The RBC Avion Visa Infinite is not just a credit card, it’s your ticket to premium travel perks and seamless financial management. From earning impressive rewards to accessing a range of luxury benefits, this card is designed for those who value travel and lifestyle enhancements. One of its standout perks? You can redeem points with no blackout dates or seat restrictions, giving you flexibility and freedom on your journeys.
For frequent travelers, the RBC Avion Visa Infinite provides a variety of insurance benefits to give you peace of mind on the road, while its generous welcome offer lets you start earning points right away. It’s a card that blends luxury and practicality, giving you rewards that match your spending habits and travel ambitions.
Key information about the RBC Avion Visa Infinite
This premium travel credit card offers a rich set of benefits tailored specifically for those who love to explore the world, whether you’re a frequent flyer or just beginning your travel adventures. With every swipe, you’re not just making a purchase; you’re earning points that can take you on your next adventure. The card’s comprehensive offerings ensure that you can travel smartly and stylishly.
Additionally, the RBC Avion Visa Infinite cardholders enjoy various travel-related perks that can elevate their experiences, from exclusive access to luxury services to extensive coverage that protects their travels. Whether you are booking a last-minute trip or planning a vacation far in advance, the RBC Avion Visa Infinite is designed to meet your every need.
How does the annual fee work?
When considering a credit card, one important aspect to evaluate is the annual fee. The RBC Avion Visa Infinite comes with a competitive annual fee of $120, which is fairly standard for a travel rewards card of this caliber. For those looking to add supplementary cards for family members or friends, there is an additional charge of $50 per card.
Although there is no option for a fee waiver, the significant welcome bonus of up to 55,000 Avion points, along with the potential to earn even more points through daily spending, easily offsets the cost. This makes the card a worthwhile investment for avid travelers who can capitalize on the rewards it offers.
Moreover, when you compare this fee with the potential value of the points earned, particularly for someone who travels frequently, it becomes apparent that the benefits far outweigh the costs. By effectively managing your spending and utilizing the card for travel-related expenses, you can maximize your rewards and enjoy a return on your investment.
How is the credit limit determined?
When it comes to credit cards, understanding how the credit limit is determined can be crucial. Like most credit cards, RBC assesses your credit limit based on your overall financial profile, which includes your income, credit score, and credit history. For applicants with higher incomes, especially given the card’s requirement of a minimum personal income of $60,000, you can expect a credit limit that reflects this.
RBC may also conduct periodic reviews of your financial standing, allowing them to adjust your limit over time based on your spending patterns and payment history. This means that responsible use of the card, such as making payments on time and keeping balances low, could lead to increased credit limits in the future.
For those who opt for a prepaid version, the process is quite different. The cardholder, in this case, decides the limit by making deposits into the card, offering a level of control and predictability that some may find appealing.
Advantages of the RBC Avion Visa Infinite
This card comes with a suite of advantages that cater to frequent travelers and those who enjoy premium experiences:
- Earn 1 Avion point per $1 spent on all purchases
- Additional 25% points on eligible travel-related purchases
- No blackout periods or seat restrictions for flights
- Access to Visa Infinite luxury benefits such as exclusive events and dining offers
- Comprehensive travel insurance including trip cancellation and interruption
- Mobile device insurance up to $1,500
Standout advantage: Flexible travel rewards
The most notable feature of the RBC Avion Visa Infinite is the flexibility of its points redemption system. You can fly with any airline, book any flight, and do so at any time, even during peak travel seasons.
Plus, RBC’s easy-to-use booking tool allows you to redeem points for travel instantly, ensuring that your rewards are always within reach. Whether you’re booking a one-way flight with just 7,500 points or a grand adventure, the flexibility is unmatched.
Disadvantages of the RBC Avion Visa Infinite
While the card offers many benefits, there are some drawbacks to consider:
- Annual fee of $120 (non-waivable)
- High purchase rate of 20.99%
- Minimum income requirement of $60,000 personal or $100,000 household
Standout disadvantage: High-income requirement
One of the biggest hurdles for potential cardholders is the relatively high income threshold. With a minimum personal income of $60,000 or household income of $100,000, it may not be accessible to everyone. This limits the pool of applicants, making it more suited for those with stable, higher incomes.
Who can apply for the RBC Avion Visa Infinite?
To apply for this card, you must meet several criteria:
- Be at least 18 years old (19 in certain provinces)
- Have a minimum personal income of $60,000 or a household income of $100,000
- Possess a good to excellent credit score
- Be a resident of Canada
The card isn’t geared toward individuals with poor credit or those looking for easier approval processes, as the income and credit score requirements are fairly stringent.
How to apply for the RBC Avion Visa Infinite
RBC offers several easy ways to apply for this premium credit card, ensuring that no matter your preference, you can complete your application efficiently.
Applying through the website
You can quickly apply through RBC’s official website. The online form is straightforward, and you can expect to receive a response in less than 60 seconds. All you need is your personal and financial information on hand to complete the process smoothly.
Applying through the mobile app
The RBC mobile app allows for a seamless application process. Simply log into your RBC account or create a new one, then navigate to the credit card section to apply directly from your mobile device. This is a great option for those on the go.
Applying in-store or at a branch
Prefer a more personal touch? You can visit any RBC branch to apply in person. An RBC representative will guide you through the process, making sure all your questions are answered. This option is ideal if you want assistance in choosing the right card for your needs.