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RBC Visa Platinum Avion Review



Annual Fee


Annual Rewards

15,000 points + $120

Intro Offer


Annual fee


Annual rewards

15,000 points + $120

Intro offer


  • Flexible travel rewards program
  • Redeem points for flights, hotels, and more
  • No blackout dates or airline seat restrictions
  • Every purchase earns RBC Rewards points
  • Comprehensive insurance package
  • RBC’s Points Accelerator feature
  • Complimentary concierge service
  • Points can be transferred to partner loyalty programs


  • Annual fee of $120
  • Minimum income requirement of $60,000/personal or $100,000/household
  • Lesser rewards earning rate on everyday purchases
  • Foreign transactions incur a 2.5% fee
  • Limited bonus earning opportunities
  • Not the best option for cashback-seeking cardholders

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 Visa Platinum Avion has earned a 4.35 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 Visa Platinum Avion are insurance and rewards.

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 Visa Platinum Avion the most important factors for scoring this card are its insurance and rewards.


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

Bills1 point
Pharmacy1 point
Gas1 point
Groceries1 point
Restaurants1 point
Specific Stores1 point
Travel1 point
All Other Spend1 point

Calculating your annual rewards

We estimate that spending $2,000 per month with the RBC Visa Platinum Avion would earn $559 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:

All Other Spend$559

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

This $559 in rewards value puts the RBC Visa Platinum Avion 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 Visa Platinum Avion earns $559 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 Visa Platinum Avion for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Transfer to partner airlines$420
Apply to statement credit$139
Gift cards$173
Air travel – redemptions (scheduled)$559
RBC travel$240
Transfer to WestJet$240
Transfer to Hudson Bay$240
RBC financial products$199

For an annual spend of $24,000, we estimated annual rewards value at up to $559.

That’s equivalent to a 2.33% return on spending.

The RBC Visa Platinum Avion has an annual fee of $120. After deducting this, we predicted net annual rewards of $439.

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 Visa Platinum Avion has a $120 annual fee.

The average card charges $85. So, the RBC Visa Platinum Avion is in the top 30% 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 Visa Platinum Avion scored a 1.9 out of 5 for perks, putting it in the top 40% 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 Visa Platinum Avion charges 1% more than the average.

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

Testing the RBC Visa Platinum Avion with a $2,000 starting balance, you can see in the graph how the 1% 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
Trip Cancellation$1,000$1,500
Trip Interruption$2,500$2,000
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 4.5 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 Score760 – 900
Personal Income$0
Household Income$0
Annual Fee$120
Extra Card Fee$0
Card typeVisa

We scored it 2.5 out of 5 for approval.

We predict that you will require a credit score of at least 760 to qualify for the RBC Visa Platinum Avion, while the average card requires 652 to qualify.

This puts it in the top top 10% of cards by approval difficulty.

The personal income requirements are $0, while the average card requires $23,896.

This puts it in the top 50% of cards by the income required to qualify.

The RBC Visa Platinum Avion credit card is a popular travel rewards card that offers attractive benefits to its users. This comprehensive review will outline the card’s earning potential, four major benefits, two drawbacks, and other relevant information for potential users.

Earning Potential with the Card

The RBC Visa Platinum Avion credit card allows users to earn RBC Rewards points on their everyday purchases. For every $1 spent on travel purchases made through the RBC Rewards portal, cardholders will earn 1.25 points.

For every $1 spent on all other eligible purchases, cardholders will earn 1 point per dollar. The more you use the card, the more points you can accumulate for redeeming on various rewards such as travel, merchandise, and gift cards.


  1. Flexibility In Travel Booking and Redemption: One of the key benefits of the RBC Visa Platinum Avion card is the flexibility it offers in booking and redeeming travel rewards. Cardholders can book flights with any airline, with no blackout dates or seat restrictions.

    This allows users to plan their trips according to their preferences and schedules. Additionally, points can be easily converted to other frequent flyer programs, extending the range of redemption options for users.
  2. Travel Insurance Coverage: RBC Visa Platinum Avion cardholders are provided with a comprehensive suite of travel insurance coverage, which includes travel medical insurance, trip cancellation and interruption insurance, flight delay insurance, and lost or delayed baggage insurance, among others.

    This makes the card a great choice for frequent travelers, as it offers financial protection against unforeseen events that may occur during their trips.
  3. RBC Rewards+ App: Cardholders have access to the exclusive RBC Rewards+ app, which provides a convenient way to manage, track and redeem their Rewards points. This user-friendly app provides an efficient method to browse redemption options available and redeem rewards on-the-go with just a few taps.
  4. Cardholder Security Features: With the RBC Visa Platinum Avion card, users can be confident in their card’s security features. The card is equipped with Chip and PIN technology and Zero Liability protection, ensuring that the cardholder is not held responsible for unauthorized charges.

    To further enhance security, RBC also provides proactive fraud detection and will notify cardholders of suspicious activity.


  1. Annual Fee: A significant drawback of the RBC Visa Platinum Avion credit card is the annual fee of $120. This may deter potential users who are not keen on paying a yearly fee for a credit card. However, it is essential to weigh the range of benefits and rewards offered by the card against this fee to determine its overall value.
  2. Limited Reward Accumulation Categories: Another drawback of the RBC Visa Platinum Avion card is that its reward rates for everyday categories, such as grocery and dining, are limited to 1 point per dollar spent.

    This may be a downside for potential users who are looking to earn increased rewards on specific spending categories.

Additional Information

The RBC Visa Platinum Avion credit card offers several additional benefits such as extended warranty and purchase protection, as well as access to the Visa Infinite Concierge service to help book travel, dining experiences, or event tickets.

Overall, the RBC Visa Platinum Avion card is well-suited for users who are frequent travelers and are looking for flexibility in travel redemptions, comprehensive insurance coverage, and valuable cardholder security features.

Is the RBC Visa Platinum Avion not convincing you? Consider the RBC ION+ Visa or the RBC Cash Back Mastercard. Still not the right credit card? Make sure not to miss the RBC Avion Visa Infinite Privilege.


The RBC Visa Platinum Avion credit card allows you to redeem your points for various rewards, including:

  • Travel: Use your points for flights, hotels, car rentals, cruises, and vacation packages with no blackout dates or restrictions.
  • RBC Rewards Merchandise: Redeem points for gift cards, electronics, appliances, and more from popular brands through the online RBC Rewards catalogue.
  • Mortgage/Credit Line Payments: Apply your points towards your eligible RBC Royal Bank mortgage, personal loan, or Homeline Plan.
  • Investment Funds: Convert your points into eligible RBC investment products such as Guaranteed Investment Certificates or RBC mutual funds.
  • Charitable Donations: Donate your points to support a range of charitable organizations.
  • Pay Bills: Redeem points as a credit on your account statement to cover eligible expenses like other companies’ invoices, tuition fees, or event tickets.

The RBC Visa Platinum Avion credit card has a foreign transaction fee of 2.5% on purchases made outside of Canada, which includes transactions made in a foreign currency both online and in person.

This fee is commonly charged by credit card issuers to cover the costs associated with currency conversion, risk management, and other related expenses when processing international transactions.

The RBC Visa Platinum Avion credit card does not have a specific minimum income requirement; instead, it requires that applicants meet the general eligibility requirements, which include a good credit history and the ability to meet the card’s minimum credit limit which is $5,000.

This allows for more flexible qualification and is one of the aspects to consider when choosing the right card for your financial situation.

Key benefits

  • 15,000 welcome bonus points upon first purchase
  • Infinite concierge service available 24/7
  • 1 RBC Rewards point per dollar spent on everyday purchases
  • 1.25 RBC Rewards points per dollar spent on travel-related purchases
  • Customizable points redemption options
  • Emergency medical coverage up to $1 million
  • Robust trip cancellation/interruption insurance
  • Car rental theft and damage protection
  • Purchase protection and extended warranty coverage
  • Eligibility for RBC Royal Bank’s Customer Appreciation Program
  • Access to Visa Infinite Dining and Hotel Collection
  • Upgradable to RBC Avion Visa Infinite Privilege for additional perks

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