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's algorithm factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, etc.)
$
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
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
What's on this Page
Card Details
Based on $2,000 spending
First Year Value
$774.43
$4.43 in years after
Annual Rewards
$403.43
RBC Avion
First Year Bonus
$770
RBC Avion
Annual Fee
$399
First Year Value
$774.43
$4.43 in years after
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
Balance Transfer: 22.99% (for Quebec 21.99%)
□ Cash advance rate for Quebec residents is 21.99%
Annual Fee
$399
Annual Income
Personal: $200,000
Household: $200,000
Credit Score Estimate
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 after 12 months of account opening*
Our Rating
3.3/5
Institution
RBC
Rewards
- 1.25x Avion points per $1 spent on all eligible purchases
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.
Legal
* This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card 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 Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.
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.