[wpcode id=\"6346\"]
{{card.name}} Review
![\"\"](\"https://www.dollarwise.ca/wp-content/uploads/2023/06/RBC-Avion-Visa-Infinite-Privilege.png\")
{{card.annualFee}}
Annual Fee
{{card.rewards}}
Annual Rewards
{{card.introOffer}}
Intro Offer
{{card.annualFee}}
Annual fee
{{card.rewards}}
Annual rewards
{{card.introOffer}}
Intro offer
Pros
{{Pros}}
Cons
{{Cons}}
Editorial Note: DollarWise may earn a commission on sales made from partner links on this page.
Performance test results
At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.
You can see our full testing methodology here to learn why we're the most trusted source for credit card reviews.
The {{card.name}} has earned a {{ranking}} DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).
{{factor_score_rewards}}
Rewards
{{factor_score_fee}}
Fees
{{factor_score_perks}}
Perks
{{factor_score_interest}}
Interest rates
{{factor_score_insurance}}
Insurance
{{factor_score_acceptance}}
Acceptance
{{factor_score_approval}}
Approval
The highest scoring categories for the {{card.name}} are {{score_1}} and {{score_2}}.
These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.
This weighting allows us to judge cards on their merits and the customers they are designed for.
For the {{card.name}} the most important factors for scoring this card are its {{score_1}} and {{score_2}}.
Rewards
With the {{card.name}}, here's the rates at which you earn rewards for different spending categories per dollar you spend:
| Bills | {{reward_bills}} |
| Pharmacy | {{reward_drug}} |
| Gas | {{reward_gas}} |
| Groceries | {{reward_grocery}} |
| Restaurants | {{reward_restaurant}} |
| Specific Stores | {{reward_store}} |
| Travel | {{reward_travel}} |
| All Other Spend | {{reward_other}} |
Calculating your annual rewards
We estimate that spending {{monthlyspend}} per month with the {{card.name}} would earn {{card.rewards}} in rewards over the year.
Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.
We found that you'd earn this per category:
| Bills | {{bills_dollarrewards}} |
| Pharmacy | {{drug_dollarrewards}} |
| Gas | {{gas_dollarrewards}} |
| Groceries | {{grocery_dollarrewards}} |
| Restaurants | {{restaurant_dollarrewards}} |
| Specific Stores | {{store_dollarrewards}} |
| Travel | {{travel_dollarrewards}} |
| All Other Spend | {{other_dollarrewards}} |
Our study investigating the value found that each dollar spent on the {{card.name}} is worth up to {{card.max_reward}}, depending on how you redeem.
This {{card.rewards}} in rewards value puts the {{card.name}} in the {{decile.annual_rewards}} of credit cards in Canada based on rewards earned.
The average credit card in our database earns {{averages.mean_annual_rewards}} in rewards for the same spend that the {{card.name}} earns {{card.rewards}} in rewards value.
![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2024/01/RBC-Avion-Visa-Infinite-Privilege_rewards_comparison.svg\")
We can compare this card to other options by looking at the earn rate by category.
This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.
For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.
In this example, that's a 10% earn rate on gas.
| Spend | This Card | Average |
|---|---|---|
| Bills | {{bills_earnrate}} | {{averages.mean_bills_earnrate}} |
| Pharmacy | {{drug_earnrate}} | {{averages.mean_drug_earnrate}} |
| Gas | {{gas_earnrate}} | {{averages.mean_gas_earnrate}} |
| Groceries | {{grocery_earnrate}} | {{averages.mean_grocery_earnrate}} |
| Restaurant | {{restaurant_earnrate}} | {{averages.mean_restaurant_earnrate}} |
| Store | {{store_earnrate}} | {{averages.mean_store_earnrate}} |
| Travel | {{travel_earnrate}} | {{averages.mean_travel_earnrate}} |
| Other | {{other_earnrate}} | {{averages.mean_other_earnrate}} |
| Redemption method | Annual rewards |
|---|---|
| Transfer to partner airlines | {{transfer_airlines}} |
| Fixed points travel | {{fixed_points_travel}} |
| Transfer to partner hotels | {{transfer_hotel}} |
| Redeem for travel | {{redeem_travel}} |
| Apply to statement credit | {{statement_credit}} |
| Ticketmaster | {{ticketmaster}} |
| Charity | {{charity}} |
| Gift cards | {{gift_cards}} |
| Amazon.ca | {{amazon}} |
| Merchandise | {{merchandise}} |
| Make investments | {{investments}} |
| Enjoy experiences | {{experiences}} |
| Car rentals | {{car_rental}} |
| Vacations | {{vacation}} |
| Attractions | {{attractions}} |
| Cash rewards | {{cash_rewards}} |
| Grocery rewards | {{grocery_rewards}} |
| Restaurant rewards | {{restaurant_rewards}} |
| Movie rewards | {{movie_rewards}} |
| Apple / BestBuy | {{apple_bestbuy}} |
| Flight rewards | {{flight_rewards}} |
| Airlines Rewards (Charts) | {{airlines_rewards_chart}} |
| CIBC financial products | {{cibc_financial_products}} |
| Air travel - redemptions (scheduled) | {{air_travel_redemptions_schedule}} |
| RBC travel | {{rbc_travel}} |
| Transfer to WestJet | {{transfer_westjet}} |
| Transfer to Hudson Bay | {{transfer_bay}} |
| RBC financial products | {{rbc_financial_products_rewards}} |
| Air Canada gift cards | {{aircanada_gift_card}} |
| Air Canada vactions | {{air_canada_vacations}} |
| Electronics gift cards | {{electronics_gift_cards}} |
| Cash - World Elite | {{cash_worldelite}} |
| Cash - Platinum Plus | {{cash_platinumplus}} |
| Banking plans | {{banking_plans}} |
| Desjardins financial products | {{desjardins_financial_products}} |
| Expedia travel | {{expedia_td}} |
| Educational rewards | {{education_rewards}} |
| HSBC financial products | {{hsbc_financial_products}} |
| Walmart | {{walmart_rewards}} |
| Triangle (Canadian Tire) | {{triangle_rewards}} |
| Meridian travel | {{meridian_travel}} |
| Direct deposit | {{direct_deposit_rewards}} |
| Costco gift cards | {{costco_gift_cards}} |
| Wireless Rogers rewards | {{wireless_rogers_rewards}} |
| 1 Rogers rewards | {{1_roger_rewards}} |
| Other Rogers rewards | {{other_roger_rewards}} |
| Other 1 Rogers rewards | {{other_1_roger_rewards}} |
For an annual spend of {{annualspend}}, we estimated annual rewards value at up to {{total_net_rewards}}.
That's equivalent to a {{total_earn_rate}} return on spending.
The {{card.name}} has an annual fee of {{card.annualFee}}. After deducting this, we predicted net annual rewards of {{net_after_fee}}.
This puts it in the {{decile.net_annual_rewards}} of credit cards for net rewards after fees.
In comparison, the average card earns net annual rewards of {{averages.mean_net_annual_rewards}}.
Fees
The {{card.name}} has a {{card.annualFee}} annual fee.
The average card charges {{averages.mean_annual_fee}}. So, the {{card.name}} is in the {{decile.annual_fee}} of cards based on the cost of the annual fee.
Perks
![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2024/01/RBC-Avion-Visa-Infinite-Privilege_perk_score.png\")
We manually review the perks of each credit card to determine how they compare to other cards.
The {{card.name}} scored a {{factor_score_perks}} out of 5 for perks, putting it in the {{decile.factor_score_perks}} of cards.
The average card scores {{averages.mean_factor_score_perks}} out of 5 for perks.
Interest Rates
| Purchase | {{purchase_interest_rate}}% |
| Cash Advance | {{cash_advance_interest_rate}}% |
| Balance Transfer | {{balance_transfer_interest_rate}}% |
The average (median) credit card has a purchase interest rate of {{averages.median_purchase_interest_rate}} and so the {{card.name}} charges {{purchase_interest_diff}} than the average.
For cash advances it costs {{cash_advance_interest_rate}}% compared to the average of {{averages.mean_cash_advance_interest_rate}}.
![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2024/01/RBC-Avion-Visa-Infinite-Privilege_interest_accumulated_difference.jpg\")
Testing the {{card.name}} with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.
Insurance coverage
| Insurance | This Card | Average |
|---|---|---|
| Extended Warranty | {{warranty}} | {{averages.median_warranty}} |
| Purchase Protection | {{purchase_protection}} | {{averages.median_purchase_protection}} |
| Travel Accident | {{travel_accident}} | {{averages.median_travel_accident}} |
| Emergency Medical Term | {{emergency_medical_term}} | {{averages.median_emergency_medical_term}} |
| Emergency Medical over 65 | {{emergency_medical_65}} | {{averages.median_emergency_medical_65}} |
| Trip Cancellation | {{trip_cancellation}} | {{averages.median_trip_cancellation}} |
| Trip Interruption | {{trip_interruption}} | {{averages.median_trip_interruption}} |
| Flight Delay | {{flight_delay}} | {{averages.median_flight_delay}} |
| Baggage Delay | {{baggage_delay_insurance}} | {{averages.median_baggage_delay_insurance}} |
| Lost or Stolen Baggage | {{stolen_baggage}} | {{averages.median_stolen_baggage}} |
| Event Cancellation | {{event_cancel}} | {{averages.median_event_cancel}} |
| Rental Car Theft & Damage | {{rental_theft_damage}} | No |
| Rental Car Personal Effects | {{rental_personal}} | {{averages.median_rental_personal}} |
| Rental Car Accident | {{rental_accident}} | {{averages.median_rental_accident}} |
| Hotel Burglary | {{hotel_burglary}} | {{averages.median_hotel_burglary}} |
| Mobile Phone Insurance | {{mobile_insurance}} | {{averages.median_mobile_insurance}} |
| Personal Effects Insurance | {{personal_effects}} | {{averages.median_personal_effects}} |
| Price Protection Insurance | {{price_protection}} | {{averages.median_price_protection}} |
We scored it {{factor_score_insurance}} out of 5 for insurance.
It offers {{insurance_count}} types of insurance, whereas the average card has {{averages.insurance_count}} types of coverage.
Approval and qualifying
| Do I qualify? | |
|---|---|
| Estimated Credit Score | {{credit_score_low}} - {{credit_score_high}} |
| Personal Income | {{personal_income}} |
| Household Income | {{household_income}} |
| Fees | |
|---|---|
| Annual Fee | {{card.annualFee}} |
| Extra Card Fee | $0 |
| Card type | {{card_type}} |
We scored it {{factor_score_approval}} out of 5 for approval.
We predict that you will require a credit score of at least {{credit_score_low}} to qualify for the {{card.name}}, while the average card requires {{averages.mean_credit_score_low}} to qualify.
This puts it in the top {{decile.credit_score_low}} of cards by approval difficulty.
The personal income requirements are {{personal_income}}, while the average card requires {{averages.mean_personal_income}}.
This puts it in the {{decile.personal_income}} of cards by the income required to qualify.
The RBC Avion Visa Infinite Privilege credit card is a popular option for Canadians who seek rewards and luxury travel experiences. In this review, we will examine the earning potential, four significant benefits, and two drawbacks of using this card.
Lastly, we will mention any additional information that could assist potential users in their decision-making process.
Earning potential with the card:
The RBC Avion Visa Infinite Privilege card allows cardholders to earn RBC Rewards points as they make purchases. Earn 1.25 points per dollar spent on travel, 1.25 points per dollar on dining, and 1 point per dollar on all other eligible purchases. These points can be redeemed for various rewards, including travel, merchandise, and gift cards.
Additionally, users receive a welcome bonus of up to 50,000 points upon signing up.
Benefits
- Travel perks and upgrades – This card offers significant advantages for frequent travelers with a range of benefits such as priority boarding, access to over 1,300 airport lounges worldwide through Priority Pass membership, and complimentary upgrades on select airlines.
These perks can enhance the overall travel experience for cardholders. - Flexible point redemption – The RBC Rewards program allows for flexible point redemption. This means that cardholders can redeem their points with any airline, anytime, without any blackout dates or restrictions.
Additionally, points can easily be converted to multiple airline rewards programs like WestJet, British Airways, and American Airlines. - Comprehensive insurance coverage – The Avion Visa Infinite Privilege card offers an extensive suite of travel insurance benefits, including emergency medical coverage, trip cancellation and interruption protection, and rental car insurance. This coverage provides cardholders with peace of mind when traveling.
- Premium suite of Visa Infinite Privilege benefits – In addition to the travel perks mentioned earlier, cardholders can also access a wide range of exclusive services and experiences through the Visa Infinite Privilege program.
These benefits include dedicated concierge services, luxury hotel privileges, and exclusive dining and entertainment experiences.
Drawbacks
- High annual fee – One significant drawback of the RBC Avion Visa Infinite Privilege card is its substantial annual fee of $399. This fee may deter potential cardholders who are not confident they will make optimal use of the card’s rewards and benefits.
- Moderate earn rate – While this card does offer a decent earning rate, especially for travel and dining purchases, some competitors’ cards may provide higher overall earn rates, making it essential for potential users to compare various options before settling on a card.
Additional information:
Cardholders also enjoy a valuable annual companion fare for travel within North America, starting at $199 plus taxes and fees. This perk can significantly offset the card’s annual fee if used strategically.
In summary, the RBC Avion Visa Infinite Privilege card is an excellent choice for frequent travelers seeking luxury travel experiences and robust insurance coverage. However, potential cardholders should weigh the high annual fee against the benefits and earning potential relative to other credit card options.
Interested in other credit cards? If the RBC Avion Visa Infinite Privilege credit card isn’t perfect for you, you might want to consider the RBC British Airways Visa Infinite. Plus, many Canadian’s that like the RBC Avion Visa Infinite Privilege like the RBC ION+ Visa, and the RBC US Dollar Visa Gold.
FAQ
With the RBC Avion Visa Infinite Privilege credit card, you can redeem your points for a variety of rewards, including:
- Travel Rewards: You can use your points to book flights, hotels, car rentals, cruises, and vacation packages through RBC’s online travel portal or by calling the RBC Rewards Centre.
Points can be redeemed for travel on any airline with no blackout dates or seat restrictions. You also have the option to transfer your points to other popular frequent flyer and hotel loyalty programs. - Merchandise and Gift Cards: The RBC Rewards Centre offers a wide selection of merchandise and gift cards from popular retailers and brands, allowing you to shop for items like electronics, home goods, fashion accessories, and more using your points.
- RBC Financial Rewards: You can also use your points to pay down your credit card balance, contribute to an eligible RBC investment account, or pay for other financial products and services available through RBC.
- Charitable Donations: If you prefer to use your points for a good cause, you can choose to donate them to one of RBC’s supported charities.
In summary, the RBC Avion Visa Infinite Privilege card offers versatile and valuable redemption options that cater to a wide range of cardholder preferences, making it an excellent choice for those who want to maximize their reward potential.
The RBC Avion Visa Infinite Privilege credit card does have foreign transaction fees. Any purchases made in a foreign currency while using this card are subject to a 2.5% fee on top of the converted amount.
This fee is applicable when making purchases outside of Canada or on foreign websites that charge in a currency other than Canadian dollars.
Yes, the RBC Avion Visa Infinite Privilege credit card has a minimum income requirement. Applicants are required to have an individual annual income of at least $200,000 or a combined annual household income of at least $200,000 to be eligible for this card.
Key benefits
- Card type: Visa Infinite Privilege
- Interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers
- Welcome bonus: Up to 50,000 RBC Rewards points
- Minimum credit limit: $15,000
- Earn a bonus of 20,000 RBC Rewards points with your first purchase
- Access to Visa Infinite Privilege Concierge Services
- Mobile device insurance coverage up to $2,500
- Emergency medical coverage for the first 31 days of travel
- Trip cancellation/trip interruption insurance up to $5,000 per person
- Unused/restricted airline ticket insurance up to $2,500 per person
- Car rental collision/loss damage insurance for rentals up to 48 days
- Hotel/Motel burglary insurance up to $2,500
- Purchase protection and extended warranty benefits