RBC Avion Visa Platinum Review

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

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Written By
Lead Writer
Kevin Shahnazari
Co-founder
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The Bottom Line


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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Welcome Bonus

Get up to 70,000 Avion points(1) - a travel value of up to $1,500!†

Rewards Rate

1x

Points

Annual Fee

$120

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Rewards

  • Earn 1 Avion point on all eligible purchases2. Plus, Avion points never expire14.

Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • pause

    Trip Interruption

    $2,500
  • cancel airplane

    Trip Cancellation

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2,500
  • hourglass timer

    Baggage Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Flight Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes

Benefits

Details

  • gas station

    Gas Discount

    save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
  • reward cup

    Extra points

    50 Be Well points for every $1 spent on eligible products at Rexall

Eligibility

  • Credit Score

    Good
  • Annual Income

    N/A

Welcome Bonus Details


Get up to 70,000 Avion points1 - a travel value of up to $1,500!† Apply by November 25, 2026.

  • Get 35,000 Avion Points on approval1
  • 20,000 bonus points when you spend $5,000 in your first 6 months1
  • 15,000 one-time anniversary bonus points1

Card Details


Interest Rates

Purchase APR

20.99%

Cash Advance APR

22.99%□

Balance Transfer APR

22.99%

□ Cash advance rate for Quebec residents is 21.99%

Fees

Annual Fee

$120

Additional Cards

$50

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

N/A

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Pros & Cons


Pros

  • Comprehensive insurance
  • Petro Canada perks
  • No income requirements

Cons

  • Annual fee
  • Low optimization
  • Low non-travel value

Our Detailed Review


How You Earn Rewards with the RBC Avion Visa Platinum Card

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!

How You Redeem Rewards with the RBC Avion Visa Platinum Card

Once you round up enough RBC Avion (Elite) Rewards points, you can put them towards the following redemption categories:

  • Fixed Point Travel Program
  • Transfer to Airline Partners
  • Travel
  • Financial products
  • Gift cards
  • Merchandise
  • Statement credits

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.

Benefits and Perks


6 Benefits of the RBC Avion Visa Platinum Card


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.


Drawbacks and Considerations


2 Drawbacks of the RBC Avion Visa Platinum Card


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.


Compare to Similar Cards


Comparison to Other Similar Cost/Tier/Loyalty Credit Cards in Canada


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:


Scotiabank Amex Gold

Scotiabank

5.0

Great rewards, travel benefits and no FX fees
RBC Avion Visa Infinite

RBC

4.4

Best RBC travel credit card
RBC Avion Visa Infinite Privilege

RBC

4.4

Premium Avion Card with complimentary lounge passes

Annual Fee

$120

$120

$120

$399

$89

$0 first year

Interest Rates

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Purchase

21.99%

Cash advance

22.99%

Balance transfer

22.99%

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Quebec

21.99%

Purchase

21.99%

Cash advance

22.99%

Quebec

21.99%

Welcome Bonus

Get up to 70,000 Avion points(1) - a travel value of up to $1,500!†

Earn up to $950 in welcome offers, first year rewards and savings value, and up to 50,000 bonus Scene+ points.

Get up to 70,000 Avion points(1)

Get up to 100,000 Avion points(1)

Up to $500 in value†, including up to 20,000 Aeroplan points†

Rewards

$1,745.84

First year rewards

$1,016.6

First year rewards

$1,453.28

First year rewards

$2,182.52

First year rewards

$707.41

First year rewards

Apply Now

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on Scotiabank's website

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on RBC's website

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on RBC's website

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on TD's website

Welcome Bonus Details

Earn Rates

Insurance Coverage

Extra Benefits

Requirements


RBC Avion Visa Platinum Card vs Scotiabank Gold American Express Card


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.


RBC Avion Visa Platinum Card vs RBC Avion Visa Infinite Card


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.


RBC Avion Visa Platinum Card vs RBC Avion Visa Infinite Privilege Card


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.


RBC Avion Visa Platinum Card vs TD Aeroplan Visa Platinum Card


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.


Frequently Asked Questions

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

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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About the editor

Kevin Shahnazari

Kevin Shahnazari

Co-founder

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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Get personalized rewards estimates — see exactly how much you could earn.

RBC Avion Visa Platinum Points Calculator

† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).


^Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 45,000 Avion Points for three round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).


1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible 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.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.

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 Eligible 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 Eligible Credit Card account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

 

2Avion points are earned on qualifying net purchases only; they are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.


14Avion points will be forfeited if they remain unredeemed within twelve (12) months following the termination of the Avion Rewards program or after you voluntarily close your RBC Royal Bank credit card account.


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.

RBC Avion Visa Platinum
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