RBC Visa Infinite Avion Travel Rewards Credit Card Review
/RBC Visa Infinite Avion Travel Rewards Card Review
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The RBC Visa Infinite Avion Travel Rewards Card is a travel rewards credit card that lets you earn hybrid rewards points for everyday purchases that can be used for travel, transfer to airline points, merchandise, gift cards, etc.
The Cost
Annual Fee = $120. Additional cards = $50
Minimum annual income required = $60,000 (personal) or $100,000 (household)
Rewards Points Snapshot
– Earn 1 point for every $1 spent on all credit card purchases
- Earn 1.25 for every $1 spent on eligible travel purchases
First Time Bonus
15,000 RBC Rewards Points
Anniversary Bonus
None
Features & Benefits
– Complimentary 24/7 Visa Infinite Concierge.
– Emergency Medical Insurance (15 days<65, 3 days>65, Amount: Possibly unlimited as RBC website has no limit mention. Please check with RBC to to make sure).
– Travel Accident Insurance (up to $500,000 CAD).
– Auto Rental Theft and Collision/Loss Damage Insurance (Up to 48 days)
– Trip Cancellation Insurance ($1,500 each/$5,000 trip).
– Trip Interruption Insurance ($5,000 each/$25,000 trip).
– Flight Delay Insurance ($250 each/$500 trip, 4+ Hr Delay).
– Lost and Delayed Luggage ($550 each/$2,500 trip, 4+ Hr Delay).
– Extended Warranty Insurance (1 additional year, $50,000 lifetime limit).
– Purchase Security (90 days, $50,000 lifetime limit).
– Hotel/Motel Burglary Insurance ($2,500 per occurrence)
What’s Missing
– Price Protection Insurance
My Take
The main two things I like about the RBC Visa Infinite Avion are its insurance provider and flexible points options that provide hybrid points.
Unlike some other cards where the 3rd party insurance providers (see my Scotia Amex Gold Review) make it almost impossible to approve claims, here you are dealing with RBC Insurance directly and have a better chance of getting your claims filled when you need it.
Also, redeeming RBC Avion points offer more flexibility because they are hybrid points. You can convert to airline + other transfer partners (British Airways, American Airlines, Asia Miles, WestJet, etc.) or redeem directly from RBC as proprietary points. Keep in mind that you get the most value out of your points when you wait for a promotional transfer bonus (usually 30% to 50% more) and transfer to British Airways Avios and use them for business class flight redemption. However, you need to be knowledgeable about Avios to get the maximum value out of your points.
For those who do not want to convert to airline points, you will lose value redeeming points for merchandise, gift cards, direct flight redemptions, etc. But if you are redeeming for direct flights from RBC, doing it during the high season will give you more value for your points.
RBC waives the annual fee on this card if you hold certain types of accounts with RBC or spend a lot of money on the card. I don’t hold any other RBC products, but I was able to get my annual fee waived based on my spending patterns.
RBC Visa Infinite shines when it comes to insurance, as its backbone is a giant, reputable Canadian insurer. In terms of earning rewards, it’s not the top earner, but not bad either. This card makes more sense for those who know the ins and outs of Avios and AAdvantage (they are part of the same Oneworld alliance) and can take advantage of that.
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