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
$494.43
$4.43 in years after
Annual Rewards
$403.43
RBC Avion
First Year Bonus
$490
RBC Avion
Annual Fee
$399
First Year Value
$494.43
$4.43 in years after
Interest Rates
Cash Advance: 22.99% (for Quebec 21.99%)
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$399
Annual Income
Personal: $200,000
Household: $200,000
Credit Score
Very Good
Welcome Bonus
35,000 Avion Points on approval, 20,000 bonus points when you spend $5,000 in your first 6 months, 15,000 one-time anniversary bonus points
Card Type
Category: Points
Loyalty Program: RBC Avion
Our Rating
3.3/5
Institution
RBC
Rewards
- 1.25x points per $1 spent on eligible purchases
RBC Avion Visa Infinite Privilege Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
All purchases
28,816 points
Annual Fee
- $399
Net Annual Rewards
28,816 points
Valued at $4.43 (after fees)
Rewards Summary
Net Annual Rewards
28,816 points
Valued at $4.43 (after fees)
First Year Card Bonus
35,000 points
Valued at $490
First Year Card Value
63,816 points
Valued at $494.43
Point Redemptions
Note: A negative redemption value indicates that redeeming your rewards using that method might lead to a situation where the value you get is less than what you pay for as the annual fee of the card based on your spending habits, however this does not take into account the value you get from extra benefits.
Redemptions Chart
Transfer to Airline Partners
$494.43
Travel
-$16.1
Financial products
$130.68
Gift Cards
$60.48
Merchandise
$47.72
Statement Credits
-$28.86
Insurance & Benefits
Insurance
Coverage
Purchase Protection
120 days
Extended Warranty
Up to 2 years
Mobile Device Insurance
$1,500
Travel Accident
$500,000
Emergency Out of province Medical
31 daysEmergency Medical Over 65
7 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Hotel Burglary Insurance
$3,000
Baggage Delay
$750
Lost or Stolen Baggage
$2,500Flight Delay
$1,000.svg)
Car Rental Damage & Theft
yes
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per year.svg)
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.svg)
Concierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports
Visa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades
Pros & Cons
Pros
- High-value points when redeemed via the Air Travel Redemption chart, with up to 2.33 cents per point.
- Extensive insurance coverage including emergency medical, trip cancellation, and mobile device insurance.
- Access to airport perks, including fast-track security and lounge access.
- Flexible rewards that can be transferred to airline partners like British Airways and Cathay Pacific.
Cons
- High annual fee of $399.
- Requires a high personal or household income of $200,000 to qualify.
- Only 1.25 points per $1 spent on all purchases, which is lower compared to other premium cards.
- Limited redemption value outside of the Air Travel Redemption chart.