This article on the credit score needed for the RBC Avion Visa Infinite Card was last verified in August 2026. Income requirements and offers change periodically — confirm current details on RBC’s official card page before applying.
The RBC Avion Visa Infinite Card is one of the most recommended travel rewards cards in Canada, currently offering up to 70,000 Avion points as a welcome bonus. But before you apply, it helps to know roughly where your credit score needs to sit — applying for a card you’re unlikely to be approved for creates a hard inquiry on your credit report for nothing.
Short answer: RBC does not publish a minimum credit score for the Avion Visa Infinite, only an income requirement of $60,000 personal or $100,000 household. Comparable Visa Infinite cards have published minimums in the 725 to 760 range, which is a reasonable benchmark. If your score is below the “good” threshold of 660, building history on an entry-level card first is a safer path than applying for a premium card outright.Key points from this guide · last reviewed Sep 11, 2026
What Credit Score Does RBC Publish for the Avion Visa Infinite?
In simple terms: RBC doesn’t publish an exact minimum credit score for this card. What RBC does publish is an income requirement — a minimum personal income of $60,000, or a minimum household income of $100,000. Credit score is a separate factor the bank weighs alongside your income, existing debt, and credit history when it reviews your application.
So What Score Should You Actually Aim For?
Because “Visa Infinite” is a specific card tier (not just an RBC product), looking at what other Visa Infinite-level cards publish gives a useful benchmark. For comparison, when reviewing options for newcomers to Canada, the Scotiabank Passport® Visa Infinite +* Card — a similar mid-premium travel card — has been cited as requiring a minimum credit score around 725. At the very top of the tier, BMO’s eclipse Visa Infinite Privilege has been cited at a 760 minimum. What this means for you: a score in the “Very Good” range (roughly 725–759) or higher gives you a realistic shot at approval for a Visa Infinite-tier card like the Avion, while a score in the “Good” range (660–724) is more of a toss-up that depends heavily on your income and existing debt.
| Credit Score Range | Band | Approval Odds for a Visa Infinite Card |
|---|---|---|
| 760–900 | Excellent | Strong, assuming income also qualifies |
| 725–759 | Very Good | Good, in line with typical Visa Infinite minimums |
| 660–724 | Good | Possible, but not guaranteed |
| Below 660 | Fair/Poor | Unlikely for this tier |
Quick Tip: your income requirement and your credit score are evaluated together, not separately. Meeting the $60,000/$100,000 income bar with a borderline score can still work in your favour — and vice versa.
What Else RBC Considers Besides Your Score
- Income: the $60,000 personal / $100,000 household minimum is a hard requirement, separate from your credit score.
- Existing debt: your total credit utilization and any existing loan payments factor into approval, even with a strong score.
- Credit history length: a short credit history (under 2–3 years) can work against you even with a technically “good” score.
- Recent applications: several new credit applications in a short window can lower your approval odds temporarily.
What If Your Score Isn’t There Yet?
If you’re below the “Good” range, applying for a premium travel card is likely to result in a decline plus a hard inquiry that can ding your score further. A more realistic path is to build history on a no-fee or entry-level card first, keep your utilization low (ideally under 30% of your limit), and pay every bill on time — then revisit a Visa Infinite-tier card once your score has had time to climb.
Frequently Asked Questions
Does checking my own credit score hurt my chances of approval? No — checking your own score is a “soft inquiry” and has no effect on your credit score, unlike a lender’s “hard inquiry” when you actually apply for a card.
Can I get approved for the RBC Avion Visa Infinite with a score under 700? It’s possible if your income comfortably clears the $60,000/$100,000 requirement and you have little other debt, but approval becomes less predictable the further below “Very Good” your score sits.
Does a rejected application hurt my credit score? The hard inquiry itself has a small, temporary impact regardless of the outcome — being declined doesn’t cause additional damage beyond that inquiry.
Key Takeaways
- RBC doesn’t publish an exact minimum credit score for the Avion Visa Infinite — only an income requirement of $60,000 personal or $100,000 household.
- Comparable Visa Infinite-tier cards have published minimums in the 725–760 range, a reasonable benchmark for approval odds.
- Income, existing debt, and credit history length all factor into approval alongside your score.
- If your score is below “Good” (660), building history on an entry-level card first is a safer path than applying for a premium card outright.