Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
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.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the Home Trust Preferred Visa would earn $0 in rewards over the year and with the RBC Visa Platinum Avion you would earn $0 in rewards.
When you spend using the Home Trust Preferred Visa you will earn points called .
When you spend using the RBC Visa Platinum Avion you will earn points called Avion.
We can also compare the Home Trust Preferred Visa vs RBC Visa Platinum Avion based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the Home Trust Preferred Visa vs RBC Visa Platinum Avion based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the Home Trust Preferred Visa is better than the RBC Visa Platinum Avion.
The Home Trust Preferred Visa charges an annual fee of $0, which is $120 less than the $120 annual fee for the RBC Visa Platinum Avion. So, if annual fees are important to you, then the Home Trust Preferred Visa is the better choice.
Neither Home Trust Preferred Visa nor RBC Visa Platinum Avion provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
The Home Trust Preferred Visa has better interest rates overall than the RBC Visa Platinum Avion.
The Home Trust Preferred Visa charges 21.99 on your credit balance for purchases, which is different from the interest rate on the RBC Visa Platinum Avion.
It's worth noting that the Home Trust Preferred Visa has an interest rate of 21.99 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 Visa Platinum Avion. If you expect to transfer a balance to this card then the Home Trust Preferred Visa might save you a lot of money.
The RBC Visa Platinum Avion gives you more insurance than the Home Trust Preferred Visa.
The RBC Visa Platinum Avion includes 6 types of insurance, whereas the Home Trust Preferred Visa 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 Visa Platinum Avion is the better choice.
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The Home Trust Preferred Visa 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 Visa Platinum Avion is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.