RBC Avion Visa Infinite Review 2026

The RBC Avion Visa Infinite is RBC’s flagship mid-tier travel credit card, earning RBC Avion points, one of Canada’s most flexible rewards currencies, on every purchase. Unlike Aeroplan-earning cards that are tied to Air Canada’s loyalty program, Avion points can be transferred to multiple airline loyalty programs, giving cardholders genuine flexibility in how they redeem for travel. Our credit card reviews cover the competing travel cards.

For a broader look at how Avion points work, see the RBC Avion Rewards program guide. For the full picture of RBC’s card lineup, see best RBC credit cards in Canada.

Stable card facts (fee, income requirement, base earn rate, and any confirmed interest/FX rates) current as of 2026-10-03. Welcome/sign-up bonuses change frequently and are not included here — confirm the current offer on the issuer’s site before applying.

It’s a Visa Infinite card that earns RBC Avion points.

Welcome Bonus

RBC’s welcome offer for this card has been structured across the first year of the account (points on approval, additional points after meeting a spend threshold, and an anniversary bonus) rather than as a single lump sum. Always check the current offer and its exact terms on RBC’s credit cards page before applying, since welcome offers change without notice.

Redeemed directly through the RBC travel portal, Avion points are worth roughly 1 cent each for this card (an Avion Elite card). Transferring to British Airways Avios for a short-haul booking can be worth more, though the exact value depends on the specific route, cabin, and current Avios pricing – check ba.com before transferring, since transfers are one-way and non-reversible.

Earn Rates

The Avion Visa Infinite earns a flat rate on all purchases, which is simple but modest compared to category-accelerated cards like the Amex Cobalt (5× on dining) or Scotiabank Momentum Visa Infinite (4% on groceries). Avion’s value proposition comes from the points’ flexibility, not the earn rate: 1 point per dollar on a high-spending card still accumulates quickly.

For those spending $60,000/year on the card, you accumulate approximately 60,000–65,000 Avion points annually, enough for a round-trip transatlantic economy flight redeemed via Avios.

Transfer Partners

One of the Avion card’s key advantages is point transferability:

The British Airways Avios partnership is the most compelling for this card. Avios pricing is distance-based, which tends to favour short-haul routes – such as Toronto to New York – relative to cash fares, though British Airways revises its pricing periodically (most recently in December 2025), so check current pricing at ba.com before transferring. Avios cannot be used to book Air Canada flights, since Air Canada is part of the separate Star Alliance/Aeroplan network rather than Oneworld.

Insurance Coverage

The RBC Avion Visa Infinite includes comprehensive travel insurance:

• Out-of-province/country emergency travel medical: unlimited maximum benefit, first 15 days of a trip if under 65 (3 days if 65+)
• Trip cancellation/interruption: up to $1,500 per person cancellation, $5,000 interruption
• Flight delay: up to $250 per day, per covered person, after a 4-hour delay (missed connection, denied boarding, or delayed departure)
• Baggage delay: up to $500 per occurrence for emergency purchases ($2,500 overall maximum per occurrence across all covered persons), after a 4-hour delay of checked luggage
• Lost or stolen baggage: up to $500 per person
• Auto rental collision/loss damage waiver: up to 48 consecutive days
• Mobile device insurance: up to $1,500
• Purchase security: 90-day coverage against theft and accidental damage
• Extended warranty: doubles manufacturer’s warranty, up to one year

The unlimited-maximum-benefit emergency travel medical coverage is generous relative to competing cards at this price point. For frequent travellers, this is a meaningful differentiator.

Who Should Get This Card

Best fit:

• RBC customers who want their travel card linked to their existing banking
• Canadians who want flexible points transferable to multiple airline programs
• Those who want a Visa Infinite travel card with full insurance at the low end of the tier’s fees
• Frequent travellers to the UK or Europe who can leverage Avios for British Airways or partner bookings

Consider alternatives if:

• You fly Air Canada almost exclusively: a TD Aeroplan Visa Infinite or CIBC Aeroplan Visa Infinite earns Aeroplan directly and includes Air Canada-specific perks
• You spend heavily on groceries/dining: category-accelerated cards like Amex Cobalt offer far better earn rates in those categories
• You want lounge access: step up to the RBC Avion Visa Infinite Privilege ($399/year) for 6 complimentary DragonPass lounge visits/year (not Priority Pass, and not unlimited)

RBC Avion Visa Infinite vs Key Competitors

The Avion card’s annual fee of $120/year sits at the low end for a Visa Infinite travel card with full insurance, which makes it good value, especially for RBC customers who qualify through existing relationships.

Verdict

The RBC Avion Visa Infinite is a versatile, moderately priced travel credit card that excels in flexibility. Its earn rate is unspectacular at 1 point per dollar, but Avion points’ ability to transfer to four airline programs, particularly British Airways Avios, gives cardholders access to some of Canada’s best flight redemption values.

For RBC customers, it’s an easy card to justify. For non-RBC customers, the flexibility of Avion points and the lower annual fee make it a strong alternative to Aeroplan-earning cards.

See also: RBC Avion Rewards program guide · best travel credit cards in Canada · best RBC credit cards