RBC British Airways Visa Infinite Card Review

The RBC British Airways Visa Infinite Card offers a direct Avios-collecting rewards program and some enticing travel perks.

Sep 10, 2026 8:20 PM

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Written By
Sara Skodak
Lead Writer
Kevin Shahnazari
Edited By
Kevin Shahnazari
Co-founder
FinlyWealth Logo

The Bottom Line

While the RBC British Airways Visa Infinite Card offers a convenient way to collect Avios points directly, there are other more valuable and flexible travel credit cards that allow you to transfer their points to Avios at 1:1 ratio.

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Our choice for: Frequent British Airways travellers

RBC® British Airways Visa Infinite‡
RBC British Airways Visa Infinite
RBC® British Airways Visa Infinite‡

3.8

Finly Rating
APPLY NOW

on RBC's website

Welcome Bonus

Get 50,000 Avios(1) when you spend a minimum of $6,000 CAD in the first 3 months of account opening.

Rewards Rate

1x - 3x

Points

Annual Fee

$165

Interest Rates

20.50% / 22.99%□

RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring
Get your free credit score

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∞

Insurance

Coverage

  • travel accident medical

    Travel Medical Insurance (64 & under)

    31 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    7 days
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • hourglass timer

    Flight Delay

    $500
  • hourglass timer

    Baggage Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • burglar

    Hotel Burglary Insurance

    $2,500
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

Details

  • airplane love

    Companion Voucher

    Receive a Companion Award eVoucher when you spend $30,000 or more in any calendar year
  • discount

    Discount

    Enjoy 10% off British Airways flights when you book and pay with your card
  • gas station

    Gas Discount

    save 3¢/L on fuel and always earn 20% more Petro-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

    $60,000 personal or $100,000 household

Welcome Bonus Details

  • Get 50,000 Avios1 when you spend a minimum of $6,000 CAD in the first 3 months of account opening.
  • To receive the offer of 50,000 Avios points, a total of $6,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions must be posted to your Credit Card Account within the first 90 days of your Credit Card Account opening date, and your Credit Card must remain open and in good standing.

Card Details

Interest Rates

Purchase APR

20.50%

Cash Advance APR

22.99%□

Balance Transfer APR

22.99%

□ Cash advance rate for Quebec residents is 21.99%

Fees

Annual Fee

$165

Additional Cards

$75

Eligibility

Minimum Individual Income

$60,000

Minimum Household Income

$100,000

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

Avios

Pros & Cons

Pros

  • Generous welcome bonus
  • British Airways boosted optimization
  • British Airways discounts
  • Companion award eVoucher
  • Comprehensive coverage
  • Petro Canada perks

Cons

  • Income requirements
  • Limited flexibility
  • Companion voucher spending requirements
  • Annual fee

Our Detailed Review

How to Earn Rewards with the RBC British Airways Visa Infinite Card

There are a few different ways to collect Avios points with the RBC British Airways Visa Infinite Card.

Cardholders can expect:

  • 3 Avios points for every $1 CAD spent on British Airways and BA Holidays
  • 2 Avios points for every $1 CAD spent on qualifying dining spend
  • 1 Avios point for every $1 CAD spent on qualifying net purchases

How to Redeem Rewards with the RBC British Airways Visa Infinite Card

The only way to redeem your Avios points is towards Travel with Avios. This redemption opportunity yields a high cent-per-point value. Learn more through our Credit Card Points Value Calculator.

Benefits and Perks

4 Benefits of the RBC British Airways Visa Infinite Card


There are plenty of benefits that make the RBC British Airways Visa Infinite Card one of the best RBC credit cards in Canada.


To entice applicants, cardholders earn bonus Avios points when they meet certain spending requirements within eligible timelines.


Cardholders also receive a Companion Award eVoucher when they meet certain spending requirements within a calendar year.


On top of discounts on British Airways flights booked with your card, cardholders also get discounts on fuel at Petro-Canada.


There are a couple of ways to collect extra points from other loyalty programs using this card. Cardholders can collect extra Petro-Points at Petro-Canada, plus additional Be Well points per dollar spent on eligible Rexall purchases.


Drawbacks and Considerations

4 Downsides to the RBC British Airways Visa Infinite Card


There are a few things you'll want to look out for before applying for the RBC British Airways Visa Infinite Card.


Some applicants might be disappointed by the RBC British Airways Visa Infinite Card's annual fee, but it's important to note that fees often reflect reward program, coverage, and perk value. If you use this card's add-ons to their full extent, you'll effectively offset the annual fee.


Unfortunately, to qualify for this card, you'll need to meet some annual income requirements, which might be tricky for some.


Considering you can only redeem your Avios points towards Travel with Avios, this rewards program is pretty niche and therefore limiting. There are other travel credit cards with more flexible redemption programs, but the RBC British Airways Visa Infinite Card is a good fit for loyal flyers.


In order to obtain this card's companion voucher, one of its most valuable perks, you'll unfortunately need to spend quite a bit of money annually.


Compare to Similar Cards

Comparison to Avios-Transferable Credit Cards in Canada


There are a couple of notable credit cards in Canada that allow you to transfer their loyalty points to Avios at a 1:1 ratio. In this section, we'll be comparing these competitors against the RBC British Airways Visa Infinite Card.


RBC British Airways Visa Infinite

RBC

3.8

RBC® British Airways Visa Infinite‡View full review
Frequent British Airways travellers
American Express Cobalt® Card

American Express

4.9

American Express Cobalt® CardView full review
Best travel points earning credit card in Canada
RBC Avion Visa Infinite

RBC

4.4

RBC Avion Visa InfiniteView full review
Best RBC travel credit card

Annual Fee

$165

$191.88

$120

Interest Rates

Purchase

20.50%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Purchase

21.99%*

Cash advance

21.99%*

Rate details

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Welcome Bonus

Get 50,000 Avios(1) when you spend a minimum of $6,000 CAD in the first 3 months of account opening.

Up to 15,000 Membership Rewards® points

Get up to 70,000 Avion points(1)

Rewards

$279.83

First year rewards

$1,072.15

First year rewards

$1,453.28

First year rewards

Learn More
Apply Now

on American Express' website

Apply with Confidence — won't impact your credit score

Apply Now

on RBC's website


RBC British Airways Visa Infinite Card vs American Express Cobalt Card


While it doesn't collect points specifically on travel purchases, the American Express Cobalt Card is still considered one of the best travel credit cards in Canada. All the points you earn on dining, groceries, streaming, gas, and transit can be transferred to airline partners at a high cent-per-point value. Impressively, American Express Membership Rewards points can be transferred to Avios at a 1:1 ratio. While the RBC British Airways Visa Infinite Card has better travel coverage and more travel-related perks, the Cobalt Card comes with a hotel-oriented travel credit and it avoids income requirements completely. Even though this card's annual fee is slightly higher, it's paid out monthly, making it much more manageable.


Verdict: Overall, the American Express Cobalt is more valuable and flexible, with the ability to transfer points to Avios at 1:1 ratio.

RBC British Airways Visa Infinite Card vs RBC Avion Visa Infinite Card


Also from RBC, the RBC Avion Visa Infinite Card earns decent Avion (Elite) Rewards points per dollar spent on eligible travel purchases. These points are redeemable towards multiple high- value travel opportunities, including transfers to airline partners. In this case, Avion (Elite) Rewards points are transferable to Avios at a 1:1 ratio. For a lower annual fee, cardholders also receive better travel coverage, including trip interruption and trip cancellation insurance, plus additional perks like car rental discounts and concierge services.


Verdict: The RBC Avion Visa Infinite Card is a more affordable, valuable, and flexible alternative to the British Airways Visa Infinite Card, with a 1:1 Avion to Avios transfer ratio.

Frequently Asked Questions

Technically, the British Airways Visa Infinite Card is the only credit card that earns Avios points directly. That said, there are other loyalty cards, like the American Express Cobalt Card and the RBC Avion Visa Infinite Card that transfer points to Avios at a 1:1 ratio.

For the card's annual price, it's a little disappointing that it lacks valuable coverage like trip interruption and trip cancellation insurance. However, there are still other important coverage categories included, like travel medical insurance for seniors.

Currently, the RBC British Airways Visa Infinite Card has a personal annual income requirement of $60,000 and a household annual income requirement of $100,000.

No. To earn the RBC British Airways Visa Infinite Card's companion voucher each year, you'll need to spent $30,000 or more annually.

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 ...

SEE FULL BIO

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...

SEE FULL BIO
RBC® British Airways Visa Infinite‡

RBC® British Airways Visa Infinite‡

3.8

FinlyWealth Rating

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

RBC® British Airways Visa Infinite‡ Points Calculator

1 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”), 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 offer of 50,000 Avios points (“Bonus”), (i) a total of $6,000 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 (“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 Bonus will be awarded to your British Airways Club account, approximately 15 weeks after the date you reach $6,000 in Qualifying Transactions within the Period.


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 Bonus has 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 program. For all British Airways Club Terms and Conditions, please visit ba.com/theclub.


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.