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

RBCTravel Rewards Card

RBC Avion Visa Infinite Card

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

#7 Rewards

Welcome bonusUp to 70,000 Avion points (confirm current offer terms with RBC)

Apply on RBC’s site →

Goes straight to RBC
Our review

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.

3.9out of 5

MoneyMint rating

#11 of 30 travel rewards cards · How we rate

Rewards value

2/10

Insurance

10/10

Flexibility

9/10

Welcome bonus

10/10

Fee value

10/10

Perks

4/10

≈ $1,163

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/yr per supplementary card

Rewards rate

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

Foreign transaction fee

2.5%over benchmark exchange rate

Income requirement

$60K / $100Kpersonal / household

Rewards

~1.6%on everyday spending (est. value)

Purchase APR 19.99–20.99% · Cash advance APR 22.99%

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: the purchase APR is 20.99%. A rate disclosure PDF still hosted by RBC shows 19.99%, but it is stamped 108416 (052022) and covers the whole Avion family without having been updated since May 2022. We also couldn’t confirm whether the 15,000-point anniversary bonus applies to this card or only to the pricier Infinite Privilege tier — check that one with RBC if it matters to you.

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

Not Sure? Three Cards People Compare It With

All travel cards →

American Express Business Platinum Card

Pick this instead if you want a bigger welcome bonus (~$2,040 est.).

Fee $799Rating 3.9 ★Bonus $2,040

Read review

BMO VIPorter World Elite Mastercard

Pick this instead if most of your spending is groceries (~3% est.).

Fee $199Rating 4.2 ★Bonus $1,050

Read review

RBC Avion Visa Infinite Business Card

Pick this instead if most of your spending is groceries (~2% est.).

Fee $175Rating 4.3 ★Bonus $1,175

Read review

Frequently Asked Questions

Does the RBC Avion Visa Infinite have an annual fee?

Yes — $120/year for the primary cardholder, plus $50/year for each additional supplementary card.

How many Avion points does the RBC Avion Visa Infinite earn?

1.25 RBC Avion points per $1 on travel purchases, and 1 point per $1 on everything else. Points don’t expire as long as the account stays open and in good standing.

What is the welcome bonus on the RBC Avion Visa Infinite?

Up to 70,000 Avion points: 35,000 on approval, 20,000 after spending $5,000 within the first 6 months, plus a 15,000-point bonus on your first account anniversary. Don’t confuse this with the higher-tier Avion Visa Infinite Privilege card’s welcome offer, which is structured differently.

What credit score do you need for the RBC Avion Visa Infinite?

MoneyMint’s research places the recommended credit score in the “Good” range as a general guideline, since RBC doesn’t publish an exact minimum score.

Does the RBC Avion Visa Infinite charge foreign transaction fees?

Yes — around 2.5% over RBC’s benchmark exchange rate on the date of conversion, in line with most Canadian-issued travel cards.