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RBC Avion Visa Platinum

RBC Avion Visa Platinum

Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

RBC Avion Visa Platinum
RBCEntry Travel Rewards

RBC Avion Visa Platinum

Our take: strongest for groceries and gas — about 1.6% back in value (est.) for $120 a year, plus a welcome bonus we value at roughly $1,120.

Welcome bonusUp to 70,000 Avion points welcome bonus
Apply on RBC’s site →

  • Goes straight to RBC
  • Our review

The RBC Avion Visa Platinum is the entry point into RBC’s Avion travel rewards ecosystem, offering the same flat 1-point-per-dollar earn rate and airline-partner transfer options as its pricier Visa Infinite siblings, but without an income qualification requirement. In exchange for that lower bar to entry, cardholders give up the richer perks, like elevated travel earn rates, airport lounge access, and concierge service, reserved for the Avion Visa Infinite and Infinite Privilege tiers.

3.5out of 5

MoneyMint rating

#17 of 30 travel rewards cards · How we rate

Rewards value
4/10
Insurance
8/10
Flexibility
9/10
Welcome bonus
10/10
Fee value
10/10
Perks
0/10

≈ $1,394

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

$120/yr$50 per additional cardholder

Rewards Rate

Flat 1 Avion point per $1

Welcome Bonus

Up to 70,000 Avion points

Rewards

~1.6%on groceries (est. value)

Foreign Transaction Fee

2.5%

Credit Score Needed

Good

Purchase APR 20.99%

Pros & Cons

Pros

  • No stated minimum personal or household income requirement, unlike the Infinite and Infinite Privilege tiers
  • Solid built-in travel insurance suite for a card at this fee level
  • Avion points never expire and transfer to several useful airline loyalty programs
  • Includes mobile device insurance

Cons

  • Flat 1x earn rate is behind many competitors and behind RBC’s own Infinite-tier cards, which earn more on travel
  • No airport lounge access, concierge, or the elevated insurance limits found on Infinite Privilege
  • $120 annual fee is meaningful for a card with no bonus spending categories

Rewards & Earn Rates

All eligible purchases1 pt/$1Flat rate, no bonus categories
The purchase APR is 20.99%. A rate disclosure PDF still hosted by RBC shows 19.99%, but that document is stamped 108416 (052022) and has not been refreshed since May 2022 — the live product page is the current figure.

Who It’s For

Best for

  • Consumers who want to build toward RBC Avion travel redemptions but don’t yet meet the income threshold for the Visa Infinite tier
  • Cardholders who value flexible, non-expiring points transferable to airline partners over a high flat cash-back or earn rate

Not ideal for

  • Frequent travelers who qualify for the Avion Visa Infinite or Infinite Privilege and would earn more on travel spend and get lounge/concierge access there instead
  • Anyone prioritizing a high flat earn rate — cards with 1.5%+ flat cash back likely deliver more value for the same annual fee
IssuerRBC
Annual fee$120/yr ($50/supplementary card)
Welcome bonusUp to 70,000 Avion points
Foreign transaction fee2.5%
MoneyMint rating3.5 / 5

Apply on RBC’s site →

This link goes directly to RBC’s official page. MoneyMint doesn’t currently have a paid partnership for this card, so this isn’t a monetized recommendation.

+ Compare with other cards

Not Sure? Three Cards People Compare It With

All travel cards →

American Express Platinum Card

American Express Platinum Card

Pick this instead if you want a bigger welcome bonus (~$2,210 est.).

Fee $799Rating 4.2 ★Bonus $1,700

Read review

WestJet RBC World Elite Mastercard for Business

WestJet RBC World Elite Mastercard for Business

Pick this instead if travel insurance matters more to you.

Fee $175Rating 3.8 ★Bonus $1,000

Read review

CIBC Aventura Visa Infinite Privilege Card

CIBC Aventura Visa Infinite Privilege Card

Pick this instead if travel insurance matters more to you.

Fee $499Rating 4.2 ★Bonus $960

Read review

3.5MoneyMint rating

RBC Avion Visa Platinum

Best for groceries and gas · $120/year · ~$1,120 welcome bonus (est.)

Apply on RBC’s site →Find a better fit

J

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against RBC’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by RBC and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the RBC Avion Visa Platinum?

The RBC Avion Visa Platinum has an annual fee of $120/yr primary; $50 per additional/supplementary cardholder.

What is the rewards rate on the RBC Avion Visa Platinum?

The RBC Avion Visa Platinum offers: 1 Avion point per $1 on all eligible purchases (flat rate, no bonus category)

Does the RBC Avion Visa Platinum have a welcome bonus?

Up to 70,000 Avion points: 35,000 on approval + 20,000 after $5,000 spend in 6 months + 15,000 one-time anniversary bonus after 12 months Offer listed valid through November 25, 2026 on RBC’s own site; double-check before you apply since promotional terms change frequently.

What credit score do I need to qualify for the RBC Avion Visa Platinum?

Generally, you’ll want a good credit score to be considered for the RBC Avion Visa Platinum. Approval also depends on income and overall credit history, not credit score alone.

Does the RBC Avion Visa Platinum charge foreign transaction fees?

2.5%