Pros & cons
Pros
- Up to 60,000 Avios.
- Triple Avios on British Airways flights.
- 10% off British Airways flights.
- Includes 9 types of insurance.
- Get a Companion Award eVoucher when you spend $30,000 annually.
- Save 3 cents per litre on fuel at Petro-Canada.
Cons
- Only earns 1 Avios per $1 spent on almost all purchases.
- High income requirements of either $60,000 personal or $100,000 household.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 60k Avios + $120 which translates to an estimated $1,170.◊
For all welcome bonus details click here.
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 British Airways Visa Infinite, here's how you earn rewards:
- 3 Avios per $1 spent on British Airways and BA Holidays
- 2 Avios per $1 spent on restaurants
- 1 Avios per $1 spent on all other 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 British Airways Visa Infinite in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Flights | $494 |
Calculating your annual rewards
$24,000 annual spending x 2.06% return on spending = $494 annual rewards
$494 annual rewards − $165.00 annual fee = $329 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- $60,000
- Household Income
- $100,000
- Annual Fee
- $165.00
- Extra Card Fee
- $75
- Card type
- Credit
- Purchase
- 20.50%
- Cash Advance Δ
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Travel Accident
- $500,000
- Emergency Medical Term
- 31 days
- Emergency Medical over 65
- 7 days
- 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 British Airways Visa Infinite's 3.4 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.
Top cards from RBC
RBC British Airways Visa Infinite review
If you travel often with British Airways, look no further for the ultimate travel rewards card for you.
RBC has teamed up with British Airways and their oneworld alliance partner airlines to give you the RBC British Airways Visa Infinite card, which offers outstanding rewards, comprehensive insurance, and Visa Infinite privileges.
Earning British Airways Avios
It's got the British Airways logo on it, so it's no surprise you'll be earning Avios on all your purchases.
You'll earn Avios at these rates:
- 3 Avios per $1 spent on British Airways and BA Holidays
- 2 Avios per $1 spent on restaurants
- 1 Avios per $1 spent on all other purchases
We value each Avios at 1.75 cents each, giving a return on your spending of between 1.75% to 3.5% on your spending.
And even though you're earning points with British Airways, you'll be able to redeem them on any oneworld carrier, with the ability to get you almost anywhere in the world.
4 benefits to the British Airways Visa Infinite
Above the rewards, here are 4 other reasons to get excited about the RBC British Airways Visa Infinite.
1. Huge welcome bonus
This card is particularly remarkable for its sign-up bonus. You receive 15,000 Avios upon approval, plus add 35,000 bonus Avios when you spend $6,000 during your first 3 months. So, if there's a big purchase you've been putting off, now could be the time to take advantage of this awesome sign-up bonus.
Plus, when you renew your card for a second year, you get another 10,000 Avios on top of that.
Those 60,000 Avios are worth up to $1,050 – an amazing welcome bonus.
2. Flight rewards and companion eVoucher
Your rewards can be redeemed on flights and upgrades with British Airways and any oneworld alliance partners, like
- American Airlines,
- Cathay Pacific,
- Finnair,
- Japan Airlines,
- Qantas,
- and many others around the world.
Another awesome reward? When you spend $30,000 annually, you get a Companion Award eVoucher for a second passenger ‒ for either economy or business class. Now THAT is a bonus.
Please note: This voucher can only be used in conjunction with an Avios award ticket for a British Airways flight, and not a paid ticket. This voucher only covers the base air fare, so you will also have to pay any applicable taxes, fees, and carrier charges. However, if you use it to fly solo, you'll be able to use it and use 50% fewer Avios to get your booking.
3. Visa Infinite benefits
While standard on many Visa cards, Visa Infinite benefits are here to make things better.
Some of these benefits include:
- concierge service,
- Visa Infinite Luxury Hotel Collection,
- Visa Infinite Dining series, and
- Visa Infinite Wine Country program.
4. Complimentary insurance package
To top it all off, with this card, you get 9 different types of insurance, which include:
RBC® British Airways Visa Infinite‡
| Extended Warranty | 1 year |
| Purchase Protection | 90 days |
| Travel Accident | $500,000 |
| Emergency Medical Term | 31 days |
| Emergency Medical over 65 | 7 days |
| 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.
So, you know you’ll be covered for nearly anything that could happen throughout your travels.
3 downsides to the British Airways Visa Infinite
It's far from perfect however. Here are 3 things to keep in mind.
1. Limited flight options
One very obvious negative to this card is its inflexibility when it comes to Avios redemption ‒ British Airways and oneworld alliance airline partners flights are the only options available.
And that means, you can't use your Avios for flights within Canada. It's international travel or bust.
So, if those airlines do not work for you, you might want to consider a different card.
2. Limited use Companion Voucher
The Companion Voucher isn't overly exciting either.
First, you need to spend $30,000 per year just to access it.
And when you do get it, your companion Award eVoucher can only be used with an Avios award ticket for a British Airways flight, not a paid ticket. So, this means you need to earn enough Avios to redeem for a ticket in order to use the eVoucher.
3. High income requirements
Finally, there are some high income requirements to meet. You'll need either a personal income of $60,000 or a household income of $100,000 to qualify for this card.
Comparison to the RBC Avion Visa Infinite
There's another way to earn British Airways Avios on purchases, and that's with the
It doesn't earn Avios directly, but your RBC Avion Rewards transfer at a 1:1 ratio to Avios.
| RBC British Airways Visa Infinite | RBC Avion Visa Infinite | |
|---|---|---|
| Earn Rates |
* 3 Avios per $1 spent on British Airways and BA Holidays * 2 Avios per $1 spent on restaurants * 1 Avios per $1 spent on all other purchases |
* 1.25 points per $1 spent on travel * 1 point per $1 spent on all other purchases |
| Welcome Bonus | 60,000 points (terms) | 55,000 points (terms) |
| Annual Fee | $165 | $120 |
| Insurance Coverage | 9 | 12 |
| Perks | * Annual Companion Voucher | * Transfer points to 5 airlines * Avion Air Travel Redemption chart * Redeem for any travel |
| Apply Now | Apply Now | Apply Now |
When it comes to earning rewards on your daily purchases, these cards are identical – you'll earn 1 point per $1 spent on most of your purchases.
So, the major differences lie within the perks and annual fees.
With an RBC Avion card, you get many more ways to use your points for travel. And, it's for a lower annual fee.
However, if you're a big spender, the Companion Voucher can lead to some big time savings every year you have the card, assuming you can fly with British Airways once per year.
But otherwise, an RBC Avion card is probably going to be better for you.
Your turn
It's an interesting airline credit card, especially useful for international travel. But, if you're thinking you may use miles for travel within Canada, this card won't be of much help.
Have this card? Had it in the past?
Leave a user review so others can see what your experience was.
FAQ
What does the British Airways Visa Infinite offer for rewards?
The British Airways Visa Infinite offers Avios on all purchases. You'll earn 1 Avios per $1 spent on all purchases, which is doubled on British Airways purchases.
Does the RBC British Airways Visa Infinite offer any special perks?
The British Airways Visa offers one special perk. Spend $30,000 per year on the card, and you'll unlock a Companion Voucher. Redeem for a rewards flight on British Airways, and you'll be able to take someone else with you for just the taxes and fees. Or if you're flying by yourself, you can use it to pay 50% fewer Avios on your booking. It also includes a 10% discount on British Airways flights.
What is the annual fee and income requirements of the RBC British Airways Visa Infinite?
The British Airways Visa Infinite requires either a personal income of $60,000 or a household income of $100,000. It has a $165 annual fee.
Key benefits
Refer to RBC page for up to date offer terms and conditions.
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
ˆ This offer only applies to new applications for a RBC British Airways Visa Infinite credit card received and approved by Royal Bank of Canada ("Royal Bank") between July 23, 2025 and February 25, 2026 (“Offer Period”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC British Airways Visa Infinite credit card account are not eligible for this offer. Existing cardholders on any RBC Royal Bank personal credit card account transferring to a RBC British Airways Visa Infinite credit card, are not eligible for the offer.
To receive the initial offer of 30,000 Avios points ("Initial Bonus"), (i) a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 90 days of your Credit Card Account opening date (“Initial Period”), and (ii) your Credit Card must remain open and in good standing, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time. If you are not currently a member of The British Airways Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite credit card. Please note that the address your British Airways Club account is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your British Airways Club account. The Initial Bonus will be awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Qualifying Transactions within the Initial Period.
To receive the additional 30,000 Avios points ("Additional Bonus"), (i) a separate amount totaling $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within 91 - 180 days of your Credit Card Account opening date (“Subsequent Period”), and (ii) your Credit Card must remain open and in good standing at the time the Additional Bonus are awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Subsequent Qualifying Transactions.
For greater certainty, you may qualify for the Additional Bonus notwithstanding not having qualified for the Initial Bonus and likewise, you may qualify for the Initial Bonus and not qualify for the Additional Bonus where the Qualifying Transaction Amount has not been reached.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close or change your RBC British Airways Visa Infinite credit card for another type of RBC Royal Bank credit card before the Initial Bonus and/or the Additional Bonus have been credited to your British Airways Club account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. Royal Bank of Canada and British Airways reserve the right to modify, cancel or withdraw this offer at any time. British Airways, not Royal Bank of Canada, is responsible for this offer and The British Airways Club programme. For all British Airways Club Terms and Conditions, please visit ba.com/theclub.
** If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months. If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000. Enrolment is easy for eligible cardholders. You may cancel at any time. Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes). Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant®.
User reviews
Reviewed by 9 Canadians
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Met Annual Threshold for Companion voucher confirmed by RBC, but it was never granted and on repeated follow ups they ignore/say they can't do anything. Statements unprofessional as they do not track your spend/miles so you have nothing to fall back on.
I have been chasing for my welcome bonus for more than half a year now, I still haven't received it despite meeting the spending requirement longgg time ago. Customer service is appalling.
It's good in principle, but the Avios points system stopped working and they haven't been able to fix it.
The companion ticket voucher is amazing. Two people can fly first class for effectively half the points.
No trip cancellation or trip interruption insurance coverage which is very important for travellers
