CIBC Select Visa Card vs RBC Avion Visa Infinite Privilege

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

CIBC Select Visa Card

CIBC Select Visa Card

Annual Fee: $29
Your Monthly Rewards: $0.00
VS
RBC Avion Visa Infinite Privilege

RBC Avion Visa Infinite Privilege

Annual Fee: $399
Your Monthly Rewards: $0.00

Overview

When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.

Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.

CIBC Select Visa Card
Comparison
RBC Avion Visa Infinite Privilege
$0
Rewards
Annual rewards estimate
$0
0/5
Perks
Travel benefits and extras
3.5/5
0/5
Fees
How competitive the fees are
0.5/5
0/5
Approval
How easy it is to get approved
2.5/5
0/5
Insurance
Insurance coverage and benefits
4.9/5
0/5
Acceptance
Where you can use the card
5/5
0/5
Interest rates
How competitive the interest rates are
2.2/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

CIBC Select Visa Card
Details
RBC Avion Visa Infinite Privilege
Visa
Card type
Visa
CIBC
Issuer
RBC
660
Min credit score
725
$15,000
Personal income
$200,000
$0
Household income
$200,000

Rewards

We estimate that spending $2,000 per month with the CIBC Select Visa Card would earn $0 in rewards over the year and with the RBC Avion Visa Infinite Privilege you would earn $0 in rewards.

When you spend using the CIBC Select Visa Card you will earn points called .

When you spend using the RBC Avion Visa Infinite Privilege you will earn points called Avion.

We can also compare the CIBC Select Visa Card vs RBC Avion Visa Infinite Privilege based on the amount earned in each spend category:

Annual rewards by spend category

CIBC Select Visa Card
Rewards
RBC Avion Visa Infinite Privilege
$0
Gas
$30
$0
Bills
$53
$0
Pharmacy
$8
$0
Groceries
$75
$0
Restaurants
$30
$0
Specific Stores
$15
$0
Travel
$15
$0
Other
$75

First, let's look at the actual reward structure for each card:

Raw reward rates

CIBC Select Visa Card
Reward structure
RBC Avion Visa Infinite Privilege
N/A
Gas
1.25 points
N/A
Bills
1.25 points
N/A
Pharmacy
1.25 points
N/A
Groceries
1.25 points
N/A
Restaurants
1.25 points
N/A
Specific Stores
1.25 points
N/A
Travel
1.25 points
N/A
Other
1.25 points

We can also compare the CIBC Select Visa Card vs RBC Avion Visa Infinite Privilege based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

CIBC Select Visa Card
Rewards earn rate
RBC Avion Visa Infinite Privilege
0.0%
Gas
1.3%
0.0%
Bills
1.3%
0.0%
Pharmacy
1.3%
0.0%
Groceries
1.3%
0.0%
Restaurants
1.3%
0.0%
Specific Stores
1.3%
0.0%
Travel
1.3%
0.0%
Other
1.3%

Fees

When it comes to fees, the CIBC Select Visa Card is better than the RBC Avion Visa Infinite Privilege.

The CIBC Select Visa Card charges an annual fee of $29, which is $370 less than the $399 annual fee for the RBC Avion Visa Infinite Privilege. So, if annual fees are important to you, then the CIBC Select Visa Card is the better choice.

CIBC Select Visa Card
Fees
RBC Avion Visa Infinite Privilege
$29
Annual fee
$399
$0
Extra card
$99
0%
Foreign exchange fee
2.5%

Perks

CIBC Select Visa Card
Perks
RBC Avion Visa Infinite Privilege
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither CIBC Select Visa Card nor RBC Avion Visa Infinite Privilege provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

The RBC Avion Visa Infinite Privilege has better interest rates overall than the CIBC Select Visa Card.

The CIBC Select Visa Card charges 13.99 on your credit balance for purchases, which is different from the interest rate on the RBC Avion Visa Infinite Privilege.

It's worth noting that the CIBC Select Visa Card has an interest rate of 0 on any balance you transfer to this card from another credit card. That rate is lower than the 22.99 that is charged on the RBC Avion Visa Infinite Privilege. If you expect to transfer a balance to this card then the CIBC Select Visa Card might save you a lot of money.

CIBC Select Visa Card
Interest Rates
RBC Avion Visa Infinite Privilege
13.99%
Purchases
20.99%
13.99%
Cash advance
22.99%
0%
Balance transfer
22.99%

Insurance

The RBC Avion Visa Infinite Privilege gives you more insurance than the CIBC Select Visa Card.

The RBC Avion Visa Infinite Privilege includes 6 types of insurance, whereas the CIBC Select Visa Card only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the RBC Avion Visa Infinite Privilege is the better choice.

CIBC Select Visa Card
Insurance
RBC Avion Visa Infinite Privilege
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The CIBC Select Visa Card is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.

The RBC Avion Visa Infinite Privilege is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.