National Bank ECHO Cashback Mastercard vs RBC Avion Visa Infinite

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

National Bank ECHO Cashback Mastercard

National Bank ECHO Cashback Mastercard

Annual Fee: $30
Your Monthly Rewards: $0.00
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VS
RBC Avion Visa Infinite

RBC Avion Visa Infinite

Annual Fee: $120
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.

National Bank ECHO Cashback Mastercard
Comparison
RBC Avion Visa Infinite
$0
Rewards
Annual rewards estimate
$0
1.5/5
Perks
Travel benefits and extras
2.7/5
2.8/5
Fees
How competitive the fees are
1.8/5
2.5/5
Approval
How easy it is to get approved
2.5/5
0.7/5
Insurance
Insurance coverage and benefits
4.1/5
4.8/5
Acceptance
Where you can use the card
4.8/5
2.5/5
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.

National Bank ECHO Cashback Mastercard
Details
RBC Avion Visa Infinite
Mastercard
Card type
Mastercard
National Bank
Issuer
RBC
760
Min credit score
760
$0
Personal income
$60,000
$0
Household income
$100,000

Rewards

We estimate that spending $2,000 per month with the National Bank ECHO Cashback Mastercard would earn $0 in rewards over the year and with the RBC Avion Visa Infinite you would earn $0 in rewards.

When you spend using the National Bank ECHO Cashback Mastercard you will earn points called .

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

We can also compare the National Bank ECHO Cashback Mastercard vs RBC Avion Visa Infinite based on the amount earned in each spend category:

Annual rewards by spend category

National Bank ECHO Cashback Mastercard
Rewards
RBC Avion Visa Infinite
$36
Gas
$24
$42
Bills
$42
$6
Pharmacy
$6
$90
Groceries
$60
$24
Restaurants
$24
$24
Specific Stores
$12
$12
Travel
$15
$60
Other
$60

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

Raw reward rates

National Bank ECHO Cashback Mastercard
Reward structure
RBC Avion Visa Infinite
1.50%
Gas
1 point
1%
Bills
1 point
1%
Pharmacy
1 point
1.50%
Groceries
1 point
1%
Restaurants
1 point
2%
Specific Stores
1 point
1%
Travel
1.25 points
1%
Other
1 point

We can also compare the National Bank ECHO Cashback Mastercard vs RBC Avion Visa Infinite based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

National Bank ECHO Cashback Mastercard
Rewards earn rate
RBC Avion Visa Infinite
1.5%
Gas
1.0%
1.0%
Bills
1.0%
1.0%
Pharmacy
1.0%
1.5%
Groceries
1.0%
1.0%
Restaurants
1.0%
2.0%
Specific Stores
1.0%
1.0%
Travel
1.3%
1.0%
Other
1.0%

Fees

When it comes to fees, the National Bank ECHO Cashback Mastercard is better than the RBC Avion Visa Infinite.

The National Bank ECHO Cashback Mastercard charges an annual fee of $30, which is $90 less than the $120 annual fee for the RBC Avion Visa Infinite. So, if annual fees are important to you, then the National Bank ECHO Cashback Mastercard is the better choice.

National Bank ECHO Cashback Mastercard
Fees
RBC Avion Visa Infinite
$30
Annual fee
$120
$0
Extra card
$50
2.5%
Foreign exchange fee
2.5%

Perks

National Bank ECHO Cashback Mastercard
Perks
RBC Avion Visa Infinite
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 National Bank ECHO Cashback Mastercard nor RBC Avion Visa Infinite 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 National Bank ECHO Cashback Mastercard has better interest rates overall than the RBC Avion Visa Infinite.

The National Bank ECHO Cashback Mastercard charges 20.99 on your credit balance for purchases, which is the same as the interest rate on the RBC Avion Visa Infinite.

It's worth noting that the National Bank ECHO Cashback Mastercard has an interest rate of 22.49 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. If you expect to transfer a balance to this card then the National Bank ECHO Cashback Mastercard might save you a lot of money.

National Bank ECHO Cashback Mastercard
Interest Rates
RBC Avion Visa Infinite
20.99%
Purchases
20.99%
22.49%
Cash advance
22.99%
22.49%
Balance transfer
22.99%

Insurance

The RBC Avion Visa Infinite gives you more insurance than the National Bank ECHO Cashback Mastercard.

The RBC Avion Visa Infinite includes 6 types of insurance, whereas the National Bank ECHO Cashback Mastercard 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 is the better choice.

National Bank ECHO Cashback Mastercard
Insurance
RBC Avion Visa Infinite
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 National Bank ECHO Cashback Mastercard 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 is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.