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RBC British Airways Visa Infinite Review



Annual Fee


Annual Rewards

60,000 miles + $120

Intro Offer


Annual fee


Annual rewards

60,000 miles + $120

Intro offer


  • Earn up to 50,000 Avios welcome bonus
  • 2 Avios per $1 spent on British Airways and partner purchases
  • 1 Avios per $1 spent on all other purchases
  • No foreign transaction fees
  • Complimentary Companion Award eVoucher on annual spend of $30,000
  • Comprehensive travel insurance coverage
  • Priority boarding on British Airways flights
  • 10% discount on British Airways flights for primary cardholder


  • $165 annual fee
  • Limited airline rewards options (specifically British Airways and partners)
  • High minimum spend of $30,000 to earn Companion Award eVoucher
  • Lesser value on Avios redemption for non-British Airways flights
  • Not ideal for those who don’t travel frequently with British Airways or its partners

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 RBC British Airways Visa Infinite has earned a 4.21 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the RBC British Airways Visa Infinite are rewards and insurance.

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 RBC British Airways Visa Infinite the most important factors for scoring this card are its rewards and insurance.


With the RBC British Airways Visa Infinite, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1 miles
Pharmacy1 miles
Gas1 miles
Groceries1 miles
Restaurants1 miles
Specific Stores2 miles
Travel1 miles
All Other Spend1 miles

Calculating your annual rewards

We estimate that spending $2,000 per month with the RBC British Airways Visa Infinite would earn $587 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:

Specific Stores$56
All Other Spend$531

Our study investigating the value found that each dollar spent on the RBC British Airways Visa Infinite is worth up to $0.02, depending on how you redeem.

This $587 in rewards value puts the RBC British Airways Visa Infinite in the top 20% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the RBC British Airways Visa Infinite earns $587 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.

SpendThis CardAverage
Above, we’ve calculated the earn rate for the RBC British Airways Visa Infinite for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Transfer to partner airlines$441
Apply to statement credit$146
Gift cards$181
Air travel – redemptions (scheduled)$587
RBC travel$252
Transfer to WestJet$252
Transfer to Hudson Bay$252
RBC financial products$209

For an annual spend of $24,000, we estimated annual rewards value at up to $587.

That’s equivalent to a 2.45% return on spending.

The RBC British Airways Visa Infinite has an annual fee of $165. After deducting this, we predicted net annual rewards of $422.

This puts it in the top 20% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The RBC British Airways Visa Infinite has a $165 annual fee.

The average card charges $85. So, the RBC British Airways Visa Infinite is in the top 20% of cards based on the cost of the annual fee.


We manually review the perks of each credit card to determine how they compare to other cards.

The RBC British Airways Visa Infinite scored a 3.5 out of 5 for perks, putting it in the top 10% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash Advance22.99%
Balance Transfer22.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the RBC British Airways Visa Infinite charges 0.51% more than the average.

For cash advances it costs 22.99% compared to the average of 19.96%.

Testing the RBC British Airways Visa Infinite with a $2,000 starting balance, you can see in the graph how the 0.51% more in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

InsuranceThis CardAverage
Extended Warranty1 Year1 year
Purchase Protection90 days90 days
Travel Accident$500,000$500,000
Emergency Medical Term31 days15 days
Emergency Medical over 657 days4 days
Flight Delay$500$500
Baggage Delay$500$500
Lost or Stolen Baggage$500$1,000
Rental Car Theft & DamageYesNo
Hotel Burglary$2,500$1,000

We scored it 4.0 out of 5 for insurance.

It offers 10 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score660 – 724
Personal Income$60,000
Household Income$100,000
Annual Fee$165
Extra Card Fee$0
Card typeVisa

We scored it 3.0 out of 5 for approval.

We predict that you will require a credit score of at least 660 to qualify for the RBC British Airways Visa Infinite, while the average card requires 652 to qualify.

This puts it in the top bottom 50% of cards by approval difficulty.

The personal income requirements are $60,000, while the average card requires $23,896.

This puts it in the top 20% of cards by the income required to qualify.

The RBC British Airways Visa Infinite credit card is designed for individuals who frequently travel with British Airways and wish to earn rewards towards future flights and other travel perks.

In this review, we will cover the card’s earning potential, four key benefits, two drawbacks, and any additional information that could prove useful when deciding whether this card is the right fit for you.

Earning potential with the card:

The RBC British Airways Visa Infinite credit card offers users the opportunity to earn Avios points, which can be redeemed for flights and other British Airways services. Cardholders earn 2 Avios points for every $1 spent on British Airways purchases and 1 Avios point for every $1 spent on all other purchases.

Although the card does not have bonus earning potential in specific spending categories such as dining or groceries, it compensates by offering an attractive rewards rate for British Airways transactions.


  1. Welcome Bonus: One of the most exciting advantages of the RBC British Airways Visa Infinite credit card is the welcome bonus offer.

    New cardmembers can earn up to 50,000 bonus Avios points upon meeting specific spending requirements during their first three months. This can translate to a significant reward value that may accelerate users towards their travel goals.
  2. Companion Award eVoucher: Cardholders seeking to add a little luxury to their travel experience may appreciate the complimentary Companion Award eVoucher earned annually upon spending $30,000 within a year.

    This eVoucher allows the cardholder to bring a guest on eligible reward flights while only paying for the taxes, fees, and carrier charges of the companion ticket.
  3. Discount on British Airways Flights: Another appealing advantage of the RBC British Airways Visa Infinite credit card is the 10% discount provided on British Airways flights for bookings between Canada, the United States, and the United Kingdom.

    By applying the unique promotion code provided by cardmembers, this discount can help save users a substantial amount on flight expenses.
  4. Travel Insurance Package: This card comes with an excellent travel insurance package, including coverage for travel medical, trip cancellation/interruption, delayed or lost baggage, and car rental insurance.

    These additional protections provide peace of mind to cardholders and can save money on the cost of a potential mishap or inconvenience while travelling.


  1. Drawback 1: A notable drawback of the RBC British Airways Visa Infinite credit card is its annual fee of $165. The card offers a fantastic suite of rewards and benefits, but individuals who do not travel frequently may find it difficult to justify the cost.
  2. Drawback 2: Another disadvantage is the limited earning potential of the card concerning non-British Airways expenditures. With no bonus reward rates for other spending categories, this card may not be suitable for individuals seeking a more versatile credit card that offers higher rewards for everyday usage.

Additional information

In conclusion, the RBC British Airways Visa Infinite credit card is an excellent choice for Canadian travellers who fly with British Airways and are eager to earn Avios points towards future flights.

Its benefits, such as the welcome bonus, Companion Award eVoucher, flight discount, and robust travel insurance package, make this card a compelling option for travel enthusiasts.

However, potential users should carefully consider the annual fee and the card’s earning potential within their spending patterns to ensure that the card offers optimal value.

Interested in other credit cards? Canadians that like the RBC British Airways Visa Infinite credit card also like the RBC Avion Visa Infinite. If you’re looking for other options you should consider the WestJet RBC World Elite MasterCard, and the RBC US Dollar Visa Gold.


With the RBC British Airways Visa Infinite credit card, cardholders can redeem their earned Avios points for various rewards, primarily focusing on travel benefits. Some of the prime redemption options include:

  • Flight bookings: Use your Avios points to book flights with British Airways, as well as their OneWorld alliance partners and other airline partners. This allows you to secure flights to destinations across the globe.
  • Upgrade your flight: Redeem your Avios points to upgrade to the next cabin class on British Airways and select partner airlines, enabling a more comfortable and luxurious travel experience.
  • Hotel stays: Avios points can be used for booking hotel accommodations with over 8,000 hotels worldwide, through British Airways’ travel partners.
  • Car rentals: Use your Avios points for car rental bookings with Avis, ensuring seamless transportation at your destination.
  • Experiences: Redeem Avios points for various exclusive experiences and activities, such as dining, wine tasting, or spa visits, to enhance your travel.

The RBC British Airways Visa Infinite credit card does charge a foreign transaction fee. The fee amounts to 2.5% of the converted transaction amount for any purchases made in a foreign currency.

This charge applies whether you are traveling internationally or making a purchase through a non-Canadian merchant online.

The RBC British Airways Visa Infinite credit card has a minimum annual personal income requirement of $60,000, or a minimum household income of $100,000 to be eligible.

Key benefits

  • Up to 50,000 welcome bonus Avios
  • Double Avios on British Airways/partner spending
  • Single Avios on other purchases
  • Foreign transaction fees waived
  • Companion eVoucher at $30,000 yearly spend
  • Extensive travel insurance
  • Expedited British Airways boarding
  • Cardholder-exclusive 10% flight discount
  • $165 yearly fee
  • Specific airline rewards focus
  • Steep Companion eVoucher prerequisite
  • Reduced value for non-British Airways redemptions
  • Limited appeal for non-frequent BA passengers

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