Working hard in the background...
Card Details
Interest Rates
Purchase: 20.50%
Cash Advance: 22.99%□
Balance Transfer: 22.99%
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $165
Additional Cards: $75
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Receive up to 60,000 Aviosˆ, here’s how:
- Collect a 30,000 Avios Welcome Bonus when you spend $5,000 CAD in the first three months of account opening.
- Collect a further 30,000 bonus Avios when you spend $5,000 CAD in months 4-6 of account opening.
If you do not meet the $5,000 CAD spend in the first three months, you can still collect 30,000 bonus Avios if you meet the spend requirement in months 4-6.
Our Rating
3.8/5
Institution
RBC
How You Earn Rewards
- Earn 3 Avios for every $1 CAD spent on British Airways and BA Holidays*
- Earn 2 Avios for every $1 CAD spent on qualifying dining spend*
- Earn 1 Avios for every $1 CAD spent on qualifying net purchases*
- Earn a companion voucher when you spend $30,000 CAD annually. You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.˜
- 10% off British Airways flights when you book and pay with your card∞
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Emergency Medical Term
31 daysEmergency Medical (65+)
7 days
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
yes
Flight Delay
$500Baggage Delay
$500
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Benefits
Details
Companion Voucher
Receive a Companion Award eVoucher when you spend $30,000 or more in any calendar year
Discount
Enjoy 10% off British Airways flights when you book and pay with your card.svg)
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Pros & Cons
Pros
- Generous welcome bonus: Up to 60,000 Avios can translate up to $1020 in travel value.
- Triple Avios on British Airways flights, making it ideal for frequent travelers.
- 10% discount on British Airways flights.
- Companion Award eVoucher: Great value for frequent British Airways flyers.
- 9 types of insurance included, such as travel accident, flight delay, and rental car insurance.
- 3 cents per litre savings at Petro-Canada with linked cards.
Cons
- High income requirements: Must have either $60,000 personal or $100,000 household income to qualify.
- Limited flexibility: Avios can only be used with British Airways and oneworld alliance airlines, limiting options for domestic or non-alliance travel.
- Companion Voucher requires $30,000 in annual spending, which may not be accessible for all cardholders.
Legal
^This offer only applies to new applications for a RBC British Airways Visa Infinite credit card received and approved by Royal Bank of Canada (“Royal Bank”) between July 23, 2025 and February 25, 2026 (“Offer Period”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC British Airways Visa Infinite credit card account are not eligible for this offer. Existing cardholders on any RBC Royal Bank personal credit card account transferring to a RBC British Airways Visa Infinite credit card, are not eligible for the offer.
To receive the initial offer of 30,000 Avios points (“Initial Bonus”), (i) a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 90 days of your Credit Card Account opening date (“Initial Period”), and (ii) your Credit Card must remain open and in good standing, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time. If you are not currently a member of The British Airways Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite credit card. Please note that the address your British Airways Club account is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your British Airways Club account. The Initial Bonus will be awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Qualifying Transactions within the Initial Period.
To receive the additional 30,000 Avios points (“Additional Bonus”), (i) a separate amount totaling $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within 91 - 180 days of your Credit Card Account opening date (“Subsequent Period”), and (ii) your Credit Card must remain open and in good standing at the time the Additional Bonus are awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Subsequent Qualifying Transactions.
For greater certainty, you may qualify for the Additional Bonus notwithstanding not having qualified for the Initial Bonus and likewise, you may qualify for the Initial Bonus and not qualify for the Additional Bonus where the Qualifying Transaction Amount has not been reached.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close or change your RBC British Airways Visa Infinite credit card for another type of RBC Royal Bank credit card before the Initial Bonus and/or the Additional Bonus have been credited to your British Airways Club account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. Royal Bank of Canada and British Airways reserve the right to modify, cancel or withdraw this offer at any time. British Airways, not Royal Bank of Canada, is responsible for this offer and The British Airways Club programme. For all British Airways Club Terms and Conditions, please visit ba.com/theclub.
Eligible members who spend a minimum of $30,000 CAD on qualifying purchases on their card in a calendar year (“calendar year” refers to the time period starting from January 1 and ending December 31) will receive a maximum of one Companion Voucher for that calendar year. See ba.com/rbc-visa for full terms and conditions.
Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.