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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).

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:

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:

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.

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.

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

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

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}}.

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

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

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 credit card is a popular travel rewards card in Canada, offering a compelling mix of benefits and earning potential. In this review, we’ll go over the ways you can earn rewards, the key benefits of the card, any drawbacks, and some additional information to help you decide if this card is right for you.

Earning potential with the card

With the RBC Avion Visa Infinite card, you’ll earn 1 RBC Rewards point for every $1 CAD spent on eligible purchases, with no limit to the number of points you can accumulate. Specific categories, however, may have additional benefits.

For example, you can earn 1.25 points per $1 CAD spent on eligible travel purchases. These points can be redeemed for travel rewards such as flights, hotel stays, car rentals, travel packages, and more.

Benefits

1. Flexible Travel Redemptions: One of the strongest advantages of the RBC Avion Visa Infinite card is its travel redemption flexibility. There are no blackout dates or airline restrictions, so you can redeem your points for travel on any major airline at any time. Additionally, points can be used to cover taxes and fees, making it even more convenient and cost-effective.





2. Travel Insurance: The card comes with comprehensive travel insurance, including medical coverage up to $1 million CAD, trip cancellation/interruption insurance, delayed and lost baggage insurance, and more. This benefit offers peace of mind and can save you from purchasing separate travel insurance plans.





3. Airport Lounge Access: RBC Avion Visa Infinite cardholders receive six complimentary airport lounge visits per year, giving you a comfortable space to relax and recharge during your travels. This includes access to over 1,200 Priority Pass airport lounges worldwide.





4. Purchase Protection and Extended Warranty: When you make purchases with the RBC Avion Visa Infinite card, you’re eligible for purchase protection, which covers loss, theft, or damage for purchases made within the last 90 days. You’ll also receive an extended warranty that doubles the manufacturer’s warranty for up to one additional year.

Drawbacks

1. Annual Fee: The RBC Avion Visa Infinite card comes with an annual fee of $120 CAD, which may be a significant drawback for some users. It is important to consider whether the card’s benefits will offset the annual fee for your specific spending patterns and individual needs.





2. Foreign Transaction Fees: This card charges a 2.5% foreign transaction fee on purchases made in a foreign currency. If you frequently travel or make purchases in other currencies, this fee can add up quickly and become a drawback.
   
   There are other credit cards available that do not charge foreign transaction fees, which may be a better choice for international travellers.

Additional information

New cardholders can take advantage of a welcome bonus offering 35,000 RBC Rewards points after making their first purchase within the first three months.

Additionally, the RBC Avion Visa Infinite card is compatible with popular mobile wallet applications such as Apple Pay, Google Pay, and Samsung Pay, allowing for convenient and secure contactless payments.

In conclusion, the RBC Avion Visa Infinite credit card provides a solid earning potential and a variety of travel benefits, making it an attractive option for those who frequently travel or value flexibility in travel rewards redemption.

However, the annual fee and foreign transaction fees may be a drawback for some users. Considering these factors, it’s important to evaluate your spending habits and travel preferences to determine if this card is the right fit for you.

Interested in other credit cards? Canadians that like the RBC Avion Visa Infinite credit card also like the RBC RateAdvantage Visa. If you’re looking for other options you should consider the RBC Cash Back Preferred World Elite MasterCard, and the RBC Visa Platinum Avion.

FAQ

Key benefits

• Earn 2 RBC Rewards points for every $1 spent on eligible travel and dining purchases





• Earn 1.5 RBC Rewards points for every $1 spent on all other eligible purchases





• Receive 35,000 bonus RBC Rewards points upon spending $3,000 in the first three months





• Complimentary 24/7 Visa Infinite Concierge Service for personalized assistance and recommendations





• Access to Luxury Hotel Collection with room upgrades, complimentary breakfast, and more





• Comprehensive travel insurance package including emergency medical and trip cancellation coverage





• Confidently shop with purchase protection and extended warranty benefits





• Points are easily transferable to other airline loyalty programs





• Mobile device insurance for up to $1,500 coverage





• Savings on fuel at participating Petro-Canada locations when linked with your RBC Rewards account





• Modest 3% cash back incentive on foreign luxury purchases





• Access to exclusive Visa Infinite Dining and Wine Country experiences