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

RBCTravel Rewards

RBC British Airways Visa Infinite

Our take: strongest for travel — about 5.1% back in value (est.) for $165 a year, plus a welcome bonus we value at roughly $850.

#6 Travel

Welcome bonusEarn 50,000 bonus Avios as a welcome bonus

Apply on RBC’s site →

Goes straight to RBC
Our review

The RBC British Airways Visa Infinite is a co-branded travel card that earns Avios, British Airways’ loyalty currency, rather than a flexible bank-points program. It carries a $165 annual fee and a minimum income requirement of $60,000 personal or $100,000 household, and its strongest value comes from a 10% discount on British Airways fares and an annual companion voucher for high spenders. Because Avios are tied to the British Airways/oneworld ecosystem and long-haul redemptions carry substantial carrier-imposed fuel surcharges, this card suits committed BA/oneworld flyers more than general travelers looking for a flexible rewards currency.

4.2out of 5

MoneyMint rating

#5 of 30 travel rewards cards · How we rate

Rewards value

4/10

Insurance

10/10

Flexibility

8/10

Welcome bonus

10/10

Fee value

10/10

Perks

4/10

≈ $1,083

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

$165$75 per additional card

Rewards rate

Up to 3 Avios/$1on British Airways purchases

Welcome bonus

50,000 Aviosafter $6,000 spend in 90 days

Rewards

~5.1%on travel (est. value)

Minimum income

$60,000 personalor $100,000 household

Foreign transaction fee

2.5%

Purchase APR 20.50% · Cash advance APR 22.99%

Pros & Cons

Pros

3 Avios per $1 on British Airways and BA Holidays purchases, plus 2 Avios per $1 on dining and food delivery
10% discount on British Airways flight bookings made with the card
Annual companion voucher for cardholders who spend $30,000+ per year, offering meaningful value for frequent BA flyers
Comprehensive travel insurance package including emergency medical, flight delay, baggage, and rental car coverage
Welcome bonus of 50,000 Avios can offset a significant portion of a return reward flight to the UK/Europe

Cons

$165 annual fee is high, and the 1 Avios/$1 base rate on everyday non-bonus spending is unremarkable
No airport lounge access or trip cancellation/interruption insurance included
Avios redemptions on British Airways long-haul flights carry substantial carrier-imposed fuel surcharges that can significantly erode reward value
Value is concentrated in the British Airways/oneworld ecosystem rather than a flexible, transferable points currency
Minimum income requirement ($60,000 personal / $100,000 household) limits eligibility

Rewards & Earn Rates

British Airways / BA Holidays3 Avios/$1

Dining & food delivery2 Avios/$1

All other purchases1 Avios/$1

Avios redemptions on British Airways long-haul flights typically carry significant carrier-imposed fuel surcharges (often several hundred dollars or more), which can substantially reduce the real value of your points. Factor these surcharges into any redemption math before assuming a reward flight is close to “free.” Welcome bonus spend thresholds and offer expiry dates also vary across sources — confirm the current live offer directly on RBC’s official page before applying.

Who It’s For

Best for

Frequent British Airways or oneworld alliance flyers who can use the fare discount and companion voucher
Higher-income Canadians who meet the income threshold and spend regularly on dining
Travelers who value RBC’s Visa Infinite travel insurance and are comfortable navigating Avios surcharges

Not ideal for

Travelers who want a flexible points currency usable broadly across many airlines and hotels
Cost-sensitive cardholders who won’t spend enough on BA or dining to justify the $165 fee
Those who want built-in lounge access or trip cancellation/interruption insurance
Applicants who don’t meet the $60,000 personal / $100,000 household income requirement

Not Sure? Three Cards People Compare It With

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Marriott Bonvoy Business American Express Card

Pick this instead if most of your spending is travel (~4.5% est.).

Fee $150Rating 4.2 ★Bonus $720

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

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Marriott Bonvoy American Express Card

Pick this instead if most of your spending is travel (~4.5% est.).

Fee $120Rating 3.8 ★Bonus $630

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4.2MoneyMint rating

RBC British Airways Visa Infinite

Best for travel · $165/year · ~$850 welcome bonus (est.)

Apply on RBC’s site →Find a better fit

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 British Airways Visa Infinite?

The RBC British Airways Visa Infinite has an annual fee of $165 ($75 per additional card).

What is the rewards rate on the RBC British Airways Visa Infinite?

The RBC British Airways Visa Infinite offers: 3 Avios per $1 on British Airways/BA Holidays purchases; 2 Avios per $1 on dining and food delivery; 1 Avios per $1 elsewhere

Does the RBC British Airways Visa Infinite have a welcome bonus?

50,000 bonus Avios after spending $6,000 on the card within the first 90 days of account opening — RBC says that’s enough for a one-way Reward Flight to London from any Canadian city. Verified on RBC’s official page Sept 10, 2026; RBC lists no end date, but confirm current terms before applying.

What credit score do I need to qualify for the RBC British Airways Visa Infinite?

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

Does the RBC British Airways Visa Infinite charge foreign transaction fees?

2.5% over the benchmark conversion rate