Eligible travel purchases: 25% more points on travel spending
Issuer's current offer
Up to 70,000 Avion points (limited-time issuer offer)
Issuer listed 35,000 points upon approval, 20,000 after spending C$5,000 in 6 months and 15,000 anniversary points, subject to terms.
◷ Issuer lists November 25, 2026 deadline
Welcome offers can change. Always check the issuer’s live page before submitting your application.
How you earn rewards
Understand what earns more, and where the base rate applies.
Other eligible purchases
Benefits worth understanding
Protections, travel features and everyday extras depend on terms and conditions.
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Flexible flight redemptions and access to the Avion travel booking program
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Eligible trip cancellation, medical and rental car insurance
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Eligible points transfers to participating travel rewards partners
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Visa Infinite travel and lifestyle privileges subject to terms
Who this card feels right for
A travel-first option
This card is usually most attractive to travellers who want flexibility rather than pure cashback. If you like travel perks, an established rewards ecosystem and premium positioning, it can be worth a close look.
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Frequent or occasional travellers who want flexible airline booking options.
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Keep the annual fee, interest rate and category caps in mind before applying.
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If this feels like a fit, you can read the next Credys card story before opening the official issuer application.
Our honest breakdown
A balanced look at what this card does well — and where it may fall short.
What we like
- Flexible travel redemptions on multiple airlines
- Good fit for users of Avion transfer partners
- Meaningful travel-insurance package
What to consider
- C$120 annual fee
- Personal or household income threshold
- Point values depend on how you redeem
Good fit
Frequent or occasional travellers who want flexible airline booking options.
Consider another card if…
Someone seeking a no-fee cash back card for everyday groceries.
Rates, fees and important details
Amounts shown in Canadian dollars. Issuer agreements and provincial rules prevail.
Annual fee$120/year
Purchase interest rate20.99%
Cash advances22.99%
Foreign currency feeUsually 2.5%; verify issuer disclosure
Additional cardholdersC$50/year
Income / eligibility noteC$60,000 personal or C$100,000 household annual income
Issuer / networkRBC · Visa
Information reviewedNovember 9, 2026
Not every fee is displayed here. Review the issuer’s full card agreement for balance transfers, insurance exclusions, caps, grace periods and provincial variations.
Who can apply?
Meeting these general criteria does not guarantee approval.
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Minimum C$60,000 personal or C$100,000 household income
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Subject to RBC credit assessment
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Live in Canada and satisfy RBC application requirements
How to apply in 3 steps
01Review the card details on this Credys page.
02Click Apply to continue to the official RBC page.
03Submit your application directly with the issuer.
Frequently asked questions
Can I use Avion points on any airline?
RBC advertises the option to book eligible flights on any airline, subject to availability and program rules.
What is the annual fee?
C$120 per year for the primary card.
Is the current welcome offer permanent?
No. The offer is time-limited and has an advertised November 25, 2026 deadline.
Compare other Canadian cards
Ready to take the next step?
Apply →One more read before applying: what this card means in real life
You’ve read the Credys review. Now you can move to the live issuer page to confirm final terms and apply securely.
Primary product source: official RBC product page. Last editorial check: 2026-11-09.