How to apply with a clearer travel goal
Applying for the RBC Avion Visa Infinite can feel exciting if you want your everyday purchases to support future trips. The card is built for Canadians who like flexible travel rewards, compare different airlines and want Avion points that can help with flights, hotels, car rentals and more.
However, the application should start with a realistic look at your profile. The card has a $120 annual fee, a 20.99% purchase rate and a 22.99% cash advance rate. RBC also requires a minimum personal income of $60,000 or household income of $100,000.
Main credit card benefits
The RBC Avion Visa Infinite stands out for travel flexibility. Unlike a card tied to only one airline, Avion points can be used across different travel options. That can help Canadians compare Air Canada, WestJet, Porter or international carriers before booking.
The current RBC offer can reach up to 70,000 Avion points, equal to up to $1,500 in travel value, with applications due by July 15, 2026. RBC also says Avion points can be used for flights, car rentals, hotels and other travel options.
Key benefits include:
- flexible Avion points for travel redemptions;
- 1 point per $1 on qualifying purchases;
- 1.25 points per $1 on eligible travel purchases;
- built-in travel coverage with Avion cards;
- mobile device insurance up to $1,500.
This card can be useful for travellers who want choice. Still, it is not as direct as a cash back card. If you prefer simple monthly savings, another product may feel easier.
Service drawbacks to review
The main drawback is the APR. A 20.99% purchase rate can quickly reduce the value of rewards if you carry a balance. Therefore, this card works best for people who pay the full statement balance each month.
Another limitation is the annual fee. At $120, it needs enough travel value to make sense. If you rarely redeem points, the fee can feel harder to justify.
The card also does not lead on airport lounge perks. RBC Avion Visa Infinite Privilege is stronger for premium travel benefits, but it costs $399 annually and requires higher income. So, the regular Infinite card is more accessible, but less premium.
Requirements and approval documents
RBC lists the income requirement as $60,000 personal income or $100,000 household income. The additional card fee is $50, and the card is in the Visa Infinite category.
RBC does not publish one official minimum required credit score for every applicant. However, Canadian market comparisons often treat this card as suitable for good credit profiles. So, the question “what score do I need to qualify?” should include income, debt, payment history and recent inquiries.
Prepare these items before applying:
- Canadian address and identity details;
- annual personal or household income;
- employment or business income details;
- current debt obligations;
- stable payment history;
- CRA documents for self-employed applicants.
Self-employed Canadians may need stronger proof. CRA notices of assessment, bank statements and active contracts can make income easier to verify.
RBC Avion Visa Infinite
What really works
The RBC Avion Visa Infinite costs $120 per year. That is the same annual fee as RBC Avion Visa Platinum, but the Infinite version requires income eligibility and offers a stronger Visa Infinite positioning.
Compared with RBC Avion Visa Infinite Privilege, it is much cheaper. However, it also has fewer premium travel perks. For many Canadians, this card sits in a practical middle position.
The card earns Avion points and offers more flexibility than many single-brand travel cards. RBC says Avion points can be used for travel, bills, merchandise and transfers to eligible loyalty programs.
Compared with a cash back card, it needs more planning. However, it can deliver stronger travel value if you redeem points carefully.
The purchase rate is 20.99%, while the cash advance rate is 22.99%. That makes the card weak for carrying debt and stronger for paid-in-full users.
This is where fixed monthly payments vs. variable APR options matter. A personal loan or line of credit may be better for predictable borrowing.
The current public offer can reach up to 70,000 Avion points, with a travel value of up to $1,500. RBC says this includes 35,000 points on approval, 20,000 after spending $5,000 in the first 6 months and 15,000 anniversary points.
This can be a strong first-year benefit. However, it works best when the spending requirement matches your normal budget.
The card performs well for flexible travel redemptions. Flights, hotels, car rentals, cruises and vacation packages can be booked through Avion Rewards, with full or partial payment using points.
Compared with Scotiabank Passport Visa Infinite, it is less focused on foreign transaction savings. Still, it can be stronger for travellers who prioritize flexible points.
This comparison shows that the RBC Avion Visa Infinite works best for Canadians who want flexible travel rewards, manageable annual fees and broad redemption options. It is weaker for low-APR needs, lounge-heavy travel or simple cash back.
RBC Avion Visa Infinite can reward flexible travellers
The RBC Avion Visa Infinite can be valuable if you want travel choice, use Avion points strategically and pay your balance every month. Its main advantage is flexibility, especially for Canadians who compare airlines and travel options before booking.
However, it needs the right fit. If you carry balances, travel rarely or prefer cash back, another card may protect your budget better. Want to know how to get approved faster? See the next page.
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