Bonuses & Fees
This card is currently offering an all-time high welcome bonus of 35,000 Avion points for new cardholders, a significant improvement from the standard offer of 15,000 points. This limited-time offer has been extended, set to end on November 15, 2021.
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.
With this card you’ll earn 1 Avion point per dollar spent on all purchases. (It seems like the official name is “RBC Rewards points”, but everyone calls them Avion points anyway.)
In terms of everyday spending, this card has a standard earning rate and is on-par with many other entry-level cards. The earning rate is weak and any spending should be directed towards credit cards with higher earning structures, like the American Express Cobalt Card.
There are a variety of ways to redeem RBC Avion points for a high value.
As a transferrable currency, Avion points can be converted into British Airways Avios, Cathay Pacific Asia Miles, and WestJet Rewards at a 1:1 ratio, as well as American Airlines AAdvantage at a 1:0.7 ratio.
Avios, Asia Miles, and AAdvantage will all provide a means to book business class and First Class flights on Oneworld airlines, which will be by far the best value for your Avion points if you’re interested in travelling internationally in style.
Look out for 10–50% transfer bonuses to these partners too, which can boost the value of your points even further.
You can also redeem via the Air Travel Redemption Schedule, which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. As a baseline, you can also apply Avion points to any travel purchase at a rate of 1 cent per point.
Your Avion points never expire for as long as you’re a cardholder. If you cancel or switch to a different RBC product, you have 90 days to redeem your Avion points before they go away.
The RBC Visa Infinite Avion comes with decent insurance coverage, as would be expected for a card with a $120 annual fee:
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 $5,000
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 better than other entry-level travel cards in the market, making it a solid option if you can’t meet the income requirements or if just getting started in the game.