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Terms read from RBC's page on Oct 16, 2026.
Year 1, after fees
$432
Year 2+, after fees
$113
every year after
3 years, after fees
$745
Break-even
Month 1
Earn rate by category
Points at 0.58¢ each (cash or statement credit); published range 0.58¢ to 2.14¢. Source: RBC Avion Visa Infinite card page.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $268 | −$51 | $252 | Month 1 |
| Couple ($2,555/mo) | $377 | $58 | $579 | Month 1 |
| Family ($3,350/mo) | $432 | $113 | $745 | Month 1 |
| Frequent traveller ($3,880/mo) | $469 | $150 | $856 | Month 1 |
| Big spender ($7,960/mo) | $753 | $434 | $1,708 | Month 1 |
Who it suits
- People who want one flat rate on everything.
Who should skip it
- Light spenders: on a student's $985 a month it doesn't earn back its $120 fee after year 1.
Fees and rates
- Annual fee
- $120
- Additional card
- $50
- Foreign transaction fee
- Not stated
- Purchase APR
- 20.99%
Rewards
- 1x on everything else
Eligibility and availability
- Income
- None published
- Provinces
- All (no restriction stated)
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: RBC Avion points at 0.58 cents each: no redemption style chosen, so cash or statement credit. Source: RBC Avion Visa Infinite card page.
- Welcome bonus: 35,000 points on approval and 20,000 after $5,000 in 6 months. Your spending meets it in month 1.
Not counted or not confirmed
- Foreign transaction fee isn't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $113.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
CIBC Dividend Visa InfiniteYear 2+ $767
Frequently asked questions
Is the RBC Avion Visa Platinum worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $432 in year 1 and $113 a year after that, after a $120 annual fee. It covers its fee by month 1.
What is the RBC Avion Visa Platinum welcome offer?
35,000 points on approval and 20,000 after $5,000 in 6 months. The issuer lists it until Nov 25, 2026.
Does the RBC Avion Visa Platinum charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.