RBC Visa Infinite Avion
Best offer is available publicly

  • Signup bonus: 15,000 Avion points
  • Minimum spending: $0
  • 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


The Bonuses

The standard offer on this card (available on the RBC website) has historically been 15,000 Avion points upon your first purchase. Between 2017 and 2018, there were a few promotional offers floating around with 25,000 points and a first-year fee waiver; however, those seem to have expired, and we now await future offers.

The card comes with a $120 annual fee, although you could try to take advantage of another promotion that's going on, which seems like it hasn't been publicized too widely.

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. However, if it works for you, 15,000 Avion points for $0 upfront is a pretty lucrative deal indeed.


Rewards & Benefits

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, I'd say that 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 Platinum Card for everything else.

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 30% bonus on any Avion points you transfer over to British Airways Avios. The last 50% promotion was offered in late 2016.

These can be some of highest value uses of RBC Avion points. If you signed up via the current 15,000 Avion points offer, for example, and transferred the points over to Avios during a 50% promotion, you'd get 22,500 Avios – good for five one-way short-haul flights and almost enough for a round-trip from the West Coast to Hawaii. That's an incredible deal, especially if you manage to get the annual fee waived through the Visa Infinite "customer war" deal.


British Airways Avios
Unique distance-based redemptions
In-depth guide

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 15,000 Avion points for a flight that costs $350 on-the-dot (excluding taxes and fees), you'll get a value of 2.33 cents per point, which is not bad at all.

The problem is that you're limited to a value of 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

This card requires a minimum annual personal income of $60,000 or a household income of $100,000. Every data point I've seen indicates that RBC are actually quite strict about enforcing the income requirement (unlike some other banks).

You can follow the below link (not a referral link) to the RBC website to apply for the card.

princeoftravel.com/apply/RBCAvion


Any questions? Contact me.