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RBC Avion Visa Infinite Credit Card Review for 2023

If you enjoy flying, the RBC Avion Visa Infinite is worth considering as your next credit card.

With this card, you can earn Avion points on all your spending, which you can quickly and easily redeem for flights and other types of travel, including cruises.

But is the RBC Avion Visa Infinite right for you?

In this RBC Avion Visa Infinite Credit Card review, we look at its main features, pros and cons, and alternative credit cards to help you make your decision.

RBC Avion Visa Infinite Credit Card – Summary

RBC Avion Visa Infinite Card

Competitive RBC rewards credit card

Annual fee: $120

Rewards: Earn 25% extra points on travel-related purchases.

Interest rates: 19.99% on purchases and 22.99% on cash advances.

Minimum income requirement: A minimum annual personal income of $60,000 or household income of $100,000.

Recommended credit score:
660
900

Good or better

RBC Avion Visa Infinite Card

On RBC’s website

  • Earn 1 Avion point for every dollar you spend.
  • Get 25% extra points on eligible travel-related purchases.
  • Redeem your points for air travel, with flights as low as 15,000 Avion points, or other merchandise, gift cards, or vouchers.
  • Cash in points toward paying off your credit card balance.
  • Use points to fly with any airline at any time of the year, including during peak travel seasons.
  • A minimum annual personal income of $60,000 or household income of $100,000 is required to apply.

Competitive purchase APR at 19.99%

Attractive point redemption options

 Earn points across spend categories

Limited insurance benefits

Minimum income requirement may be restrictive

The RBC Avion Visa Infinite Card provides attractive point redemption options for frequent flyers. With a manageable annual fee, it’s a good option for those who will maximize its rewards system by spending on travel.

Benefits of the RBC Avion Visa Infinite Credit Card

There are several RBC Avion Visa Infinite benefits you can enjoy when you use this card:

  • You will earn 1 Avion point for every $1 spent on any category of spending. However, you can earn even more by getting an extra 25% on travel-related purchases.
  • You can use your Avion points for any airline and flight without restrictions. This includes travel in peak seasons. As long as there is an open seat, you can fly on it, and there are no seat restrictions or blackouts.
  • You can book flights for as few as 15,000 Avion points, and redeeming your points is easy at the Avion Rewards website.
  • You also get access to the Avion Collection, an exclusive catalogue where you can find experiences and get access to dining, entertainment and activities.
  • RBC Offers include personalized offers for several brands, so you can check them out before shopping to make savings or earn bonus points.
  • You can also redeem points for things besides flights. Use your Avion points to spend on Apple products, tech products at Best Buy, RBC Financial Vouchers, gift cards and more.
  • You can easily convert your Avion points to several loyalty programs, including Hudson’s Bay Rewards and WestJet dollars.
  • RBC Avion Visa Infinite insurance coverage includes insurance for mobile devices.
  • You can also benefit from travel insurance coverage, including emergency medical, trip cancellation and trip interruption coverage.
  • Protection is included for eligible purchases you make on the card.
  • Get access to Visa Infinite, which includes events, hotel and dining benefits.
  • You can include several optional extras as add-ons, including RBC Road Assist, identity theft and credit protection, and BalanceProtector Max Insurance.

Downsides of the RBC Avion Visa Infinite Credit Card

  • The annual fee for this credit card is $120, which is fairly high.
  • Additional cards cost $50 each, while many other credit cards provide additional cards for free.
  • The minimum personal income requirement of $60,000 or household income of $100,000 is quite high and may impact whether you are eligible to apply for the credit card.

How to Apply for the RBC Avion Visa Infinite Credit Card

Applying for the RBC Avion Visa Infinite Credit Card is a simple process.

First, check that you meet the requirements, including the minimum personal or household income requirements of $60,000 or $100,000. You also need to be the age of majority in your province or territory and be a Canadian resident.

While not specifically stated, you should also have a good credit score of 660 or more to apply for this credit card.

When you are sure you meet the requirements, you can start the application process online by clicking on the ‘Apply Now’ button.

You will be asked if you are already an RBC client. You can then review the information about the card to make sure you are happy with it. This includes interest rates, the grace period, the minimum payment, foreign currency conversion charges, and more.

You can then go through the process and provide all the information required. RBC claims you will get a response in under 60 seconds.

How to Redeem RBC Avion Points

Redeeming RBC Avion Points is straightforward, and there are several ways to go about it.

First, if you want to redeem points for flights, go to the Air Travel Redemption Schedule. Here, you can find out how many points you need to redeem to travel.

You will see that for ‘Quick Getaways,’ you need 15,000 points, and for the ‘Visit Europe’ option, you need 65,000 points.

You can also redeem your points for other types of travel instead of flights, including hotels, car rentals and cruises. The basic conversion is 100 points for $1 CAD in any of these cases.

When redeeming your points, go to the Avion Rewards website or the Avion Rewards app. Choose from the travel options and use your points on travel purchases, or use your points in the shop for gift cards, merchandise, etc.

You can also use this website to transfer your points if you want to convert them to points or miles from another loyalty program.

RBC Avion Visa Infinite Alternatives

There are several alternatives you might prefer to the RBC Avion Visa Infinite. Here are a few to consider:

RBC Cash Back Preferred World Elite Mastercard

RBC travel credit card

Annual fee: $99

Rewards: 1.5% unlimited cash back

Interest rates: 19.99% for purchases and 22.99% for cash advances (21.99% in Quebec)

Minimum income requirement: $80,000 personal income or $150,000 household income.

Recommended credit score:
660
900

Good or better

image showing RBC Cash Back Preferred World Elite Mastercard

On RBC’s website

  • Earn 1.5% unlimited cash back on all purchases.
  • Save 3¢ per litre on fuel at Petro-Canada.
  • Access to over 1 million Boingo Wi-Fi hotspots around the world.
  • Earn extra Be Well points at Rexall.
  • Free deliveries for 12 months at DoorDash.
  • Mastercard Travel Rewards.
  • Access over 1,300 airport lounges with Mastercard Airport Experiences.
  • Auto Rental Collision/Loss Damage Insurance coverage included.
  • Optional extras are available, including travel insurance coverage and RBC Road Assist.
  • Additional cards are free.

Earn unlimited cash back

Make additional savings at Petro-Canada and Rexall

Access to airport lounges

High annual fee

High income requirements

No option to earn a higher rate of cash back

The RBC Cash Back Preferred World Elite Mastercard is an excellent cash back credit card you can use to earn unlimited cash back at a rate of 1.5% on all your purchases. It’s a shame you can’t increase the earning potential for categories like groceries or gas. But the additional benefits, including the ability to save at Petro-Canada, Rexall and more, make it a great option.

Tangerine World Mastercard

Excellent no-fee cash back card with travel perks

Annual fee: $0

Rewards: Earn up to 2% unlimited cash back in 2-3 spending categories and 0.50% on all other purchases.

Welcome offer: Get an additional 10% cash back valued at $100 in the first 2 months.

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Minimum income requirement: $12,000

Recommended credit score:
660
900

Fair to Good

Tangerine Cash Back Credit Card

On Tangerine’s website

  • No annual fee.
  • Unlimited 2% cash back in two spending categories. Get an extra 2% cash back category when you deposit cash back earned in a free Tangerine savings account.
  • Unlimited 0.50% cash back on all other purchases.
  • Cash back earned is paid out monthly.
  • Complimentary Mastercard® Travel Pass Provided By DragonPass membership with access to over 1,300 airport lounges at $32 USD per visit.
  • Rental car and mobile device insurance are included.
  • Access to over 1 million Wi-Fi hotspots worldwide through Boingo Wi-Fi
  • 1.95% promotional balance transfer for first 6 months; 3% balance transfer fee applies ($5 minimum).
  • Purchase assurance to cover loss, theft or damage of new items purchased using the card for up to 90 days.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
  • Extended warranty for up to one extra year.

No annual fee

Easy access to airport VIP lounges

Car rental and mobile device coverage

High cash back rates with unlimited earning potential

Lacks comprehensive travel benefits

The Tangerine World Mastercard offers premium perks without charging an annual fee. Its competitive cash back earn rate makes it worthwhile for any wallet, and the mobile device and car rental coverage are solid benefits to have up your sleeve.

WestJet RBC World Elite Mastercard

Premium credit card for earning WestJet dollars

Annual fee: $39

Rewards: Earn up to 2% back in WestJet dollars on eligible travel purchases.

Welcome offer: Get up to 450 bonus WestJet dollars in the first 3 months.

Interest rates: 19.99% on purchases and 22.99% on cash advances.

Minimum income requirement: $80,000 for personal income and $150,000 for household income.

Recommended credit score:
660
900

Good or better

westjetrbc mastercard-img

On WestJet RBC’s website

  • Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages.
  • Earn 1.5% back in WestJet dollars on everyday purchases.
  • Redeem WestJet dollars to pay for WestJet flights or WestJet Vacations packages.
  • Bring a friend on vacation with an annual round-trip companion voucher that allows you to purchase discounted tickets for a travel companion.
  • Access comprehensive travel insurance benefits, including emergency medical, trip interruption insurance, hotel burglary, and rental car insurance.
  • Enjoy Mastercard Travel Pass Program provided by DragonPass membership with access to 1,300 airport lounges worldwide.
  • Access to Boingo Wi-Fi for Mastercard Cardholders nearly everywhere you go.
  • Get a Tier Status life with everyday purchases on the WestJet RBC World Elite Mastercard.
  • Your WestJet dollars don’t expire.
  • Instantly save 3¢/L on fuel purchased at Petro-Canada when you link your credit card to your Petro-Canada Card.

Free annual round-trip companion voucher

Access to VIP airport lounges

Comprehensive travel insurance coverage

Reward redemption restricted to WestJet purchases

Spending categories for 2% back are limited

The WestJet RBC World Elite Mastercard is the ultimate card for individuals and couples who frequently fly using WestJet. It offers most of the standard perks you would expect for a travel credit card and has an affordable annual fee.

RBC ION+ Visa

Entry-level RBC credit card

Annual fee: $48

Welcome offer: Get 12,000 bonus Avion points following approval.

Rewards: Earn 3x Avion points per $1 spent on groceries, rides, gas, streaming, subscriptions, digital gaming, and EV charging; 1 Avion point for every $1 spent on all other purchases.

Interest rates: 19.99% on purchases and 22.99% on cash advances.

Minimum income requirement: None

Recommended credit score:
660
900

Good or better

rbc ionplusvisacc-img

On RBC’s website

  • Earn 3 Avion points for every dollar you spend on groceries, rideshare, daily public transit, gas, streaming, subscriptions, and digital gaming.
  • Earn 1 Avion point for every dollar you spend on all other qualifying purchases.
  • Save 3¢/L on fuel purchased at Petro-Canada when you link your credit card to your Petro-Canada Card.
  • Redeem your points for air travel, gift cards, merchandise, statement credits, dining, etc. The minimum redemption is only $10.
  • Get a 3-month complimentary DashPass subscription, valued at almost $30.
  • Offers mobile device insurance and optional travel insurance coverage.
  • Includes Purchase Security and Extended Warranty Insurance.

Competitive purchase APR at 19.99%

Attractive point redemption options

No minimum income threshold

Limited insurance benefits

The conversion rate for points is not as enticing

The RBC ION+ Visa is a step up from the RBC ION Visa, with double the points on specific purchases. It is an excellent choice for students or newcomers looking to get approved for their first credit card in Canada.

Is the RBC Avion Visa Infinite Card Worth It?

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.

RBC Avion Visa Infinite Card vs Alternatives

Credit CardAnnual FeeAPRRewardsMinimum Income
RBC Avion Visa Infinite$12019.99% for purchases and 22.99% for cash advances1 Avion point for every $1 spent$60,000 personal income, $100,000 household income
RBC Cash Back Preferred World Elite Mastercard$9919.99% for purchases and 22.99% for cash advances1.5% unlimited cash back$80,000 personal income, $150,000 household income
Tangerine World Mastercard$019.95% for purchases and cash advancesEarn 0.5% – 2% cash back$60,000 personal income, $100,000 household income
WestJet RBC World Elite Mastercard$11919.99% for purchases and 22.99% for cash advancesGet 1.5% – 2% WestJet dollars on purchases$80,000 personal income, $150,000 household income
RBC ION+ Visa$4819.99% for purchases and 22.99% for cash advances1-3 Avion points for every $1 spentN/A

FAQs

Will my Avion points expire?

Avion points don’t expire as long as your account remains open. If your account is closed, the points will be forfeited after 12 months.

What are the benefits of the RBC Avion Visa Infinite?

The main benefit is that you can earn Avion points. You earn 1 point for every $1 spent, and you can redeem points for flights, travel and more.

Which is best, the RBC Avion Visa Infinite or the RBC Cash Back Preferred World Elite Mastercard?

It depends on your circumstances. If you want to earn Avion points, the ​​RBC Avion Visa Infinite is a good choice. However, if you would prefer to earn cash back on your purchases, the RBC Cash Back Preferred World Elite Mastercard might be a better option.

Related: Best RBC no-fee credit cards.

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Author

Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch is passionate about helping others win with their finances and has been writing about money matters for over a decade. He has been featured or quoted in Forbes, The Globe and Mail, Winnipeg Free Press, Wealthsimple, CBC News, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, and many other personal finance publications. You can learn more about him on the About Page.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

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