Quick overview of the RBC Avion Visa Infinite Card
In the credit card world, the RBC Avion Visa Infinite card stands out in the travel rewards category, notable for its flexibility. RBC Rewards (Avion points) can be redeemed for any seat on any flight on any airline with absolutely no blackout dates. Beyond that, cardholders can transfer their points to other airline rewards programs, redeem points to shop at retailers like Best Buy and the Apple store, or cash in points to pay down their credit card balance. With all these options, cardholders can enjoy their points their way.
Who can benefit from the RBC Avion credit card?
- Frequent travellers: If you’re a jet-setter who values flexibility in your travel rewards, this card is a great fit. You can redeem Avion points for flights on any airline, without blackout dates.
- Points maximizers: Those who enjoy strategically earning and redeeming points will appreciate the ability to transfer Avion points to other loyalty programs like WestJet Rewards, American Airlines AAdvantage, and British Airways Executive Club.
- Canadians looking for comprehensive travel insurance: With extensive travel insurance coverage, including emergency medical, trip cancellation, and mobile device insurance, this card is ideal for those who want peace of mind while traveling.
Pros and cons
- Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options
- Partnerships with other retailers like HBC and Petro-Canada
- Provides excellent travel insurance
- New cardholders earn up to 35,000 welcome Avion points on approval*
- Solid option for looking for a travel-centric points program
- The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.
- The $120 annual fee isn’t cheap
- High annual income requirement: Personal: $60,000 or Household: $100,000
RBC Avion Visa Infinite credit card welcome bonus
The RBC Avion Visa Infinite provides a lucrative sign-up bonus:
- Enjoy 35,000 Avion points upon approval^ (a value of up to $750†).
This welcome bonus is automatically applied to the card account within 60 days of opening.
How to earn Avion points with the RBC Avion Visa Infinite
The RBC Rewards program is fairly straightforward—
- Earn 1.00 Avion point for every dollar you spend*.
- 25% extra Avion points on eligible travel purchases.
The additional 25% on travel-related purchases* may include airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Still, the merchant must be listed in the “travel” category with Visa.
There aren’t many ways to accelerate your earnings, but if you link the credit card to your Petro-Points account, you can get a discount on gas*, plus 20% additional points in both loyalty programs⁵.
What are RBC Avion points worth?
RBC rewards are valued at approximately $1.14 for every 100 points (or $0.0114 per point—a fairly standard rate for this type of card)
Where this program really shines is in the redemption process. RBC Rewards are primarily aimed at flights, and with no blackout dates and no seat or airline restrictions, cardholders are free to go wherever they want, when they want, on whatever airline carrier they want.
Redeeming Avion points for flights
Round-trip Air Travel Redemption Schedule

RBC Avion's Air Travel Redemption Schedule for round trip flights and vacation packages
One-way Air Travel Redemption Schedule

RBC Avion's Air Travel Redemption Schedule for one-way flights
Other ways to redeem
Another bonus: Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points. Plus, unlike other rewards programs, Rewards points can be applied toward taxes, surcharges, and fees when booking a flight.
Additionally, there are other redemption options through retailers like the Apple Store, T-Fal, and Best Buy, and Avion points can be transferred to HBC Rewards. A cardholder’s points can be used to pay down their credit card balance.
One of the key benefits of the Avion program is the absence of seat restrictions or blackouts when booking travel using Avion points. This means that cardholders have the flexibility to choose their desired flights without any limitations.
In addition to the travel benefits, the RBC Avion Visa Infinite also offers free Doordash deliveries for a period of 12 months — a value of almost $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
Furthermore, cardholders can enjoy discounts and earn additional Avion points when renting with Hertz or linking their card to a Petro-Canada card. These partnerships provide opportunities for even more rewards and savings.
With the RBC Avion Visa Infinite, you can maximize your rewards potential and enjoy a range of benefits, making it a valuable credit card option for those who want to earn and redeem points.
As a travel credit card, the Avion Visa Infinite provides comprehensive travel insurance, including the following:
Protection | Coverage |
---|---|
Extended warranty | 1 year |
Purchase protection | 90 days |
Mobile device | $1,500 |
Travel accident | $500,000 |
Trip cancellation | $5,000 |
Flight delay | $500 |
Baggage delay | $500 |
Lost/stolen baggage | $500 |
Hotel burglary | $2,500 |
Rental car | $65,000 |
Avion Visa Infinite insurance explained
Beyond the impressive insurance and travel benefits of the card, you can expect the following additional benefits and features:
- Automatic and instant savings on fuel at Petro-Canada: Link the two cards and save $0.03 per litre on fuel⁴—and earn 20% more points in both loyalty programs (20% more Petro-Points and 20% more Avion points)⁵.
- Rexall points: Earn 50 Be Well Points for every $1 spent on eligible purchases at Rexall Pharmacies across Canada by linking your card to your Rexall account.
- Credit card lock: Temporarily lock your credit card at any time—a handy feature if you believe you’ve lost or misplaced your card but don’t want to take chances while you locate it.
- Visa Infinite: Enjoy events, hotel and dining benefits, and a complimentary concierge.
- DoorDash savings: Add your eligible RBC card to your DoorDash account and enjoy a 12-month complimentary DashPass subscription (a value of almost $120). With DashPass, you can enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
When redeeming for flights, aim for the maximum value of 2.33 cents per point using the Air Travel Redemption Schedule. You can typically find this value on long-haul flights in economy class."
Cory Santos, Money.ca credit card expert
What do users say about the card?
The general consensus amongst RBC cardholders is that the RBC Avion Visa Infinite Card is a decent offering which struggled to match up with cards for banks like TD, Scotiabank and Amex Canada.
Reddit user u/Xyzzics points out that "you can get it for free if you have banking status at RBC." However, they were quick to note that "for full price there are definitely better cards."
It's not all doom and gloom, however. Redditor u/cardlover997 praises the Avion Visa Infinite, stating that "the main advantage I see with this card is that you can transfer points to BA which helped me like crazy last year. They occasionally have 30% bonus transfers as well."
How does the Avion Visa Infinite credit card compare?
Now, let’s dive into the exciting part - how the RBC Avion Visa Infinite stacks up with its leading rivals:
up to 85,000 pts†
Welcome Bonus
$218
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,000 in value†, including up to 85,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.
Get this card if you...
- are a frequent traveler and prefer Expedia for bookings
- want comprehensive travel insurance to ensure peace of mind
- value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD†, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit†, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
- Major combined value for the welcome bonus (up to $1,000 in value)†
- Good base earn rate on all purchases
- Huge earn rate when you book travel through Expedia® For TD†
- Very flexible redemption options
- $100 TD Travel Credit†
- Visa Infinite Benefits
- Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
- Charges foreign transaction fees
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through Expedia® For TD†.
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10k Bonus Points
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
$100
An annual TD Travel Credit† of $100 when you book at Expedia® For TD†.
4
Enjoy your 4 complimentary visits by enrolling now for the Visa Airport Companion Program†.
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,000 in value†, including up to 85,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of June 4, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 65,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD†, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit†, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
- Major combined value for the welcome bonus (up to $1,000 in value)†
- Good base earn rate on all purchases
- Huge earn rate when you book travel through Expedia® For TD†
- Very flexible redemption options
- $100 TD Travel Credit†
- Visa Infinite Benefits
- Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
- Charges foreign transaction fees
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through Expedia® For TD†.
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10k Bonus Points
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
$100
An annual TD Travel Credit† of $100 when you book at Expedia® For TD†.
4
Enjoy your 4 complimentary visits by enrolling now for the Visa Airport Companion Program†.
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,000 in value†, including up to 85,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of June 4, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 65,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
RBC Avion Visa Infinite | TD First Class Travel® Visa Infinite* |
---|---|
Annual fee:
$120 ($50 for each additional card) |
Annual fee:
$139 |
Welcome bonus:
Enjoy 35,000 Avion points upon approval^ (a value of up to $750†). |
Welcome bonus:
Earn up to $1,000 in value†, including up to 85,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. |
Rewards:
Earn 1.00 Avion point for every dollar you spend*. 25% extra Avion points on eligible travel purchases |
Rewards:
8 TD Rewards Points through Expedia For TD† 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit† 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media† 2 TD Rewards points for every $1 you spend using your card† |
Perks:
Complimentary 12-month DoorDash DashPass membership, discounts on Hertz rental cars, no blackout dates or seat restrictions on award travel |
Perks:
$100 annual TD travel credit, 10,000-point birthday bonus, 40% more stars at Starbucks, Avis and Budget rental car discounts, no blackout dates or seat restrictions on award travel |
- |
Disclosures:
-
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
up to 45,000 pts*
Welcome Bonus
$1,662
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,350* in value in the first 12 months, including up to 45,000 bonus Scene+ points*. Expires Oct 31, 2025
Get this card if you...
- travel often and want premium travel perks like lounge access
- want to avoid paying foreign exchange fees
- appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,350 in value in the first 12 months, including up to 45,000 bonus Scene+ points*. Here's how:
$350 in travel rewards (35,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$136 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$381 in first year point earn potential (38,100 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 2 years with an average spend of 20% in 2X accelerator categories.
$366 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$366/USD$259). Currency conversion as at April 9, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between July 2, 2025 and October 31, 2025.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,350 in value in the first 12 months, including up to 45,000 bonus Scene+ points*. Here's how:
$350 in travel rewards (35,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$136 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$381 in first year point earn potential (38,100 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 2 years with an average spend of 20% in 2X accelerator categories.
$366 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$366/USD$259). Currency conversion as at April 9, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between July 2, 2025 and October 31, 2025.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
Disclosures:
-
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Is the RBC Avion Visa Infinite worth it?
As a travel rewards card, the RBC Avion Visa Infinite card is a strong choice, especially for those who want flexibility with travel rewards — and even more for members who already shop at partner retailers. We’re loving the hassle-free redemption for travel rewards, such as the no blackout dates or restrictions on flight redemptions. For those with more frugal spending habits, though, there may be better alternatives. Weigh your options and check out these other best travel rewards credit cards in Canada before taking the plunge.
Avion top tip: transfer points
Keep an eye out for transfer bonuses to partner programs like British Airways Executive Club or American Airlines AAdvantage. These can boost your point value significantly.
Eligibility requirements for the RBC Avion Visa Infinite credit card
To be eligible for the RBC Avion Visa Infinite card, you need to meet the following requirements:
- Income: Must have a gross income of at least $60,000 ($100,000 per household) or possess a minimum of $250,000 in investable assets
- Age: 18+
- Residency: Canadian resident
- Credit score: Very Good
Disclosures
-
Refer to RBC page for up to date offer terms and conditions.
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FAQs
Refer to RBC page for up to date offer terms and conditions. This post contains affiliate links. Please read disclaimer for more info. Disclaimer: Money.ca may engage in affiliate marketing, which is done by embedding tracking links into Money.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.