When it comes to premium credit cards, the RBC Avion Visa Infinite stands out as a top choice for those who love to travel. Designed specifically with jet-setters in mind, this card offers a range of exclusive benefits and rewards that can make every journey a little more enjoyable.
In this article, we’ll dive deep into the features, benefits, and potential drawbacks of this premium travel card. From its annual fees to the ease of booking rewards, we’ll explore everything you need to know before making your decision. Let’s start with the key features that make the RBC Avion Visa Infinite a standout in the crowded market of travel credit cards.
Key information about the credit card
How does the annual fee work?
The RBC Avion Visa Infinite comes with an annual fee of $120, which is relatively standard for a premium travel card. While this fee is not waivable, it can be justified through the extensive benefits that the card provides. In fact, many cardholders find that the value they receive in rewards and perks easily offsets this annual cost.
How is the credit limit determined?
For applicants with excellent credit, limits can often start at around $5,000 to $10,000, but they can go much higher depending on the individual’s financial profile. The institution considers factors like monthly income, existing debts, and credit utilization when determining the most appropriate limit for each cardholder.
Advantages of the credit card
- Generous welcome bonus: New cardholders can earn up to 55,000 Avion points when they apply by November 25, 2024, and meet the spending criteria. This bonus alone is enough for a round-trip flight within North America or the Caribbean.
- Flexible travel rewards: With no blackout dates or seat restrictions, cardholders can book flights whenever they want, even during peak travel seasons. This is a major perk, especially for those with unpredictable travel schedules.
- 1 point for every dollar spent: Earning points is straightforward with this card. You earn 1 Avion point for every dollar spent, and an additional 25% bonus on eligible travel purchases, making it easy to accumulate rewards quickly.
- Comprehensive insurance coverage: The card includes extensive travel insurance benefits such as trip cancellation, trip interruption, emergency medical insurance, and mobile device protection up to $1,500.
- Visa Infinite perks: Cardholders gain access to luxury hotel and dining experiences, as well as exclusive Visa Infinite benefits like early access to events and special offers.
Standout advantage
What truly sets the RBC Avion Visa Infinite apart is its flexibility in redeeming travel rewards. Unlike many other travel credit cards, there are no restrictions on which airline you can use, nor are there any blackout periods. If there’s an available seat on the flight, you can book it using your points.
Disadvantages
- Annual fee: The $120 annual fee may be off-putting for some, especially if they don’t plan to take full advantage of the travel benefits.
- High income requirement: With a minimum income requirement of $60,000 (or $100,000 for households), not everyone will qualify for this card, limiting its accessibility.
- Higher merchant fees: Merchants may incur higher fees for accepting this card, which could result in limited acceptance at smaller businesses.
A standout disadvantage
The most significant drawback of the RBC Avion Visa Infinite is its relatively high purchase and cash advance rates. With a 20.99% purchase rate and a 22.99% cash advance rate, carrying a balance on this card can become expensive quickly. While this might not be an issue for those who pay off their balances in full each month, it could be a concern for individuals who tend to carry over balances or rely on cash advances during emergencies.
Who can apply for this card?
The RBC Avion Visa Infinite is aimed at individuals who have both the financial stability and a love for travel. To apply, you must be at least 18 years old (or the age of majority in your province) and have a minimum personal income of $60,000 or a household income of $100,000. A strong credit score is also essential, as the card targets those with good to excellent credit ratings.
Unfortunately, this card is not designed for those with poor credit histories or individuals who have been previously declined for credit. If you’re looking for a card with easier approval or one that accommodates applicants with lower incomes, this may not be the best option for you. That being said, if you meet the income and credit requirements, the RBC Avion Visa Infinite can be a valuable addition to your wallet.
How to apply for the RBC Avion Visa Infinite Card
For the website
Applying through the RBC website is perhaps the quickest and easiest way to get started. The process takes just a few minutes, and you can get a response in less than 60 seconds. You’ll need to provide personal information, such as your name, address, and income details.
After submitting your application, RBC will run a credit check to determine your eligibility. If approved, you’ll receive your card in the mail within 7 to 10 business days. The website application is highly secure, ensuring your personal information is protected throughout the process.
Through the app
If you prefer to use your smartphone, the RBC Mobile App offers an equally simple method for applying. Just download the app, navigate to the credit card section, and select the RBC Avion Visa Infinite. The app guides you through the process, requesting similar information as the website application.
One advantage of using the app is that you can track your application status in real time. Plus, once approved, you can manage your account directly from the app, including checking your balance, redeeming points, and setting up payment reminders.
At the branch
For those who prefer a more personalized experience, you can apply in person at any RBC branch. A representative will walk you through the application process, help you fill out the necessary forms, and answer any questions you might have.
This method is especially beneficial if you have complex financial situations or want to discuss your credit limit options in more detail. While applying at a branch might take a little longer than doing so online or through the app, it can provide peace of mind knowing that you have professional assistance every step of the way.
