The ClearFin bottom line
✈️ Avion Points
Its strongest published earn rate in our data is 1.0% on dining. The $120 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · RBC
RBC Avion Visa Platinum
Start with up to 70,000 Avion Points, worth about $1,500.
Independent comparisonFees includedCanadian card data
- Annual fee
- $120
- Reward type
- Avion points
- Welcome offer
- 70,000 pts
- Insurance
- 1 coverages
Current new-cardmember offer
Certificate terms apply
✈️ Avion Points
Welcome bonus
Up to 70,000 Avion PointsEstimated value: $1,500
How to earn it
- 35,000 Avion pointsApproved for the card and keep the account open and in good standing
- 20,000 Avion pointsSpend $5,000 in qualifying purchases within the first 6 months of account opening
- 15,000 Avion pointsKeep the account open and in good standing until the one-year anniversary of account opening
Offer ends 2026-11-25
Offer details
Offer applies to new RBC Avion Visa Platinum or RBC Avion Visa Infinite applications received between May 7, 2026 and July 15, 2026. Existing RBC personal credit cardholders transferring to an eligible card and additional cardholders are not eligible.
How you earn
- 1 Avion point per $1 spent on travel purchases
- 1 Avion point per $1 spent on all other eligible purchases
- Redeem points for flights on over 500 airlines with no blackout dates or seat restrictions
- Transfer Avion points to British Airways Avios, American Airlines AAdvantage, Cathay Pacific Asia Miles and WestJet Rewards
- Redeem points for hotels, car rentals, vacation packages, merchandise, gift cards, statement credits and financial rewards
- Earn 20% more Avion points at Petro-Canada when linking your RBC card and Petro-Points account
- Earn 3x Avion points on eligible Hertz rentals through RBC Avion partner offers
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$120
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Additional card$50
Recommended credit score660+ Good Credit
The RBC Avion Visa Platinum is a mid-tier travel rewards card with a $120 annual fee and no published income requirement, generally suited for applicants with an established credit history and responsible credit usage.
300Poor
560Fair
660+Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. RBC does not publish a minimum credit score requirement. Approval is based on factors such as credit history, income, existing debt obligations, payment history, and overall creditworthiness. Meeting general eligibility criteria does not guarantee approval.
Reward limits: RBC does not publish any annual, monthly, or category-based earning caps for the RBC Avion Visa Platinum. Cardholders earn 1 Avion point per $1 spent on travel purchases and 1 Avion point per $1 spent on all other eligible purchases. There are no disclosed limits on the number of Avion points that can be earned through regular spending.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Transfer to 30+ airline partners.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Travel Accident Insurance
Coverage for accidental death and dismemberment while travelling on eligible common carriers.
Trip Cancellation and Trip Interruption Insurance
Coverage for eligible prepaid travel expenses if a trip is cancelled, delayed, interrupted, or cut short for a covered reason.
Auto Rental Collision/Loss Damage Waiver
Coverage for theft or damage to eligible rental vehicles when the full rental cost is charged to the card.
Delayed Baggage and Flight Delay Insurance
Reimbursement for eligible expenses incurred due to delayed baggage or covered flight delays.
Hotel/Motel Burglary Insurance
Coverage for personal belongings stolen from a hotel or motel room during an eligible trip.
Purchase Security
Protection against theft, loss, or accidental damage for eligible purchases for up to 90 days from purchase.
Extended Warranty
Extends the original manufacturer's warranty on eligible purchases by up to one additional year.
Avion Rewards Elite Membership
Automatic Avion Rewards Elite status with access to enhanced offers, promotions, and redemption opportunities.
Show all 10 benefitsShow fewer
Complimentary DashPass Membership
Receive a complimentary 12-month DashPass subscription with eligible DoorDash benefits.
Fraud Protection
Protection against unauthorized transactions and suspicious account activity when card security requirements are met.
Protection included
Insurance at a glance
1 coverage listed. Key terms are summarized below; full certificate terms apply.
Travel insurance included
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
The verdict
What we like
- Flexible flight redemptions with no blackout dates
- Airline transfer partners increase redemption value
- Comprehensive travel insurance package
Worth noting
- $120 annual fee
- No accelerated earn categories
- 2.5% foreign transaction fee
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Avion Points
1x Avion point on all eligible purchases including travel. Transfer to 30+ airline partners.
How the rewards work
Dining, Groceries, Gas, Travel, Everything else receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $12,000 in annual spending at that rate would equal the $120 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.