RBC Avion Visa Infinite

No annual fee. Earn 25,000 bonus Avion points. Travel rewards on every purchase. Build your credit history with RBC.

How to Increase Your Credit Limit?

The RBC Avion Visa Infinite offers a starting credit limit that typically ranges from C$5,000 to C$10,000, depending on your credit profile and income verification. RBC reviews limits periodically, but cardholders can accelerate increases by demonstrating responsible use—keeping utilization below 30%, paying on time, and maintaining an active relationship with the bank. Unlike some issuers that require formal requests, RBC often adjusts limits automatically when you meet their internal criteria, making strategic actions highly effective.

Key factors include linking your RBC chequing or savings account for direct bill payments, enrolling in Open Banking to share verified income data, and using the card regularly for at least C$500 per month in purchases. RBC also rewards clients who consolidate multiple products—holding a mortgage, investment account, or personal loan can signal stability and unlock faster limit growth. Each positive signal compounds, and cardholders who optimize all levers often see increases of C$2,000 to C$5,000 within six to twelve months.

Key Benefits for You

The RBC Avion Visa Infinite positions itself as a premium travel card designed for frequent flyers who value flexibility and comprehensive insurance coverage. Cardholders earn 1 Avion point per C$1 spent on most purchases, with accelerated earning of 1.25 points per dollar on travel booked through RBC Rewards Travel and eligible dining, entertainment, and grocery purchases. The Avion program stands out for its ability to convert points to 15+ airline loyalty programs without blackout dates, giving you control over how and when you redeem — a significant advantage over fixed-travel-portal redemptions offered by many competitors.

Beyond points, the card includes comprehensive travel insurance packages covering trip cancellation, interruption, medical emergencies, and baggage delays, reducing the need for third-party coverage. The annual fee of C$139 (waived first year for new cardholders in many promotions) is offset by perks like airport lounge access via Priority Pass (four complimentary visits per year), hotel status upgrades, and exclusive discounts with RBC partners. For households spending heavily on travel and everyday categories, the return on this card can easily surpass C$500 annually, making the fee a worthwhile investment rather than a cost.

Card Comparison

When selecting a premium travel rewards card in the Canadian market, the RBC Avion Visa Infinite stands out for its robust earning rate of 1.25 Avion points per C$1 spent and the flexibility to transfer points to over a dozen airline and hotel partners. While the annual fee of C$120 (waived in the first year) positions it as a mid-tier option, the card's value proposition becomes clear when you factor in the welcome bonus of up to 55,000 Avion points and benefits like complimentary airport lounge access and no foreign transaction fees. These features make it a compelling choice for frequent travelers who prioritize redemption flexibility over cashback simplicity.

In the competitive landscape of Canadian premium credit cards, understanding where the RBC Avion Visa Infinite ranks against similar offerings helps clarify whether the C$3,000 minimum spending requirement within the first three months aligns with your financial habits. Cards like the TD First Class Travel Visa Infinite and CIBC Aventura Visa Infinite offer comparable travel rewards structures but differ in earning caps, transfer partners, and ancillary perks. The ranking below reflects a balance of annual cost, earning potential, welcome incentives, and travel-specific benefits — factors that directly impact the long-term value proposition for cardholders who regularly book flights or hotel stays through points programs.

Which credit card is better for you?

When choosing between premium travel rewards cards, the decision often comes down to how you actually spend and travel. The RBC Avion Visa Infinite earns 1.25 Avion points per C$1 on most purchases and offers flexible redemption through RBC Rewards, while competitors like the TD First Class Travel Visa Infinite focus on earning 3 TD Points per C$1 on travel and dining with higher category multipliers. Annual fees typically range from C$120 to C$139 for cards in this tier, so understanding which benefits you'll use most — airport lounge access, travel insurance coverage, or points earning potential — makes the difference between paying for perks you ignore and maximizing value on every purchase.

Direct comparisons reveal trade-offs: cards with higher category bonuses reward targeted spending habits, while flat-rate earners like the Avion suit diverse spending patterns without needing to track categories. Insurance coverage varies significantly — some cards include trip cancellation up to C$2,500 per insured person, others offer mobile device insurance or rental car collision coverage with no deductible. Lounge access through Priority Pass or LoungeKey adds tangible value if you fly internationally at least twice per year, but sits unused for primarily domestic travelers. The comparison below lets you weigh these factors against real competitor cards to see which aligns best with your financial profile and travel goals.

Will I Be Approved?

The RBC Avion Visa Infinite has specific credit requirements that go beyond just income. Most approved applicants carry a credit score above 660 and demonstrate a clean credit history with no recent defaults or collections. RBC typically looks for a personal income of at least $60,000 (or $100,000 household income) as a baseline, though higher earnings increase approval odds significantly. If your profile shows a strong payment history and manageable debt-to-income ratio, your chances improve considerably.

Negative items on your credit bureau—such as outstanding judgments, recent bankruptcies, or accounts in collections—can reduce your approval likelihood even if you meet the income threshold. RBC's underwriting also considers how many new credit applications you've submitted in the past six months and your current credit utilization rate (ideally below 30%). Understanding where you stand helps set realistic expectations before you apply.

The RBC Avion Visa Infinite is a premium travel rewards card that delivers excellent value for frequent flyers and those who can leverage the 25,000 welcome bonus Avion points (worth approximately $250 in travel). With an annual fee of $120, the card pays for itself if you redeem points strategically through the RBC Rewards platform or transfer them to airline partners like British Airways or WestJet. The comprehensive travel insurance coverage—including trip cancellation, interruption, and emergency medical—adds significant peace of mind for international travelers. However, the card's rewards rate outside of travel and dining is modest, and the income requirement may exclude younger applicants. Overall, if you travel at least once or twice a year and value flexible points over cashback, the RBC Avion Visa Infinite is a solid choice that balances rewards, perks, and protection.