RBC Visa Infinite Avion
Pairs well with...
- Annual Fee
- Extra Card Fee
- Card Type
- Cash Advance
- Balance Transfer
- Personal Income
- Household Income
|Extended Warranty||1 year|
|Purchase Protection||90 days|
|Emergency Medical Term||15 days|
|Emergency Medical over 65||3 days|
|Lost or Stolen Baggage||$500|
|Rental Car Theft & Damage||Yes|
Please review your insurance certificate for details, exclusions and limitations of your coverage.
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The RBC Visa Infinite Avion is the crown jewel of the RBC credit card portfolio. With it, they crafted one of the most flexible and valuable travel rewards programs out there before flexible travel rewards became the new "in" thing.
It isn't as flexible as some more modern cards, but it does allow you to book any airline and any flight with no blackout dates while giving you above a 2% return on spending if you maximize your reward redemption. With a perfect redemption, you'd achieve a 2.33% return on spending.
Keep in mind, you only get above 2% if you redeem in the 15,000 point or 35,000 point categories. Any higher than that and your return will drop to exactly 2%. The bad news is that if you don’t hit the maximum ticket value exactly your reward value drops. Worse, if you exceed it, you have to pay the overage at a rate of 100 points = $1. That’s a 1% return on spending on all points used for the overage.
The good news: if you want to increase your reward value further, you can choose to transfer your Avion points 1:1 to British Airways Avios miles, American Airlines AAdvantage miles, or Cathay Pacific Asia miles. There are other redemption options, but those are the most valuable giving you a 2.5% return on spending or higher if you maximize the redemption of your miles.
Tip: Avoid all the other redemption options from RBC Rewards. They are going to drop your return on spending to 1% or less. In that case, you should just switch to a top cash back credit card instead.
Other great features of the card include a good insurance package, a nice 15,000 point sign up bonus, and regular transfer promotions to British Airways Avios where you get 30-50% more miles than normal when you transfer. Unfortunately, this card does lack concierge service which most other Infinite cards have.
If you want flexible rewards that gives a high, guaranteed return on any type of travel, the
It'll give you a 1.5% return on points redeemed – and 4.5% on purchases made – at Expedia for TD.
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◊ The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.
* Conditions apply.