RBC · Visa
$399 for a flat 1.25 Avion points a dollar and no bonus categories at all. The 35,000 points on approval need no spending.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- 35,000 Avion points on approval with no minimum spend
- A flat 1.25 points a dollar with nothing to track
- Six airport lounge visits and rental car collision damage cover
- Double redemption value on business and first class tickets booked through Avion Rewards
- $1,500 of mobile device insurance
Watch out for
- A flat 1.25 points a dollar for $399, barely above RBC's own $120 Avion Visa Infinite
- Avion is a fixed value programme with no airline transfer partners, so 1.25 points is 1.25%
- 45,000 of the advertised 100,000 points only arrive at the first anniversary, after a second $399 fee
- RBC publishes no insurance dollar limits, day limits or age limits on the product page
- Additional cards cost $99 each
- $200,000 personal or household income required
What this card earns
- Everything else
- 1.25x
- Bonus categories at once
- 1 you choose which
- What we value a point at
- 1¢
The earning fine print
Flat 1.25 Avion points per $1 CAD on all qualifying purchases. There are no accelerated spending categories on this card. RBC advertises double redemption value on business and first-class air tickets booked through Avion Rewards, which is a redemption-side benefit rather than an earn rate. No annual earn caps published.
The welcome offer
- Welcome bonus
- 35,000 points after you spend $0
- Second tier
- 20,000 points after you spend $5,000, within 6 months
- Offer ends
- 2026-11-25
What the offer actually requires
Up to 100,000 Avion points: 35,000 on approval, 20,000 more after $5,000 of spend in the first 6 months, and a one-time 45,000-point anniversary bonus. Apply by November 25, 2026. The 45,000-point anniversary tier does not fit the two-tier schema and is described here.
Fees and interest rates
- Annual fee
- $399
- Additional card
- $99
- Foreign transaction fee
- 2.5%
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- 22.99%
Who can get this card
- Minimum personal income
- $200,000
- Minimum household income
- $200,000
Insurance and benefits
- Mobile device
- $1,500
- Rental car damage waiver
- Included
- Purchase protection
- Included
- Extended warranty
- Included
- Airport lounge
- 6 free visits a year
- Concierge
- Included
What the benefits really mean
Coverages listed on the product page: Out of Province/Country Emergency Medical, Travel Accident, Auto Rental Collision/Loss Damage Waiver, Trip Cancellation, Trip Interruption, Delayed Baggage, Flight Delay, Hotel/Motel Burglary, Lost or Stolen Baggage, Purchase Security and Extended Warranty, and Mobile Device Insurance up to $1,500. RBC publishes dollar limits and day/age limits only in separate insurance certificates, so those amounts are NOT PUBLISHED. 6 airport lounge passes per year, airport security fast-track lanes, premium parking at select Canadian airports, Visa Infinite Hotel Collection and complimentary concierge. For $399 the card earns a flat 1.25 points per $1 with no bonus categories. Barely above RBC's $120 Avion Visa Infinite. 45,000 of the advertised 100,000 points only arrive at the first anniversary, after a second $399 fee. RBC does not publish a single insurance dollar limit or day/age limit on the product page. Every coverage amount except mobile device is NOT PUBLISHED. Minimum income is $200,000 personal AND $200,000 household as published. RBC's own Information Box PDF and the live product page disagree on the purchase rate (19.99% vs 20.99%).
Our verdict
$399 buys a flat 1.25% and six lounge visits. RBC's own Avion Visa Infinite costs $120 and also earns 1.25 points a dollar, so you are paying $279 a year for lounge access, higher insurance limits RBC will not publish, and better redemption on premium cabins. That is a narrow case.
The 35,000 points on approval with no spending requirement is real money and worth taking. Just read the 100,000 point headline carefully: 45,000 of it arrives at the first anniversary, which means paying a second $399 to collect it. On the premium cabin redemption, RBC does deliver genuine value if you actually book business class through Avion, and that is the one argument that makes the fee make sense.
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Compare this against every card we track
Where this came from. RBC Avion Visa Infinite Privilege product page (fees, APRs, income requirement, earn rate, welcome tiers, offer deadline, lounge, mobile device limit) and RBC's Avion Information Box PDF, which confirms the $399/$99 fee structure, the 2.5% foreign currency conversion charge over RBC's benchmark rate, and cash advance fees of $3.50 in Canada / $5.00 outside Canada. Note the Information Box PDF is an older revision quoting 19.99% on purchases; the current product page states 20.99%, which is what is recorded.. We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.