, the RBC Avion Visa Infinite Credit Card is a strong choice, especially for those who want flexibility with travel rewards — and even more for members who already shop at partner retailers. We’re loving the hassle-free redemption for travel rewards, such as the no blackout dates or restrictions on flight redemptions. For those with more frugal spending habits, though, there may be better alternatives. Weigh your options and check out these other best travel rewards credit cards in Canada before taking the plunge.
Refer to RBC Page for up to date offer terms and conditions.