Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$698.2
$208.2 in years after
Annual Rewards
$328.2
RBC Avion
First Year Bonus
$490
RBC Avion
Annual Fee
$120
First Year Value
$698.2
$208.2 in years after
Interest Rates
Cash Advance: 22.99% (for Quebec 21.99%)
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$120
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Very Good
Welcome Bonus
Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by November 25, 2024.
Card Type
Category: Points
Loyalty Program: RBC Avion
Our Rating
3.8/5
Institution
RBC
Rewards
- 1.25x points per $1 spent on eligible travel purchases
- 1x point per $1 spent on all other purchases
RBC Avion Visa Infinite Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Travel, Rental Car and Taxi
1,950 points
All other purchases
21,493 points
Annual Fee
- $120
Net Annual Rewards
23,443 points
Valued at $208.2 (after fees)
Rewards Summary
Net Annual Rewards
23,443 points
Valued at $208.2 (after fees)
First Year Card Bonus
35,000 points
Valued at $490
First Year Card Value
58,443 points
Valued at $698.2
Point Redemptions
Redemptions Chart
Transfer to Airline Partners
$698.2
Travel
$230.66
Financial products
$365.08
Gift Cards
$300.79
Merchandise
$289.1
Statement Credits
$218.97
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,500
Travel Accident
$500,000
Emergency Out of province Medical
15 daysEmergency Medical Over 65
3 days
Trip Interruption
$5,000
Trip Cancellation
$1,500
Hotel Burglary Insurance
$2,500
Baggage Delay
$500
Lost or Stolen Baggage
$500Flight Delay
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Car Rental Damage & Theft
yes
Benefits
Details
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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
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Pros & Cons
Pros
- Generous welcome bonus of up to 55,000 points.
- High point value when redeemed through the Air Travel Redemption chart, with up to 2.33 cents per point.
- Comprehensive insurance package (12 types), including travel medical and mobile device insurance.
- Access to Petro-Canada savings (save 3 cents per litre on fuel) and earn 20% bonus Petro-Points.
Cons
- Only 1 point per $1 spent on most purchases (travel earns 1.25 points).
- Requires using the Air Travel Redemption chart to get the highest point value; other redemptions yield lower returns.
- High income requirements: $60,000 personal or $100,000 household.