RBC Avion Visa Infinite Credit Card review
Aug 26, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Aug 26, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$963
Get this card if you:
At a glance
The RBC Avion Visa Infinite Card is a flexible travel rewards credit card that allows cardholders to earn Avion points on everyday purchases, with additional benefits such as comprehensive travel insurance and access to exclusive events. It is well-suited for frequent travelers seeking a versatile rewards program and value-added perks.
$963
First year value
35,000 points^
Welcome bonus
$120
Annual fee
$50 for each additional card
20.99%
Purchase APR
22.99%
Balance transfer APR
22.99%
Cash advance APR
Very Good
Recommended credit score
$60,000
Required annual personal income
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.
The RBC Avion Visa Infinite provides a lucrative sign-up offer:
Enjoy 35,000 Avion points upon approval^ (travel value of $750†).
The RBC Rewards program is fairly straightforward—
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.
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.
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
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 |
Beyond the impressive insurance and travel benefits of the card, you can expect the following additional benefits and features:
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
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."
Now, let’s dive into the exciting part - how the RBC Avion Visa Infinite stacks up with its leading rivals:
up to 165,000 pts†
Welcome Bonus
$618
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions Apply.
Get this card if you...
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
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 $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 145,000 TD Rewards Points when you spend $7,500 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.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†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
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 $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 145,000 TD Rewards Points when you spend $7,500 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.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†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^ (travel value of $750†). |
Welcome bonus:
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate 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 60,000 pts*
Welcome Bonus
$1,812
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* Expires Jul 01, 2026
Get this card if you...
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
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 $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 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) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. 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
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 $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 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) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. 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.
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.
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.
To be eligible for the RBC Avion Visa Infinite card, you need to meet the following requirements:
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.
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.
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
Merging money can be challenging for couples
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.