The ClearFin bottom line
✈️ Avios Points
Its strongest published earn rate in our data is 3.0% on travel. The $165 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 British Airways Visa Infinite
Full earn rates, fees and benefits for the RBC British Airways Visa Infinite.
Independent comparisonFees includedCanadian card data
- Annual fee
- $165
- Reward type
- Avios points
- Welcome offer
- Previous offer ended
- Insurance
- Not listed
Check the issuer for a replacement offer
Confirm with the issuer
✈️ Avios Points
Welcome bonus
The previously recorded welcome offer has ended.
ClearFin has hidden the expired terms. Check the issuer page for any replacement offer.
How you earn
- 3 Avios per $1 spent on British Airways purchases booked directly with British Airways
- 2 Avios per $1 spent on dining and food delivery purchases
- 1 Avios per $1 spent on all other eligible purchases
- Redeem Avios for British Airways and oneworld partner reward flights to nearly 1,000 destinations worldwide
- Redeem Avios for flight upgrades on British Airways
- Redeem Avios for hotels, vacation packages, dining, shopping and travel experiences
- Earn a Companion Voucher after spending $30,000 annually, allowing a companion to travel on the same reward flight or receive 50% off the Avios fare when travelling solo
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$165
Purchase interest20.5%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$60,000Issuer approval criteria apply
Additional card$75
Household income$100,000Alternative minimum
Recommended credit score725+ Good to Excellent
The RBC British Airways Visa Infinite is a premium airline rewards card with a $165 annual fee and minimum income requirements of $60,000 personal income or $100,000 household income. It is generally intended for applicants with established credit histories and strong credit profiles.
300Poor
560Fair
660Good
725+Very 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 multiple factors including income, credit history, payment history, debt obligations, existing credit relationships, and overall creditworthiness. Meeting the income requirement alone does not guarantee approval.
Reward limits: RBC does not publish any annual earning caps on Avios accumulation. Cardholders earn 3 Avios per $1 on eligible British Airways purchases booked directly with British Airways, 2 Avios per $1 on eligible dining and food delivery purchases, and 1 Avios per $1 on all other eligible purchases. The Companion Voucher benefit is earned once per calendar year after reaching $30,000 in qualifying annual spending.
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Avios travel redemptions.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
10% British Airways Flight Discount
Receive 10% off eligible British Airways round-trip flights originating in Canada when booked through the dedicated RBC British Airways portal and paid with the card.
Companion Voucher
Earn a Companion Voucher after spending $30,000 annually, allowing a companion to travel on the same reward flight or providing a 50% discount on the Avios fare when travelling solo.
Travel Medical Insurance
Out-of-province and out-of-country emergency medical coverage for eligible cardholders during covered trips.
Flight Delay and Delayed Baggage Insurance
Coverage for eligible expenses incurred due to covered flight delays and delayed baggage.
Auto Rental Collision and Loss Damage Waiver
Coverage for theft or damage to eligible rental vehicles when the full rental cost is charged to the card.
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.
Visa Infinite Benefits
Access to Visa Infinite Concierge, Luxury Hotel Collection privileges, dining experiences, wine country benefits, and travel partner offers.
Show all 10 benefitsShow fewer
DashPass Membership
Complimentary 12-month DashPass membership with eligible DoorDash delivery benefits.
British Airways Club Membership
Automatic enrollment in The British Airways Club with access to Avios tracking, reward flight bookings, member offers, and account management tools.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- High earning rate on British Airways purchases and dining
- Companion Voucher after $30,000 annual spend
- 10% discount on eligible British Airways flights from Canada
Worth noting
- $165 annual fee
- Avios rewards are most valuable for frequent British Airways or oneworld travellers
- 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.
✈️ Avios Points
3 Avios on British Airways. 2 Avios on dining & food delivery. 1 Avios on everything else.
How the rewards work
Travel receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $5,500 in annual spending at that rate would equal the $165 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 travel and dining 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.