Pros & cons
Pros
- Up to 55,000 bonus points.
- High point value of up to 2.33 cents.
- Includes 10 types of insurance.
- Save 3 cents per litre on fuel at Petro-Canada.
Cons
- Only earns 1 point per $1 spent on most purchases (1.25 point on travel).
- Poor rewards if not redeemed through the Air Travel Redemption chart.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 55k points + $120 which translates to an estimated $1,402.◊
For all welcome bonus details click here.
Welcome bonus offer ends Jan 31, 2026.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With RBC Visa Platinum Avion, here's how you earn rewards:
- 1 point per $1 spent on all purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For RBC Visa Platinum Avion in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Air Travel Redemption Schedule | $559 | |
| Transfer points to British Airways or Cathay Pacific | $420 | |
| Travel through RBC Rewards | $240 | |
| Charity donations | $240 | |
| Transfer points to WestJet Rewards | $240 | |
| Merchandise | $209 | |
| RBC financial products | $199 | |
| Gift Cards | $173 | |
| Statement credits | $139 |
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Air Travel Redemption Schedule | 2.33 cents | $23 |
| Transfer points to British Airways or Cathay Pacific | 1.75 cents | $18 |
| Travel through RBC Rewards | 1 cent | $10 |
| Charity donations | 1 cent | $10 |
| Transfer points to WestJet Rewards | 1 cent | $10 |
| Merchandise | 0.87 cents | $9 |
| RBC financial products | 0.83 cents | $8 |
| Gift Cards | 0.72 cents | $7 |
| Statement credits | 0.58 cents | $6 |
Calculating your annual rewards
$24,000 annual spending x 2.33% return on spending = $559 annual rewards
$559 annual rewards − $120.00 annual fee = $439 net annual rewards
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $120.00
- Extra Card Fee
- $50
- Card type
- Credit
- Purchase
- 20.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Travel Accident
- $500,000
- Trip Cancellation
- $1,000
- Trip Interruption
- $2,500
- Flight Delay
- $500
- Baggage Delay
- $500
- Lost or Stolen Baggage
- $500
- Hotel Burglary
- $2,500
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
RBC Visa Platinum Avion's 3.7 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Our review
The RBC Visa Platinum Avion card is like the RBC Visa Infinite Avion's twin. In fact, it almost feels like they're the same card.
Same annual fee, same sign-up bonus, same earn rate, and almost the same insurance package (the Visa Infinite version includes Emergency Medical and the Platinum version doesn’t).
Where the Platinum gets its edge, however, is that it doesn’t come with a $60,000 minimum personal income requirement, making it more accessible to more Canadians.
RBC Visa Platinum Avion starts you off with 15,000 welcome bonus points, which is worth approximately $350 in short haul flights.
With every purchase made, you'll earn 1 RBC Reward Point for every dollar spent.
The flexible rewards earned through this card can be used for any flight, but the way to best maximize your return is by either:
- using the special RBC flight reward chart, or
- transferring your points to British Airways Avios (especially when they have a bonus transfer promotion going on).
These rewards can also be transferred to WestJet Dollars, American Airlines AAdvantage, British Airways Executive Club, and Cathay Pacific Asia Miles. But be sure to do a bit of research first to make sure you're getting the best value for your rewards.
There's also the option to use your points to book any travel through RBC Rewards, but each point is only worth 1 cent this way, giving you a low 1% return for a card with an annual fee.
That being said, the sign-up bonus, lack of income requirement, and ability to get up to a 3% return on your rewards can make this $120 annual fee worth it for some.
Add that to the 10 types of purchase and travel insurance that are included, and this card is definitely worth considering.
If you'd prefer a higher overall earn rate for any type of travel, the
Key benefits
User reviews
Reviewed by 8 Canadians
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Good benefits and a decent point earning rate. Points build up fast when it’s the majority of your spending but I wouldn’t say it’s worth it if you aren’t putting the majority of your purchases on it. As long as you spend enough for around 15k points per year (1 flight to adjacent province) it pays for itself. 35k for a US trip is pretty steep but doable. The redemption grid is great but don’t ever use non-grid redemption. Overall I haven’t had any issues with this card and earned 2 free round trips in a year so far on pretty average income and around $700-$900/month spend thanks to the 35k bonus offer. (35k went to one trip, 15k on another after earning 15k).
BS Card trip cancellation insurance is a joke.
No refund or help there ad tells you to just book your trip you are covered but in reality you are not.
Be aware....
I use my RBC Avion card everywhere, and it does add up the points..
I have only one peeve. When I wish to use some of my points to purchase an item from a "partner" I must request a gift card of my chosen dollar amount and wait for it to come in the mail. If my chosen item is on sale
I will likely miss it as the card will take too long to arrive.
Beware of using your card to car rental insurance. We were upgraded to a BMW 740 for the same cost of a mid car that we reserved. We had a mishap of scraping the car
while driving out of the underground parking. When we returned to claim it on our
insurance they denied coverage as the car was worth more than $65,000, How were
we to know how much that car cost. What a rip off.
