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
$483.94
$228.94 in years after
Annual Rewards
$393.94
Avios
First Year Bonus
$255
Avios
Annual Fee
$165
First Year Value
$483.94
$228.94 in years after
Interest Rates
Cash Advance: 22.99% (for Quebec 21.99%)
Purchase: 20.50%
Balance Transfer: 22.99%
Annual Fee
$165
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Very Good
Welcome Bonus
15,000 Avios points upon approval. To receive the additional 35,000 Avios points, (i) a total of $6,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions must be posted to your Credit Card Account within the first 3 months of your Credit Card Account opening date.
Card Type
Category: Points
Loyalty Program: Avios
Our Rating
3/5
Institution
RBC
Rewards
- 3x Avios points per $1 CAD you spend on British Airways purchases
- 2x Avios points per $1 CAD you spend on dining
- 1x Avios point per $1 CAD you spend on all other qualifying purchases
RBC British Airways Visa Infinite Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
BritishAirways
240 points
All other purchases
22,933 points
Annual Fee
- $165
Net Annual Rewards
23,173 points
Valued at $228.94 (after fees)
Rewards Summary
Net Annual Rewards
23,173 points
Valued at $228.94 (after fees)
First Year Card Bonus
15,000 points
Valued at $255
First Year Card Value
38,173 points
Valued at $483.94
Point Redemptions
Travel with Avios
$483.94
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
31 daysEmergency Medical Over 65
7 days
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
yes
Flight Delay
$500Baggage 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.svg)
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
Pros & Cons
Pros
- Generous welcome bonus: Up to 60,000 Avios can translate to $1070 in travel value.
- Triple Avios on British Airways flights, making it ideal for frequent travelers.
- 10% discount on British Airways flights.
- Companion Award eVoucher: Great value for frequent British Airways flyers.
- 9 types of insurance included, such as travel accident, flight delay, and rental car insurance.
- 3 cents per litre savings at Petro-Canada with linked cards.
Cons
- High income requirements: Must have either $60,000 personal or $100,000 household income to qualify.
- Limited flexibility: Avios can only be used with British Airways and oneworld alliance airlines, limiting options for domestic or non-alliance travel.
- Companion Voucher requires $30,000 in annual spending, which may not be accessible for all cardholders.