The RBC Avion Visa Infinite card is one of the most attractive travel credit cards in Canada, offering an impressive array of benefits for frequent travelers. From earning Avion points to premium travel insurance and exclusive perks, this card is designed to meet the needs of those who want more from their travel experiences. Whether you’re a frequent flyer or a casual traveler, this card promises to make every journey more rewarding.
Main information about the RBC Avion Visa Infinite
The RBC Avion Visa Infinite comes with a robust travel rewards program, earning cardholders 1 Avion point for every dollar spent on regular purchases and 1.25 points for every dollar spent on travel-related purchases.
There is no cap on how many points you can accumulate, and these points can be redeemed for flights, hotels, rental cars, and more without blackout dates or seat restrictions. Whether you want to use your points for a quick getaway or save up for a luxurious trip, the flexibility of this card’s rewards program is one of its biggest selling points.
The card also features a welcome bonus, which can help you jump-start your rewards. New applicants can earn up to 55,000 Avion points when they meet the initial spending requirements. Specifically, 35,000 points are awarded upon approval, and an additional 20,000 points are given when you spend $5,000 in the first six months.
Qualification Requirements
The RBC Avion Visa Infinite card is considered a premium product, and it comes with specific qualification requirements. Applicants need to have a minimum annual personal income of $60,000 or a household income of at least $100,000.
If you meet these income thresholds and have a good credit score, you can likely qualify for the card. While these income requirements might be steep for some, they ensure that the card is aligned with a premium market, offering elevated benefits and features.
Benefits
One of the standout features of the RBC Avion Visa Infinite card is the comprehensive insurance coverage. Cardholders are covered with up to $1,500 in mobile device insurance, trip cancellation, trip interruption, and emergency medical insurance while traveling. If you encounter any unexpected issues, like a medical emergency or a canceled flight, the card’s insurance can offer significant peace of mind.
In addition to travel insurance, the RBC Avion Visa Infinite also offers extended warranty and purchase protection. This means that when you use your card for major purchases, they are protected from damage or theft, and the warranty is extended beyond what the manufacturer provides.
Another noteworthy feature is the Visa Infinite benefits, which include access to luxury hotels, dining experiences, and exclusive events. The Visa Infinite Concierge service is also available to assist you with various tasks, from booking reservations to finding tickets for a sold-out show.
Pros
The RBC Avion Visa Infinite card has several advantages that make it a strong contender for anyone looking for a premium travel credit card.
- Generous rewards: Earn 1.25 points per dollar on travel and 1 point per dollar on all other purchases.
- No blackout dates: Flexibility to book flights on any airline with no restrictions.
- Comprehensive insurance: Mobile device insurance, trip cancellation, and emergency medical insurance included.
- Visa Infinite perks: Exclusive access to luxury experiences and a dedicated concierge service.
- Welcome bonus: Up to 55,000 Avion points for new cardholders who meet the spending requirement.
- Travel flexibility: Points can be redeemed for a wide variety of travel-related expenses, not just flights.
Cons
While the RBC Avion Visa Infinite card has many strengths, it also has a few downsides that potential applicants should consider.
- Annual fee: The card comes with a $120 annual fee, which can be a deterrent for some.
- Higher income requirement: You need a minimum personal income of $60,000 or a household income of $100,000 to qualify.
- Higher purchase and cash advance rates: Purchase rate is 20.99%, and cash advance rate is 22.99%, which can lead to significant interest charges if you carry a balance.
How to apply
Applying for the RBC Avion Visa Infinite is simple and can be done entirely online through the RBC website. The application process is secure, and you can expect a response in less than 60 seconds. You will need to provide personal and financial information, including your income and employment details, to complete the application.
If approved, you will receive your card in the mail within a few business days, and you can start earning points immediately. In addition to applying online, you can also apply for the card by visiting an RBC branch. A customer service representative will guide you through the process, ensuring that all your questions are answered.
Is the card worth it after all?
The RBC Avion Visa Infinite card is undoubtedly one of the best options for Canadian travelers who want to maximize their rewards and enjoy premium benefits. With no blackout dates and the flexibility to redeem points on any airline, it’s a strong contender in the travel credit card market. The card’s comprehensive insurance coverage and Visa Infinite perks add extra value, making it appealing to those who travel frequently or plan large purchases.
However, the card’s annual fee and income requirements mean that it’s best suited for those with a higher budget and credit score. If you’re someone who doesn’t mind paying the annual fee in exchange for excellent rewards and benefits, then this card can be a perfect fit.
Conclusion
The RBC Avion Visa Infinite card offers a premium travel experience that can significantly enhance your trips, whether for business or pleasure. From earning points on everyday purchases to enjoying comprehensive travel insurance, the card ensures that you’re well-equipped to handle any travel scenario.
While the annual fee might seem steep, the value of the benefits far outweighs the cost for those who frequently travel or make large purchases. Overall, the RBC Avion Visa Infinite is worth considering if you’re looking for a top-tier travel credit card with unmatched flexibility and perks.
