Earn rates
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| Travel purchases (flights, hotels, car rentals, cruises, travel agencies) | 1.25 pts / $1 | ~$1.25 |
| Everything else | 1 pt / $1 | ~$1.00 |
Value shown at 1 Avion point ≈ $0.01 CAD through the Avion Rewards portal. Transfer to a partner program can return more on the right redemption.
Benefits
| Benefit | Details |
|---|---|
| Welcome bonus | Up to 70,000 Avion points (~$700 in portal travel): 35,000 on approval, 20,000 after $5,000 in net purchases within 6 months, and 15,000 as a one-time anniversary bonus. Offer available until November 25, 2026. Verify current offer with RBC before applying. |
| Transfer partners | British Airways Executive Club (1:1), WestJet Rewards (1:1), American Airlines AAdvantage (10:7), Cathay Pacific Asia Miles (1:1). |
| Emergency medical insurance | Out-of-province emergency medical coverage for the first 15 days of a trip. |
| Trip cancellation and interruption | Coverage for non-refundable prepaid travel costs if a trip is cancelled or interrupted for a covered reason. |
| Travel accident insurance | $500,000 common carrier accident coverage. |
| Auto rental collision/loss damage | Waiver covers damage or theft on eligible rental vehicles when the full rental is charged to the card. |
| Delayed and lost baggage | Coverage for essential purchases if checked baggage is delayed or lost. |
| Hotel burglary insurance | Coverage for personal belongings stolen from a hotel room during a covered trip. |
| Petro-Canada savings | 3¢/L discount on fuel when the card is linked to a Petro-Canada account. |
| Be Well points at Rexall | 50 Be Well points per dollar spent at Rexall when paying with this card. |
| Purchase protection and extended warranty | 90-day purchase protection against theft or damage; 1-year extended warranty on eligible purchases. |
Travel insurance on the RBC Avion Visa Infinite
Top 10 of 59 for coverage
Unlimited emergency medical
The RBC Avion Visa Infinite scores 90 of 100 on the figures its certificate publishes, joint 9th of the 59 Canadian cards compared. Emergency medical is uncapped for trips up to 15 days. At 65 the longest covered trip falls from 15 days to 3.
| Emergency medical | Unlimited · age 0–64: 15 days; age 65+: 3 days · 90-day stability window |
|---|---|
| Trip cancellation | $1,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $250 per person · after 4 hours · $500 per trip |
| Baggage delay | $500 per person · after 4 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $65,000 |
A booking made with points still qualifies, though Avion points accepted for full payment; any balance must be charged to the card. You have 30 days from the incident to report a claim. Dependent children are covered to age 21.
Every figure from the certificate, with its own wording
| Emergency medical | limit: Unlimited (in excess of any amount payable by a government health insurance plan or other insurance plan) age 0–64: Unlimited, 15 days; age 65+: Unlimited, 3 days pre existing stability days: 90 days (one hundred and eighty (180) days if you are 75 years of age or older) |
|---|---|
| Trip cancellation | per person: $1,500 (per trip) per account: $5,000 (overall maximum per trip for all covered persons) covered reasons: Your emergency medical condition or death, The emergency medical condition or death of your travelling companion, The emergency medical condition or death of your spouse or your dependent child (first three of thirteen covered reasons; enumeration truncated at 40 words) |
| Trip interruption | per person: $5,000 (per trip) per account: $25,000 (overall maximum per trip for all covered persons) |
| Flight or trip delay | per person: $250 (per day, per covered person) trigger hours: 4 hours (applies to a Missed Connection, Delayed Flight Departure or Denied Boarding where no alternative transportation is made available) per trip cap: $500 (per occurrence for all covered persons) |
| Baggage delay | per person: $500 (per occurrence; $2,500 overall per occurrence for all covered persons) trigger hours: 4 hours (measured from arrival of your flight at the scheduled destination) |
| Lost, stolen or damaged baggage | Not included |
| Travel accident | limit: $500,000 (multiple losses from one accident are capped at the highest single indemnity and will not exceed $500,000) common carrier only: Yes (also covers the terminal, station, pier or airport before or after boarding or disembarking) covers 24h: No (covers accidents while on, boarding or disembarking the common carrier, or in the terminal, station, pier or airport) |
| Hotel or motel burglary | $2,500 (per burglary occurrence for all covered persons) |
| Emergency travel assistance | offered: Yes (assistance and claims services provided by AZGA Service Canada Inc. operating as Allianz Global Assistance) |
| Rental car collision or damage | is primary: Yes (becomes deductible-only cover if you accept the rental agency CDW or cannot decline it) limit basis: the actual cash value of the damaged or stolen rental vehicle, as well as valid towing charges, storage, loss of use charges and up to a fifty dollar ($50) rental agency administration charge (truncated at 40 words; clause continues with a reference to the terms, conditions, limitations and exclusions of the certificate) vehicle value cap: $65,000 (MSRP excluding all taxes, in the vehicle’s model year) max rental days: 48 days (consecutive days) excluded classes: Vans, cargo vans, cube vans or mini cargo vans (other than mini-vans), Trucks, pick-up trucks and/or any vehicle that can be spontaneously reconfigured into a pickup truck (first two of thirteen excluded vehicle items; enumeration truncated at 40 words) territory: This insurance coverage is available on a twenty-four (24)-hour basis and applicable worldwide where permitted by law or under the terms of the rental contract (clause ends without a full stop in the certificate) |
| Purchase protection | days: 90 days (from the date of purchase) limit per year: $50,000 (per account for each calendar year) |
| Extended warranty | years added: 1 year (doubles the original manufacturer’s warranty up to this maximum extension) |
| Mobile device | limit: $1,500 (per claim) requires full charge: Yes (full purchase price on the card and/or Avion points; monthly wireless bills must also be charged to the card when funded through a plan) eligible events: A mobile device purchased using your RBC Avion Visa Infinite card and/or Avion points is insured against all risks of accidental physical loss, accidental damage, or mechanical failure for two (2) years from the date of purchase. (coverage runs two years from the date of purchase and begins 91 days after purchase) |
Figures above are from the RBC Avion Visa Infinite Certificate of Insurance, effective 2023-11-01, underwritten by RBC Insurance Company of Canada; Aviva General Insurance Company for Auto Rental Collision/Loss Damage Waiver only under group policy F-2000375-A. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
What your monthly spend earns
| Category | Monthly spend | Rate | Monthly pts |
|---|---|---|---|
| Travel | $375 | 1.25x | 469 pts |
| All other spending | $2,125 | 1x | 2,125 pts |
| Total | $2,500 | 2,594 pts / mo |
31,125 pts / year (~$311 in Avion portal travel, $191 net of $120 fee). ~1.04% effective return on diversified spend. The Avion Visa Infinite Privilege earns 1.25x on all spend, including non-travel categories.
Good fit if
- You want a transferable-currency travel card through RBC, keeping rewards within one banking relationship.
- You have a specific award target in a partner program, particularly British Airways Avios for short-haul North American routes or Cathay Pacific Asia Miles for premium cabin Asia travel.
- You want a flexible base: redeem at 1¢/pt through the portal for everyday trips, transfer for bigger-value redemptions when the right award opens up.
If that describes you, apply for the RBC Avion Visa Infinite. Not sure yet? Book a free conversation and we will walk through it together.
Less useful if
- You want elevated earn on everyday categories like groceries or gas. This card earns 1 pt/$1 on non-travel, which is a modest return at $120/year.
- You fly Air Canada regularly. Aeroplan offers a deeper partner network and a dynamic award chart with more upside per point.
- You travel internationally often. Both Avion cards are denominated in Canadian dollars and the earn rate on non-travel spend is modest for the fee.