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RBC Avion Visa Infinite

Last updated: May 4, 2021
  • 35,000 RBC Avion points
  • $545 First-year value
Best offer is available publicly until November 15, 2021
Signup bonus:
35,000 Avion points upon approval
Annual fee:
$120
Earning rate:
1.25 Avion points per dollar spent on travel purchases
1 Avion point per dollar spent on all other purchases
Insurance:
Strong

Bonuses & Fees

This card is currently offering an elevated promotional welcome bonus of 35,000 Avion points for new cardholders, a significant improvement from the standard offer of 15,000 points and the highest we’ve ever seen on the card.

This limited-time offer has been extended, now set to end on November 15, 2021. Originally available via a promotional link, it’s now also available on the main card page on RBC’s website.

The annual fee of $120 is not waived for the first year, but the value of the bonus points easily exceeds the costs of getting the card.

Also, the $120 annual fee could potentially be waived by taking advantage of one of RBC’s ongoing promotions – the unadvertised Visa Infinite “customer war” deal.

Basically, many data points indicate that if you call RBC and tell them you are an existing cardholder of a competing Visa Infinite product (such as the TD Aeroplan Visa Infinite or the CIBC Aventura Visa Infinite), RBC will waive the first year annual fee on their own Visa Infinite cards. The success of this “customer war” trick seems to be mixed, and you might need to call in a few times to get an agent who knows about it.

Earning Rewards

With this card you’ll earn 1.25 Avion points per dollar spent on travel-related purchases and 1 Avion point per dollar spent on all other purchases. (It seems like the official name is “RBC Rewards points”, but everyone calls them Avion points anyway.)

In terms of everyday spending, the Avion card is a decent option for shopping at places that don’t accept American Express. Otherwise, I’d still go with a card like the American Express Gold Rewards Card for gas, groceries, and travel purchases or the Business Platinum Card for everything else.

Redeeming Rewards

What can you do with Avion points? The most compelling option is to transfer Avion points to several frequent flyer programs.

The points can be transferred at a 1:1 ratio to British Airways Avios and Asia Miles, at a 100:1 ratio to WestJet Dollars, and at a 10:7 ratio to American Airlines AAdvantage.

You used to be able to transfer to AAdvantage at a 1:1 ratio as well, but unfortunately this was recently devalued. Still, the Avion program can offer an avenue into earning AAdvantage points if you’re keen on flying with some of American’s partners that offer the world’s best travel experiences, like Etihad Airways and Qatar Airways.

Best of all, RBC often puts on 30% or even 50% promotions for transferring points to their partner programs. For example, in their most recent promotion, you’d get a 50% bonus on any Avion points you transfer over to British Airways Avios.

These can be some of highest value uses of RBC Avion points. If you signed up via the current 35,000 Avion points offer, for example, and transferred the points over to Avios during a 50% promotion, you’d get 52,500 Avios – good for a whopping number of short-haul flights, or enough to make significant progress towards a multi-carrier ticket. That’s an incredible deal!

The other way to use Avion points for travel is through their fixed value redemption program. Basically, depending on where you want to go, you can apply a certain number of points to your flight, with a maximum limit on the real-time ticket price. You don’t need to worry about award availability or anything – if there’s an open seat on a flight, it can be booked with Avion.

As you can see, you can sometimes get good value out of this. For example, if you redeem 35,000 Avion points for a flight that costs $750 on-the-dot (excluding taxes and fees), you’ll get a value of 2.14 cents per point, which is not bad at all.

The problem is that you’re limited to a value of roughly 2 cents per point on most of these redemptions (do the math and see). Also, this chart only applies to round-trip flights in economy class, so your potential uses can be rather limited.

Insurance Coverage

The RBC Visa Infinite Avion comes with pretty strong protection, as would be expected for a premium credit card:

  • Emergency medical insurance for the first 15 days of any out-of-province trips

  • Travel accident insurance, covering death or dismemberment, of up to $500,000

  • Car rental collision/loss damage insurance, which allows you to save on the daily insurance charged by car rental companies

  • Trip cancellation insurance of up to $5,000 and trip interruption insurance of up to $25,000

  • Flight delay insurance of up to $500 for reasonable expenses incurred

There’s also a very compelling purchase protection scheme in place that will reimburse you for accidentally lost or damaged personal property within 90 days of purchase, up to a maximum of $50,000 per year, as well as an extended warranty feature that automatically doubles the original manufacturer’s warranty.

Overall, the insurance on this card is on par with other premium cards in the market, making it a solid option for any big purchases.

Apply Now

As a Visa Infinite product, this credit card has a minimum annual income requirement of $60,000 (individual) or $100,000 (household).

Follow the link below to the RBC website to learn more and submit an application for the best available offer of 35,000 Avion points.

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If your income is lower, consider applying for the RBC Avion Visa Platinum instead. The cards are almost identical, except you won't get Visa Infinite benefits.

Follow the below link to the RBC website to learn more about this card and submit an application.

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21 Comments
  1. Rob

    Hi Ricky, Is there a card that has a better return than the 2.14 this one has for long haul in Canada? I currently use my rewards every two years to fly across Canada at Xmas. Family is now 4 travellers and only have points for 3 so looking to maximize.

  2. Gabriel

    I just got approved for the Avion Visa Infinite. I’m interested to see how beneficial the welcome bonus points of 35000 will be when redeeming them for a flight from Toronto to California. Would you suggest to use the points to upgrade my seats? I’m also interested in the cellphone protection insurance as I haven’t seen that offered in other cards.

    1. Ricky YVR

      Points are almost always better spent on making bookings directly rather than upgrading seats.

  3. Bobby

    Just applied and got approved for Avion Visa Platinum, would you say this card is really good if you only want to carry 2 cards in your wallet? (btw my other card is American Express Cobalt Card)

    1. Ricky YVR

      I’d say it’s a decent choice, but you may be able to do better. For example, pairing the Cobalt with the HSBC World Elite would deliver a lot more benefits for your non-Amex spending for only a $49 net annual fee.

  4. Toronto

    I checked flights using Avios search engine going to South America (Buenos Aires) and other destinations. The economy seats are really expensive. It practically makes your points WORTHLESS to use. What’s the point of following this point system if you cant fly where you want to go. It’s better if you stick with cheapflights.com or any of these third-party websites for really cheap flights.

    1. Ricky YVR

      Correct. Points are better used on higher-value trips like business class and First Class.

  5. Lawrence

    Since I hold the rbc rewards+ visa I can’t get the 35000 points welcome bonus l even if I product switch or apply for the avion visa infinite right? So I am basically out of luck?

  6. ART

    Hi Ricky,

    I have this card and received the bonus points. If I use the bonus points then product switch to a card with no AF, is there any chance that they require the points back or something? How long would you hold the card before doing this? I’ve been told by an RBC agent that they’ll provide a pro-rated refund on the AF if I switch.

    1. Ricky YVR

      Unlikely. The safest timeline for such actions is six months, although some users have “gotten away with” shorter timeframes.

  7. Kristian

    Hi Ricky, I just checked out the link to apply for this RBC card but only the standard offer of 15,000 points and no first annual fee rebate is offered. Has this promotion finished already?

    1. Ricky YVR

      Yep. These “mystery links” that pop up never last too long, so now we’re back to the standard offer of 15,000 points + $120 annual fee. Time to wait for the next one!

  8. Louis

    I have the Westjet now, if I make a switch product. Would I be entitled to this 20K promotion?

    1. Ricky YVR

      Most of the time a product switch only gives you the public bonus that isn’t found through a special link – in this case it’d be the usual 15k.

      1. Talha

        And it wouldn’t be FYF right?

        1. Ricky YVR

          Correct.

  9. OttawaAl

    It would appear that the additional 10,000 RBC Avion bonus points (for making purchases of $1000) is no longer on offer. Today, Oct 1, I started to sign up through the link above. The lead page now references the 15,000 bonus only.

    1. Ricky YVR

      Looks like you’re right Al. Back down to 15k it is.

  10. Dean

    Data point for reference: I product switched from the Avios to this and did not receive the bonus points. (But I did receive bonus points when I product switched from the RBC Westjet to the Avios prior to that).

  11. Youness

    Just applied and approved. Thanks for the link

  12. Alison

    Any idea if it’s possible to apply and get the bonus if I already have this card currently open?

Ricky Zhang

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