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The RBC Avion Visa Platinum Card offers an accessible way for travellers to collect trip-oriented points and protections.
Feb 20, 2026 2:26 PM
Consider the RBC Avion Visa Platinum Card if you're looking for a straightforward rewards program, valuable travel redemptions, and strong insurance coverage, all for no annual income requirements.
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on RBC's website
Welcome Bonus
Get up to 55,000 Avion points(1) (max travel value of $1,100†)
Annual Fee
$120
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
Purchase APR
20.99%
Cash Advance APR
22.99%□
Balance Transfer APR
22.99%
Annual Fee
$120
Additional Cards
$50
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Pros
Cons
Earning RBC Avion (Elite) Rewards with the RBC Avion Visa Platinum Card is quite simple. Essentially, cardholders collect a flat-rate of 1 point per dollar spent on all eligible purchases. The best part? These points never expire!
Once you round up enough RBC Avion (Elite) Rewards points, you can put them towards the following redemption categories:
These categories are listed from most valuable to least valuable, meaning you extract the most cent-per-point value when you redeem your points towards the Fixed Point Travel Program.
To learn more about each redemption category, see our Credit Card Points Value Calculator.
There are a handful of perks that make the RBC Avion Visa Platinum Card one of the best RBC credit cards in Canada.
The RBC Avion Visa Platinum Card is extremely accessible on account of it avoiding annual income requirements. In other words, your paycheque doesn't determine whether or not you qualify for this card.
To entice applicants even further, cardholders receive tons of RBC Avion (Elite) points upon approval, providing them with an impressive travel value.
By earning cardholders a flat-rate of RBC Avion (Elite) points per dollar spent on all eligible purchases, the RBC Avion Visa Platinum Card's rewards system remains fairly simple.
With protections like trip interruption, trip cancellation, hotel burglary, and flight and baggage delay insurance, the RBC Avion Visa Platinum Card is a great travel companion, providing strong security at a reasonable (annual) cost.
Cardholders also receive discounts on fuel and bonus Petro-Points and Avion points at participating Petro-Canada gas stations.
Expect extra Be Well points per dollar spent on eligible Rexall purchases.
Of course, there are a couple of downsides to consider as well.
While the simple flat-rate on this card is convenient, you don't earn many points on all eligible purchases, nor do do you have the opportunity to earn higher rates on categorical spending.
If you don't plan on redeeming your RBC Avion (Elite) points towards travel, your rewards yield less cent-per-point value on all other redemption categories. Bottom line: this card was built for travellers.
In this next section, we're going to compare the RBC Visa Platinum Card against other credit cards in Canada that are similar either in terms of annual cost, loyalty program, or Visa tier.
Here's a quick look at the comparisons we'll be making:
| RBC Avion Visa Platinum | Scotiabank Gold American Express® Card | RBC Avion Visa Infinite | RBC Avion Visa Infinite Privilege | TD® Aeroplan® Visa Platinum* Card | |
|---|---|---|---|---|---|
Welcome Bonus | Get up to 55,000 Avion points(1) (max travel value of $1,100†) | Earn up to $850 in welcome offers | Get up to 55,000 Avion points(1) | Up to 70,000 Avion points* | Up to $500 in value†, including up to 20,000 Aeroplan points† |
Earn Rates |
|
|
|
|
|
Insurance Included | 10 types
| 13 types
| 13 types
| 13 types
| 7 types
|
Benefits | 2 benefits
| 4 benefits
| 5 benefits
| 7 benefits
| 3 benefits
|
Annual Fee | $120 | $120 | $120 | $399 | $89 (First Year Rebated) |
Income Requirements | N/A | $12,000 personal or $12,000 household | $60,000 personal or $100,000 household | $200,000 personal or $200,000 household | N/A |
Apply Now | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW |
Let's start with one of the best travel credit cards in Canada, the Scotiabank Gold American Express Card. We've included this card in this comparison because it has a similar annual cost. However, with the Scotiabank Gold American Express Card, cardholders can collect more Scene+ points on plenty of specialized categories, including groceries, dining, entertainment, gas, transit, streaming, and Scene+ Travel, Powered by Expedia. That said, RBC Avion (Elite) points are more valuable overall when redeemed towards travel, but Scene+ points yield a higher return rate on everyday redemptions. The Scotiabank Gold American Express Card also comes with more extensive travel coverage and travel-specific perks like no foreign transaction fees and a discount on a Priority Pass membership. However, applicants will need to meet some small income requirements to qualify.
Verdict: The Scotiabank Gold American Express Card is a stronger contender in terms of point accumulation, coverage, and travel perks. That said, cardholders will receive a higher cent-per-point value when they redeem their RBC Avion (Elite) points towards travel.
Now, let's bring in another card that collects RBC Avion (Elite) Rewards points, the RBC Avion Visa Infinite Card. This card offers an additional earn category that collects extra points per dollar spent on eligible travel purchases on top of the standard point per dollar spent on all qualifying expenses. In terms of coverage, the RBC Avion Visa Infinite Card provides even more travel protections, including travel medical insurance for seniors. In addition to gas discounts and extra point potential at Petro-Canada and Rexall, the RBC Avion Visa Infinite Card provides car rental discounts, concierge services, and DoorDash deals. The catch? Applicants must meet some income requirements to qualify.
Verdict: If you meet its annual income requirements, the RBC Avion Visa Infinite Card is the better option in terms of RBC Avion (Elite) point accumulation, coverage, and perks.
Perhaps you'd prefer the most premium RBC Avion (Elite) point earner. In that case, consider the RBC Avion Visa Infinite Privilege Card, one of the best lounge credit cards in Canada. This contender features slightly more points on all eligible purchases, better insurance coverage, and tons of extra benefits, including airport lounge access, concierge services, and priority travel perks. Of course, to account for such luxury, applicants can expect a hefty annual fee and high income requirements.
Verdict: The RBC Avion Visa Infinite Privilege Card is best suited to high-earning applicants who want the most premium RBC Avion (Elite) contender.
Constantly flying with Air Canada? If so, check out the TD Aeroplan Visa Platinum Card, one of the best Aeroplan credit cards in Canada. We're including this contender because it also comes from the Visa Platinum tier. Regarding rewards, the TD Aeroplan Visa Platinum Card optimizes gas, groceries, and Air Canada purchases. You can even double your earnings when you shop at Aeroplan partner brands. However, Aeroplan points are generally less valuable when redeemed towards travel. Unfortunately, when it comes to coverage, the TD Aeroplan Visa Platinum Card also falls short. The plus side? The TD Aeroplan Visa Platinum Card has a lower annual fee, one that's waived for the first year of membership.
Verdict: The TD Aeroplan Visa Platinum Card is the more affordable Visa Platinum option designed specifically for Air Canada travellers.
The RBC Avion Visa Platinum Card's annual fee reflects its features, such as its solid insurance coverage, rewards program, and admirable perks.
RBC Avion (Elite) points are worth it if you intend on using them towards travel.
The best way to redeem your RBC Avion (Elite) points is towards the Fixed Point Travel Program, but you can also receive commendable cent-per-point value when you redeem your rewards towards transfers to airline partners and general travel.
No. The RBC Avion Visa Platinum Card currently avoids annual income requirements, making it extremely accessible.
About the author

Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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