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RBC Avion Visa Infinite Review

⭐ 3.2/5🏦 RBCTravel Rewards Card

RBC Avion Visa Infinite Card

CREDIT CARD REVIEW

🎁 Up to 70,000 Avion points (confirm current offer terms with RBC)

MoneyMint Rating: 3.2/5 — based on our published rating criteria (rewards value, fees, flexibility, and eligibility transparency). Not sponsored by RBC.

The RBC Avion Visa Infinite Card earns 1.25 Avion points per dollar on travel purchases and 1 point per dollar elsewhere, redeemable toward flights on any airline with no blackout dates. It carries a $120 annual fee and a $60,000 personal (or $100,000 household) income requirement. It’s a reasonable pick for RBC customers who want flexible travel redemptions, though a couple of RBC’s own published figures conflict and should be confirmed before applying.

At a Glance

Annual fee

$120/yr$50/yr per supplementary card

Purchase APR

19.99–20.99%RBC’s own sources conflict — confirm before applying

Cash advance APR

22.99%balance transfers appear to follow this rate

Rewards rate

1–1.25 pts/$11.25x on travel, 1x on everything else

Foreign transaction fee

2.5%over benchmark exchange rate

Rewards currency

RBC Avion pointspoints never expire

Income requirement

$60K / $100Kpersonal / household

Issuer

Royal Bank of Canadaminimum credit score not published

Pros & Cons

Pros

  • Flexible flight redemption on any airline, no blackout dates, via RBC’s fixed Air Travel Redemption Schedule
  • Points transfer to WestJet, American Airlines, and British Airways loyalty programs
  • Points never expire while the account is open
  • Solid travel insurance suite: trip cancellation/interruption, emergency medical, baggage/flight delay, auto rental
  • Complimentary 1GB of data for 15 days, Visa Infinite Concierge, and 12 months of DoorDash subscription

Cons

  • $120 annual fee ($50 for each supplementary card)
  • Base earn rate outside travel purchases is only 1 point/$1
  • No airport lounge access — reserved for the pricier Infinite Privilege tier
  • “Taxes and fees extra” on redemptions — points don’t cover the full cost
  • RBC’s own purchase APR figures conflict (19.99% vs. 20.99%) — confirm before applying

Rewards & Earn Rates

✈️ Travel purchases1.25 points/$1travel-related merchant categories
🛍️ All other purchases1 point/$1no cap found
🏨 Non-flight travel redemption100 pts = $1flight redemption follows a separate fixed schedule; exact chart not published

Points never expire while your account remains open, and flight bookings via the Air Travel Redemption Schedule have no blackout dates or seat restrictions across 500+ airlines.

Note: RBC’s own official sources disagree on this card’s purchase APR (19.99% in the rate disclosure PDF vs. 20.99% on the live product page) and on the welcome offer’s exact expiry date. We also couldn’t confirm whether the 15,000-point anniversary bonus applies to this card or only to the pricier Infinite Privilege tier. Confirm current terms directly with RBC before applying.

Perks & Benefits

Travel Perks

  • Visa Infinite Hotel Collection & Dining Series access
  • Visa Infinite Concierge, 24/7 toll-free in Canada/U.S.
  • Complimentary 1GB of data for 15 days
  • 12 months complimentary DoorDash subscription
  • Petro-Canada 3¢/litre fuel discount

Coverage & Fees

  • Travel accident, emergency medical, trip cancellation/interruption, baggage/flight delay insurance
  • Auto rental collision/damage insurance
  • Mobile device, purchase security, and extended warranty insurance

Worth Knowing

  • No airport lounge access on this specific card
  • Insurance coverage limits/day caps weren’t itemized in the official sources reviewed
  • Balance transfer APR not published as a distinct rate

Who It’s For

Best For

  • RBC customers who want flexible flight redemptions without blackout dates
  • Travelers who value points that never expire and transfer to airline partners
  • Applicants who meet the $60K/$100K income bar and can offset the $120 fee with travel spend

Not For

  • Anyone who wants airport lounge access (needs the pricier Infinite Privilege card)
  • No-fee-card shoppers — this card carries a real annual cost
  • Applicants below the $60K personal / $100K household income threshold
RBC Avion Visa Infinite Card credit card
IssuerRoyal Bank of Canada
Annual fee$120/yr
Welcome bonusUp to 70,000 Avion points
Foreign transaction fee2.5%
See official card details →

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.

Key Drawbacks to Know Before Applying

This card carries a real $120 annual fee, and RBC’s own published figures aren’t fully consistent — we found conflicting purchase APRs (19.99% vs. 20.99%) and conflicting welcome-offer expiry dates across RBC’s official pages, so confirm both directly with RBC before applying. There’s no airport lounge access on this specific card (that’s reserved for the pricier Infinite Privilege tier), and redemptions still carry taxes and fees on top of your points. The $60,000 personal / $100,000 household income requirement also puts it out of reach for some applicants who’d otherwise like the flexible flight redemption.

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.