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CREDYS CARD STORIES · 6 MIN READ

RBC Avion Visa Infinite: how to decide whether flexible travel points matter

Points, redemption rules, income requirements and travel insurance: the practical questions behind the travel-card pitch.

Applying takes place on the official RBC website. Credys does not issue cards or approve applications.

A couple reviewing a credit card and laptop at home; editorial photograph, no implied issuer endorsementReal-world moments · independent editorial context
Why this card might fit

The everyday story behind the card

Consider a traveller who flies a few times a year but does not always use the same airline. Flexibility may matter more to them than a card that only makes sense with a single travel partner.

Avion points can be used in several ways, but redemption value may depend on the travel booking method and the fare. Instead of assuming every point has a fixed cash value, compare a trip you would really book using points versus paying cash.

Product photograph: RBC Avion Visa Infinite
PRODUCT AT A GLANCE

RBC Avion Visa Infinite

Annual fee$120/year
Purchase APR20.99%
Rewards focusAvion travel points
See the full fee breakdown →

How this plays out in a Canadian budget

A person planning visits to family across Canada may prefer flexible travel dates. Someone who rarely books flights might value uncomplicated cash back instead. The annual fee is only worthwhile when you make practical use of the benefits.

The fine print you should not skip

Check the C$60,000 personal or C$100,000 household income requirement, insurance eligibility, covered reasons for trip cancellation, foreign currency fees and any limitations in travel redemption charts.

Three questions to answer before applying

  1. Are you likely to redeem points for actual travel purchases?
  2. Do you meet the stated income requirements?
  3. Do the insurance benefits cover the kind of trips you take?

Before you continue

Read the current cardholder agreement, latest offer, applicable spending caps and any provincial differences on the issuer’s website. Approval depends on the issuer’s assessment; Credys cannot determine your eligibility. Rewards are generally not worth carrying an interest-bearing balance.

Ready to continue?

Apply directly with RBC

You have reviewed the card and the real-world considerations. Continue on the official bank or card issuer website to see the application and current terms.

Apply now with RBC ↗

Official issuer site · External link · Terms and approval criteria apply

Editorial note: This is a researched comparison based on public issuer materials, not first-hand card testing or personalised credit advice. Illustrative photographs do not depict issuer clients or endorsements. Verify the current rates, bonus terms and eligibility on the official issuer page. See our methodology and commercial disclosure.