RBC Visa Infinite Avion Review

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Let me tell you right now, the RBC Visa Infinite Avion is one of the most underrated travel credit cards in Canada. The welcome bonus and earn rate may not look that impressive at first glance, but when you realize what you can do with your Avion points with their airline transfer partners via RBC Rewards, you’ll quickly understand that this credit card is a winner.

The other standard benefits included such as travel insurance, mobile device insurance and extended warranty are also impressive and handy in the event you need to make a claim. Read my RBC Visa Infinite Avion review now and find out why this may be one of the best-kept secrets when it comes to credit cards.

RBC Avion Visa Infinite Card

  • $120 annual fee
  • 35,000 RBC Rewards points welcome bonus
  • Earn 1.25 RBC Rewards points for every $1 spent on travel purchases
  • Earn 1 RBC Rewards point per $1 on all other purchases
  • Comprehensive travel insurance
  • Mobile device insurance up to $1,500

What’s interesting about the RBC Visa Infinite Avion is that you get the 35,000 RBC Rewards points bonus after your first statement arrives. There’s no minimum spend required to get it, you don’t even need to make one purchase. Those points have a base value of $150, but when using them through RBC Rewards, you can actually double the value of your points.

The base earn rate of 1.25 RBC Rewards point for every $1 spent on travel and 1 point for every $1 spent on all other purchases isn’t that impressive, but again, when using your Avion points via RBC Rewards, they’re actually worth much more.

The low sign up bonus and earn rate are the only reasons why the RBC Visa Infinite Avion Card doesn’t make my list of the best travel credit cards in Canada. That said, from time-to-time, RBC has an increased sign up bonus which makes this card more appealing. 

Besides the sign up bonus and earn rate, the additional benefits are pretty good. The included travel insurance is excellent and so is the mobile device insurance since it covers you up to $1,500 when most credit cards with mobile device insurance only insure you up to $1,000.

RBC Visa Infinite Avion travel insurance

  • Travel medical – unlimited for 15 days / 3 days if you’re 65 or older
  • Trip cancellation – up to $1,500 per person / $5,000 total
  • Trip interruption – up to $5,000 per person / $25,000 total
  • Flight/trip delay – up to $250 / 4 hours
  • Delayed and lost baggage – up to $500 / 4 hours
  • Auto rental collision / loss damage – 48 consecutive days / $65,000
  • Hotel/motel burglary – $2,500
  • Common carrier travel accident – $500,000

Interestingly enough, the RBC Visa Infinite Avion travel insurance is some of the best out there, but it doesn’t get nearly as much attention as other cards since you’re only covered for 15 days if you’re under the age of 65.

You get unlimited travel medical coverage (there are some conditions) but to be realistic, it’s unlikely you’d need more than the standard coverage of $1,000,000 that other cards come with. What’s weird is that your trip interruption insurance covers up to $5,000 per person yet trip cancellation is only good for $1,500 per person. I personally would rather have more trip cancellation coverage than trip interruption.

The delayed baggage, travel accident, car rental, and hotel/motel burglary insurance are pretty standard, but it’s more than enough to cover you in the event you need to make a claim. Remember, with the exception of travel medical, your RBC Visa Infinite Avion travel insurance only applies if you charge all of your travel expenses to your Avion Visa.

How the RBC Visa Infinite Avion compares to others

If we’re looking at the RBC Visa Infinite Avion’s base earn rate, you could compare it to the  TD First Class Travel Visa Infinite Card which gives you 3 points per $1 spent (1.5% value) on all your purchases except those made via Expedia for TD which gives you 9 points per $1 spent or a 4.5% return.

Clearly, the TD earn rate is higher than the RBC Visa Infinite Avion Card’s base earn rate that tops out at 1.25 points (1.25% value), but as you’ll learn in the section below, the points are actually much more valuable than you realize.

How Avion points and RBC Rewards work

RBC Rewards allows you to redeem 1,000 Avion points for $10 in travel booked through their travel portal. This effectively gives the RBC Visa Infinite Avion an earn rate of 1.25% on travel purchases and 1% on everything else.

Being disappointed with the base earn rate is normal, but you can double the value of your points by using the RBC fixed points program. For example, you can claim 15,000 RBC Rewards points for a round-trip flight within or to an adjacent province or U.S. state that has a base ticket value of up to $350. If you maximized this option, your points would now be worth 2.33 cents each which is more than double the regular earn rate.

RBC Rewards also allows you to convert your Avion points to British Airways Avios, Cathay Pacific Asia Miles, WestJet dollars and American Airlines AAdvantage miles. Basically, the RBC Visa Infinite Avion Card is one of the best airline credit cards in Canada because of its partners.

As you can imagine, RBC Rewards is one of the best bank travel loyalty programs in Canada. Make sure to read my RBC Rewards review now to learn about the other ways to maximize the value of your points.

Final thoughts

Despite the low sign up bonus and earn rate, my RBC Visa Infinite Avion review is positive. Having the ability to double the value of your points via RBC Rewards and to transfer your points to airline loyalty programs is a huge advantage over other loyalty programs/credit cards. 

RBC Visa Infinite Avion Review

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter:@barrychoi


  1. John Robert on September 2, 2020 at 1:40 PM

    Regarding your comments about the “INSURANCE BENIFITS”, I am Sorry but from my experience with over 20 years as a “RBC Visa Infinite Avion” card holder you are totally wrong.

    My experience dealing with “the insurance” for the first and only time has been nothing but STRESSFUL and MONTHS of delays and EXTREMELY slow response times only to be told that I am not covered for a reimbursement of a “Airline Cancelled” flight.

    • Barry.Choi on September 2, 2020 at 1:58 PM


      The insurance benefits I’ve listed are accurate. However, every insurance policy has different rules in place when it comes to making a claim.

  2. Chad Siemens on October 26, 2022 at 12:27 PM

    A topic not discussed is that RBC Avion charges on average over 2 percent more on US purchases over 3 of my other credit cards. Very dissapointing to say the least for using my card for foreign travel.

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