RBC British Airways Visa Infinite Card Review

Item: RBC® British Airways Visa Infinite‡
Rating: 3.8
Author: Sara Skodak

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

Mar 2, 2026 7:59 PM

Written By

Sara Skodak

Lead Writer

Edited By

Kevin Shahnazari

Credit Card Expert

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.

Skip to: Detailed Review

Our choice for: Frequent British Airways travellers

RBC® British Airways Visa Infinite‡

3.8

Finly Rating

APPLY NOW

on RBC's website

Welcome Bonus

Get Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite card (with minimum spend, conditions apply)

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

Card Details

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 Medical Insurance (64 & under)
31 days
Travel Medical Insurance (65 to 75)
7 days
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
yes
Flight Delay
$500
Baggage 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
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

Eligibility

Credit Score
Good
Annual Income
$60,000 personal or $100,000 household

^*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. Check here for full details and current product information.

Welcome Bonus Details

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.

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.

✅ Generous Welcome Bonus

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

✅ Companion Voucher

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

✅ Discounts on Flights and Fuel

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

✅ Extra Point Potential

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.

❌ Annual Fee

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.

❌ Annual Income Requirements

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

❌ Limited Flexibility

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.

❌ Companion Voucher Spending Requirements

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‡	American Express Cobalt® Card	RBC Avion Visa Infinite
Welcome Bonus	Get Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite card (with minimum spend, conditions apply)	Up to 15,000 Membership Rewards® points	Get up to 55,000 Avion points(1)
Earn Rates	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∞	5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month) 3x points per $1 spent on eligible streaming subscriptions in Canada 2x points per $1 spent on eligible gas, transit & ride share in Canada 1x point per $1 spent on all other purchases	1.25x points per $1 spent on eligible travel purchases 1x point per $1 spent on all other purchases
Insurance Included	10 types Travel Medical Insurance (64 & under) 31 days Travel Medical Insurance (65 to 75) 7 days Common Carrier Travel Accident Insurance $500,000 Car Rental Damage & Theft yes Flight Delay $500 Baggage Delay $500 Lost or Stolen Baggage $500 Hotel Burglary Insurance $2,500 Purchase Protection 90 days Extended Warranty Up to 1 year	10 types Travel Medical Insurance (64 & under) 15 days, up to $5M (if under age 65) Flight Delay $500 Baggage Delay $500 Hotel Burglary Insurance $500 Lost or Stolen Baggage $500 Common Carrier Travel Accident Insurance $250,000 Car Rental Damage & Theft yes Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year	13 types Purchase Protection 90 days Extended Warranty Up to a year Mobile Device Insurance $1,500 Common Carrier Travel Accident Insurance $500,000 Travel Medical Insurance (64 & under) 15 days Travel Medical Insurance (65 to 75) 3 days Trip Interruption $5,000 Trip Cancellation $1,500 Hotel Burglary Insurance $2,500 Baggage Delay $500 Lost or Stolen Baggage $500 Flight Delay $500 Car Rental Damage & Theft yes
Benefits	4 benefits 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 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	2 benefits Amex Experiences™ Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™ Travel Credit Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.	5 benefits 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 Car Rental Discount Get up to 20% off at Hertz Extra points 50 Be Well points for every $1 spent on eligible products at Rexall Concierge Services Discount Add your credit card to your DoorDash account and get a free 12-month DashPass subscription
Annual Fee	$165	$191.88	$120
Income Requirements	$60,000 personal or $100,000 household	N/A	$60,000 personal or $100,000 household
Apply Now	Learn More	APPLY NOW	APPLY NOW

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

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

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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What's on this Page

The Bottom Line
Welcome Bonus Details
Card Details
Pros & Cons
Our Detailed Review
Compare to Similar Cards
Benefits and Perks
Drawbacks and Considerations
Frequently Asked Questions

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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

^{^}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.

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RBC® British Airways Visa Infinite‡

American Express Cobalt® Card

RBC Avion Visa Infinite

Welcome Bonus

Get Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite card (with minimum spend, conditions apply)

Up to 15,000 Membership Rewards® points

Get up to 55,000 Avion points(1)

Earn Rates

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∞

5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
3x points per $1 spent on eligible streaming subscriptions in Canada
2x points per $1 spent on eligible gas, transit & ride share in Canada
1x point per $1 spent on all other purchases

1.25x points per $1 spent on eligible travel purchases
1x point per $1 spent on all other purchases

Insurance Included

10 types

Travel Medical Insurance (64 & under)
31 days
Travel Medical Insurance (65 to 75)
7 days
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
yes
Flight Delay
$500
Baggage Delay
$500
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to 1 year

10 types

Travel Medical Insurance (64 & under)
15 days, up to $5M (if under age 65)
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$250,000
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

13 types

Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance (64 & under)
15 days
Travel Medical Insurance (65 to 75)
3 days
Trip Interruption
$5,000
Trip Cancellation
$1,500
Hotel Burglary Insurance
$2,500
Baggage Delay
$500
Lost or Stolen Baggage
$500
Flight Delay
$500
Car Rental Damage & Theft
yes

Benefits

4 benefits

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
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

2 benefits

Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.

5 benefits

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
Car Rental Discount
Get up to 20% off at Hertz
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Concierge Services
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription

Annual Fee

$165

$191.88

$120

Income Requirements

$60,000 personal or $100,000 household

N/A

$60,000 personal or $100,000 household

Apply Now

Learn More

APPLY NOW

Frequently Asked Questions

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.

The Bottom Line

Welcome Bonus Details