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Get Up To 70,000 Avios ^ with the RBC British Airways Visa Infinite

That’s enough for a round-trip to London from Vancouver, Toronto or Montreal (plus up to $300 CAD)

Limited time offer. Apply by July 5, 2024 ^

To London and beyond - with 70,000 bonus Avios.

Limited time offer.

• Collect 1.5 Avios for every $1 CAD spent on qualifying net purchases 3 .
• Collect 3x Avios when you shop with British Airways and British Airways Holidays 4 .
• Earn a Companion Award eVoucher when you spend $25,000 CAD by December 31 2020 5 .

Be Rewarded Every Day

Receive up to 70,000 Avios, here’s how: Step 1: Receive 15,000 Avios as welcome bonus upon approval ^ Step 2: 45,000 bonus Avios when you spend $6,000 CAD in the first 3 months ^ Step 3: Another 10,000 bonus Avios after your first year anniversary ^

• ˜ or fly solo instead for a 50% Avios discount on your Reward Flight booking. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount. --> Earn a Companion Voucher when you spend $30,000 CAD annually ˜ . You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.
• Earn 3 Avios for every $1 CAD you spend on British Airways purchases *
• Earn 2 Avios for every $1 CAD you spend on Dining *
• Earn 1 Avios for every $1 CAD you spend on all other qualifying purchases *
• Earn a companion voucher when you spend $30,000 CAD annually ˜
• 10% off British Airways flights when you book and pay with your card ∞
• Redeem for travel on British Airways and one world partner airlines **

Additional Benefits

• Comprehensive Insurances including 31–day out of country/province emergency medical insurance 1
• Luxury Visa Infinite benefits such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca
• Visa Infinite Luxury Hotel Collection — Enjoy exclusive benefits at a selection of the world’s most intriguing and prestigious properties 2
• Complimentary 24/7 Concierge Service 2

Interest Rates & Fees

Minimum Income requirement: $60,000 (personal) or $100,000 (household). Please note, this premium card can impose higher acceptance costs on merchants.

RBC British Airways Visa Infinite

Additional Fees:

• Cash Advance Fee: $5.00
• Balance Transfer Promotional Rate Fee: Up to 3% of transaction amount
• Dishonoured Payment Fee: $45.00
• Overlimit Fee: $29.00 (If you reside in Quebec, fee does not apply.)
• Additional Copies: $5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts
• Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec)

Apply for the RBC British Airways Visa Infinite

Get Closer To Your Next Adventure

• Receive up to 50,000 bonus Avios ^
• Earn 1 Avios for every $1 CAD you spend on the card *
• Earn double Avios for every $1 CAD you spend on British Airways purchases *

View Legal Disclaimers Hide Legal Disclaimers

To qualify for this offer, you must apply for the RBC British Airways Visa Infinite card and be approved by Royal Bank of Canada between May 8, 2024 – July 5, 2024. Please allow up to 10 weeks after receipt of your card for the 15,000 Avios welcome bonus to be posted to your British Airways Executive Club account. If you are not currently a member of the Executive Club, you will be enrolled automatically if you are approved for the RBC British Airways Visa Infinite card. Please note that the postal address your Executive Club account membership is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your Executive Club account. 45,000 bonus Avios will be awarded to you if a total of $6,000 CAD or more in qualifying purchases and pre-authorized bill payment transactions is posted to your RBC British Airways Visa Infinite account within the first 3 full monthly statement periods; provided your credit card account is in good standing at the time of award (being the end of the statement period in which you fulfilled the qualifying criteria). The 45,000 bonus points will be credited to your Executive Club account as follows: 35,000 Avios will be credited up to 15 weeks after you meet the qualifying criteria and 10,000 Avios will be credited by no later than November 30, 2024. Qualifying purchases exclude cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. An additional 10,000 bonus Avios will be credited to your Executive Club account within 12-15 weeks after the one-year anniversary of your account opening provided your credit card account remains active and in good standing. The Avios welcome bonus and the additional bonus Avios are not available to existing or former RBC British Airways Visa Infinite primary cardholders applying for or transferring to an RBC British Airways Visa Infinite credit card This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada and British Airways reserve the right to modify, cancel or withdraw this offer at any time. British Airways, not Royal Bank of Canada, is responsible for this offer and the British Airways Executive Club Programme. For all Executive Club Terms and Conditions, please visit ba.com/theclub .

Eligible Members who spend a minimum of $30,000 CAD in qualifying purchases on their Card in a calendar year (“calendar year” refers to the time period starting from 1 January through to 31 December) will receive a maximum of one Companion Award eVoucher for that calendar year they will be able to apply towards the purchase of a flight for a companion travelling with the Eligible Member, on the same Reward flight (“Companion Ticket”). Please note that qualifying purchases exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the spend amount by the amounts originally charged. Please allow six (6) to eight (8) weeks for the Companion Award eVoucher to post to the British Airways Executive Club account after meeting the spending requirement. The Companion Award eVoucher entitles the Eligible Member to purchase a Companion Ticket at the time of booking a Reward flight, without having to pay for the price of the companion’s flight. Reservations and bookings for both the Reward flight of the Eligible Member and the Companion Ticket of the companion must be made at the same time, for the same flight, same date, in the same class, same cabin and on the same passenger name record (PNR) for travel on the same itinerary. Eligible Members will be responsible for paying, without limitation, the taxes, fees and carrier charges, related to the Companion Ticket. At time of publication, all Reward Flights and Companion Tickets are subject to taxes, fees, & carrier charges of approximately $660 CAD per person based on travel from Toronto to London in economy class and approximately $1,100 CAD per person based on business class travel. To make a booking, (including the Companion Ticket) Eligible Members must visit ba.com and log in using their membership number and PIN/Password. It is not possible to book a Reward flight or a Companion Ticket by contacting a travel agent, or at the airport. The Companion Award eVoucher may be used for flights operated by British Airways only. Travel on franchise, codeshare or alliance airlines is not permitted. Return flights must be booked at the same time the outward journey is booked. All travel must originate in and return to Canada. A Companion Award eVoucher can only be used if and when the Eligible Member is booking a Reward flight using Avios points (i.e. cannot be booked using a combination of Avios points and cash or a charge to the Card) and cannot be combined with any other offer, promotion, mileage or frequent flyer programme. Full details of fare rules can be found on ba.com. All Reward flights and Companion Tickets are subject to availability and there is no guarantee the Eligible Member will be able to book a flight for a companion to the Eligible Member’s choice of flight and destination. The Companion Award eVoucher is only valid if it has been acquired in accordance with these Terms and Conditions. A Companion Award eVoucher is valid for twenty-four (24) months from the date it is issued and must be exchanged for a Companion Ticket with travel commencing from Canada before the expiry date on the eVoucher. Eligible Members must still have a Card in good standing at the time of travel. British Airways and/or Royal Bank of Canada reserve(s) the right to refuse to issue or to honor any Companion Ticket in the event that the Eligible Member is in breach of either these RBC British Airways Visa Infinite Companion Award eVoucher Terms and Conditions, their RBC Royal Bank Credit Card Agreement or Executive Club Terms and Conditions. The Companion Award eVoucher is not extendable, refundable, transferable, and has no cash or mileage value. At no time may the Companion Award eVoucher be purchased, sold, or bartered but if it is, any such eVoucher will become void. Companion Award eVouchers are applicable to new and future bookings only; they cannot be used to amend or pay for existing bookings. The Companion Ticket is subject to the Executive Club Terms and Conditions relating to Companion Award eVouchers. If the Eligible Member cancels the Companion Ticket booking more than twenty-four (24) hours prior to the scheduled departure of the outbound flight from Canada, British Airways will redeposit the Companion Award eVoucher which will only be valid for the remainder of its twenty-four (24) month expiry period based on original date of issue. Reward flight bookings and Companion Tickets cancelled within twenty-four (24) hours of departure will result in the Companion Ticket eVoucher and mileage being cancelled without any possibility of being reissued or credited to the Eligible Member. Please visit the full British Airways Executive Club Terms and Conditions found online at ba.com/theclub .

Eligible Members who spend a minimum of $30,000 CAD on qualifying purchases on their Card in a calendar year (“calendar year” refers to the time period starting from 1 January through to 31 December) will receive a maximum of one Companion Voucher for that calendar year. As an Eligible Member, you will be able to apply the Companion Voucher towards the purchase of a flight for a companion travelling with you, on the same Reward Flight (“Companion Ticket”).

Alternatively, for all valid Companion Vouchers earned, you can choose to use your Companion Voucher to make a solo Reward Flight booking, which will entitle you to a 50% discount on the Avios fare for your journey. Taxes fees and charges for you will still be payable (if travelling solo) or on your companion’s ticket (if travelling with a companion).

Please note that qualifying purchases exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the spend amount by the amounts originally charged.

When booking a Companion Ticket with a Companion Voucher, you can choose to make a full Avios redemption or from other Avios and cash price options (subject to payment of the Taxes, Fees and Charges for each seat).

Only one Companion Voucher can be earned in any calendar year. If an Eligible Member reaches their spend target before the end of the calendar year then further spends, it will not accumulate towards another Companion Voucher. Eligible Members can begin earning towards their next Companion Voucher from 1 January each year. Please allow six (6) to eight (8) weeks for the Companion Voucher to be added to the British Airways Executive Club account after meeting the spending requirement.

The Companion Voucher entitles the Eligible Member to purchase a Companion Ticket at the time of booking a Reward Flight, without having to pay for the price of the companion’s flight. The Companion Voucher will be issued in the name of the primary cardholder, who must travel on any Companion Voucher booking. Reservations and bookings for both the Reward Flight of the Eligible Member and the Companion Ticket of the companion must be made at the same time, for the same flight, on the same date, in the same class and cabin and on the same passenger name record (PNR) for travel on the same itinerary.

Eligible Members will be responsible for paying, without limitation, the taxes, fees and carrier charges, related to the Companion Ticket. Prices shown are Reward Flight Saver redemptions. Reward Flight Savers are British Airways’ best value Reward Flights. Reward Flight Saver offers customers great value flights with a low, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount. To be eligible for Reward Flight Saver, you need to have collected at least one Avios in the past 12 months. If you are not eligible for Reward Flight Saver, you’ll be shown the standard Reward Flight price instead with full taxes, fees and charges. To find out more about Reward Flights and/or Reward Flight Saver, click here . At the time of publication, a standard Reward Flight booking or a standard Companion ticket booking (non-Reward Flight Saver) would be subject to taxes, fees, & carrier charges of approximately $870 return travel from Vancouver to London in economy class and approximately $1,900 per person based on business class travel. To make a booking, (including the Companion Ticket) Eligible Members must visit ba.com and log in using their membership number and PIN/Password. It is not possible to book a Reward Flight or a Companion Ticket by contacting a travel agent, or at the airport.

The Companion Award Voucher may be used for flights operated by British Airways only. Travel on franchise, codeshare or alliance airlines is not permitted. Return flights must be booked at the same time the outward journey is booked. All travel must originate in and return to Canada. Companion Vouchers can be used on a one way or return flight. Return flights must be booked at the same time the outward journey is booked. All travel must originate in and return to Canada.

A Companion Voucher can only be used if and when an Eligible Member is booking a Reward Flight using Avios and cannot be combined with any other offer, promotion, mileage or frequent flyer programme. Full details of fare rules can be found on ba.com. All Reward Flights and Companion Tickets are subject to availability and there is no guarantee Eligible Members will be able to book a flight for a companion on the Eligible Member’s choice of flight and destination. The Companion Voucher is only valid if it has been acquired in accordance with these Terms and Conditions.

A Companion Voucher is valid for twenty-four (24) months from the date it is issued and must be exchanged for a Companion Ticket with travel commencing from Canada before the expiry date on the Companion Voucher. Eligible Members must still have a Card in good standing at the time of travel. British Airways and/or Royal Bank of Canada reserve(s) the right to refuse to issue or to honour any Companion Voucher in the event that the Eligible Member is in breach of either these RBC British Airways Visa Infinite Companion Voucher Terms and Conditions, their RBC Royal Bank Credit Card Agreement or Executive Club Terms and Conditions.

A maximum of two Companion Vouchers can be redeemed at any one time on the same booking e.g. [2] Avios reward fares plus [2] Companion Voucher tickets.

The Companion Voucher is not extendable, refundable, transferable, and has no cash or mileage value. At no time may the Companion Voucher be purchased, sold, or bartered but if it is, any such Companion Voucher will become void. Companion Vouchers are applicable to new and future bookings only; they cannot be used to amend or pay for existing bookings.

The Companion Ticket is subject to the Executive Club Terms and Conditions relating to Companion Vouchers. If the Eligible Member cancels the Companion Ticket booking more than twenty-four (24) hours prior to the scheduled departure of the outbound flight from Canada, British Airways will redeposit the Companion Voucher which will only be valid for the remainder of its original twenty-four (24) month expiry period based on the original date of issue. Reward Flight bookings and Companion Tickets cancelled within twenty-four (24) hours of departure will result in the Companion Voucher and Avios being cancelled without any possibility of being reissued or credited to the Eligible Member. Please visit the full British Airways Executive Club Terms and Conditions found online at ba.com/theclub

10% off British Airways flights round-trip flights originating in and returning to Canada when you book on ba.com/RBC10 and pay with your RBC BA Visa Infinite card. In order to take part in the 10% promotion, RBC British Airways Visa Infinite cardholders must log in at ba.com/RBC10 using their Executive Club username and PIN and make a roundtrip booking now through December 31, 2024 and enter the promotion code CARDOFFERC in the marked box on the Price Quote page of the booking process. A 10% discount is valid on the total roundtrip price, including taxes, fees and carrier charges, on mainline flights operated by British Airways purchased now through December 31, 2024 only. Travel must be fully completed by December 15, 2025 (departure and return). A 10% discount will appear during the final payment page. Fares not purchased through ba.com/RBC10 do not qualify for the discount. Discount is not valid for flights on code share or franchise carriers. All rules of roundtrip fare purchased apply, including advance purchase, minimum stay, weekend add-ons, and cancellation/refund rules. Offer is non-transferable and cannot be combined with any other offer. Valid for new bookings only made by Canadian residents paying in CAD using a valid British Airways Visa‡ card issued by Royal Bank of Canada for roundtrip travel commencing from Canada to London and beyond. Discount is taken off the total roundtrip price of every ticket including taxes and fees on the same booking. 10% discount applies for up to eight passengers booked on the same British Airways booking for the same flights. Cardholder must travel to qualify for the 10% discount. Refunds from previously purchased fare types not permitted. The 10% discount not combinable with any other offer and is taken off valid, published fares only and is subject to availability. Offer is subject to British Airways fare rules and conditions of contract available on ba.com and may be limited or withdrawn at any time without advance notice. Other significant restrictions may apply. Newly enrolled Executive Club members, please allow 24 hours to use the promotion code. British Airways, not Royal Bank of Canada, is responsible for the terms and conditions of this offer and the British Airways Executive Club program.

To qualify for the standard Avios award and all bonus Avios awards, rentals must include the British Airways Executive Club membership number of the first named driver (the “renter”). This Executive Club card number must be given at time of reservation and the card shown at time of rental. Qualifying rentals must either be pre-paid using a participating British Airways co-brand finance card (via ba.com, avisba.com, BA Call Centers or Avis Call Centers) or if a pay-later reservation has been made, the rental must be paid for at the rental location when the car is returned using a participating British Airways co-brand finance card. Only payment for rentals will qualify for the bonus. Separate payment for non-rental items such as ancillaries, damages, fines will not qualify for the Avios bonus. If the rental value is subsequently refunded by the British Airways co-brand finance card, the 250 bonus Avios will be debited from the Executive Club member’s account. The awarding of Avios may take up to 8 weeks from date of rental. All Avios issued are subject to Executive Club terms and conditions. Renter must meet Avis age, driver and credit requirements. For full terms and conditions please visit ba.com/avis .

Terms and conditions apply, visit www.ba.com for details.

Coverage underwritten by RBC General Insurance Company.

Offered by Visa Infinite. Offers are subject to availability and other restrictions may apply.

21.99% if you reside in Quebec.

Offer is valid on purchases made between September 1, 2020 and November 30, 2020 and posted to your September, October, November and December 2020 statements (depending on your statement cycle) of your RBC British Airways Visa Infinite card. Offer begins at your statement start date in September (anywhere between September 3 and September 27, 2020 depending on your billing cycle) and runs for a 90 day period thereafter (“Qualifying Period”). Eligible cardholders must have an active RBC British Airways Visa Infinite account in good standing at the time of purchase.

Reward Flight Terms and Conditions - Reward Flight Savers are British Airways’ best value Reward Flights. Reward Flight Saver offers customers great value flights with a low, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount. To be eligible for Reward Flight Saver, you need to have collected at least one Avios in the past 12 months. If you are not eligible for Reward Flight Saver, you’ll be shown the standard Reward Flight price instead with full taxes, fees and charges. To find out more about Reward Flights and/or Reward Flight Saver, click here . Reward Flights are subject to availability. The price referenced here is for a Reward Flight Saver fare and based on an off-peak, return fare for one passenger travelling in World Traveller (Economy), from Toronto to London. All prices and Avios amounts quoted are correct as of April 2024.

This limited time offer period starts September 1, 2020 to December 31, 2020 for eligible cardholders who spend a minimum of $25,000 CAD (usually $30,000 CAD) in qualifying purchases on their RBC British Airways Visa Infinite credit card in a calendar year (“calendar year” refers to the time period starting from January 1 through to December 31) will receive a maximum of one Companion Award eVoucher for that calendar year they will be able to apply towards the purchase of a flight for a companion travelling with the eligible cardholder, on the same Reward flight (“Companion Ticket”). Please note that qualifying purchases exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the spend amount by the amounts originally charged. Please allow six (6) to eight (8) weeks for the Companion Award eVoucher to post to the British Airways Executive Club account after meeting the spending requirement. The Companion Award eVoucher entitles the Eligible Member to purchase a Companion Ticket at the time of booking a Reward flight, without having to pay for the price of the companion’s flight. Reservations and bookings for both the Reward flight of the Eligible Member and the Companion Ticket of the companion must be made at the same time, for the same flight, same date, in the same class, same cabin and on the same passenger name record (PNR) for travel on the same itinerary. Eligible Members will be responsible for paying, without limitation, the taxes, fees and carrier charges, related to the Companion Ticket. At time of publication, all Reward Flights and Companion Tickets are subject to taxes, fees, & carrier charges of approximately $660 CAD per person based on travel from Toronto to London in economy class and approximately $1,100 CAD per person based on business class travel. To make a booking, (including the Companion Ticket) Eligible Members must visit ba.com and log in using their membership number and PIN/Password. It is not possible to book a Reward flight or a Companion Ticket by contacting a travel agent, or at the airport. The Companion Award eVoucher may be used for flights operated by British Airways only. Travel on franchise, codeshare or alliance airlines is not permitted. Return flights must be booked at the same time the outward journey is booked. All travel must originate in and return to Canada. All Reward flights and Companion Tickets are subject to availability and there is no guarantee the Eligible Member will be able to book a flight for a companion to the Eligible Member’s choice of flight and destination. The Companion Award eVoucher is only valid if it has been acquired in accordance with the full Terms and Conditions. Please log onto your Executive Club account, under My eVouchers. A Companion Award eVoucher is valid for twenty-four (24) months from the date it is issued and must be exchanged for a Companion Ticket before the expiry date on the eVoucher. Eligible Members must still have an RBC British Airways Visa Infinite credit card in good standing at the time of travel. British Airways and/or Royal Bank of Canada reserve(s) the right to refuse to honour any Companion Ticket in the event that the Eligible Member is in breach of either these RBC British Airways Visa Infinite Companion Award eVoucher Terms and Conditions, their RBC Royal Bank Credit Card Agreement or Executive Club Terms and Conditions. The Companion Award eVoucher is not extendable, refundable, transferable, and has no cash or mileage value. At no time may the Companion Award eVoucher be purchased, sold, or bartered but if it is, any such eVoucher will become void. Companion Award eVouchers are applicable to new and future bookings only; they cannot be used to amend or pay for existing bookings. Changes to bookings such as refunds/cancellations are subject to the standard British Airways Terms and Conditions for the ticket purchased. The Companion Award eVoucher cannot be reissued or credited to the Eligible Member once a booking has been made, unless a flexible ticket has been purchased. If the Eligible Member with a flexible ticket cancels the Companion Ticket booking, when redeposited the Companion Award eVoucher will only be valid for the remainder of its twenty-four (24) month expiry period based on original date of issue. Any use of the Companion Voucher and/or use of Avios must be in accordance with the British Airways Executive Club Terms and Conditions. Full British Airways Executive Club Terms and Conditions.

Earn 4 Avios per $1 CAD spent on booking travel with British Airways and British Airways Holidays and 2 Avios per $1 CAD spent on all other qualifying net purchases for transactions posted to your RBC British Airways Visa Infinite card between November 1 and November 30, 2016. Offer is valid on qualifying net purchases posted to your RBC British Airways Visa Infinite card between November 1 and November 30, 2016 (“qualifying period”) provided your account is in good standing. Once the “qualifying period” is over, your earn rate will return to the standard earn rate of 2 Avios per $1 CAD spent on booking travel with British Airways and British Airways Holidays and 1 Avios per $1 CAD spent on all other qualifying net purchases when you use your RBC British Airways Visa Infinite card.

Reward Flights are available to any Executive Club Members with an Avios balance. In addition to your Avios, the only cash amount required for Reward Flights is to cover the taxes, fees and carrier charges. Your chosen date of travel will determine whether you pay a peak or off-peak Avios amount. When booking Reward Flights, you can choose all peak dates, all off-peak dates or a mixture of the two. The taxes, fees and carrier charges will vary dependent on airline, class of travel and destination and will be calculated when you book your flights. Travel in premium economy (World Traveller Plus), business (Club Europe and Club World) and First will result in higher taxes, fees and carrier charges. The final fee (i.e. Avios plus payable taxes, fees and carrier charges) will be displayed at the final stage of your booking.

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

All other trademarks are the property of their respective owner(s).

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Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

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The best RBC credit cards in Canada for 2024

Discover the best RBC credit cards, whether you’re looking for cash back, travel points or low interest.

Why trust us

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers. Learn more about our  advertising and trusted partners .

The best RBC credit cards in Canada by category

By Sandra MacGregor on March 1, 2024 Estimated reading time: 7 minutes

Royal Bank of Canada offers an array of credit cards catering to various preferences and spending habits. Whether you prioritize travel rewards with Avion points, seek the flexibility of cash back, or prefer unique benefits like WestJet dollars, RBC has a card for you. With credit cards spanning the Visa and Mastercard networks, cardholders can tailor their shopping experience to suit their preferences. Let’s explore the standout features of the best RBC credit cards in Canada.

Best RBC travel credit card

At a glance: The RBC Avion Visa Infinite is a premium travel credit card that has a flexible rewards program and exclusive benefits. Cardholders earn 1 Avion point per $1 spent, and a boosted 1.25 points on eligible travel expenses (like flights, cruises and car rentals).

RBC Avion Visa Infinite

• Annual fee: $120
• Earn rate: 1.25 Avion points per $1 spent on travel (including flights, hotels, taxis and public transit) and 1 point per $1 on all other purchases.
• Welcome bonus: You can earn 35,000 welcome Avion points on approval** - Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points). Apply online and get a response in as little as 60 seconds.
• Annual income requirement:  Personal income of $60,000 or household income of $100,000
• Point value: 1 RBC Avion point = Up to $0.023 when redeemed for travel using RBC’s Air Travel Redemption Schedule. 
• Recommended credit score : None specified
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
• RBC Avion points can be worth as much as $0.023 each when redeemed for travel, which is a high value among travel rewards cards.
• Avion has a lot of travel redemption flexibility. You can redeem your points for travel using RBC’s Air Travel Redemption chart, transfer points to select airlines (including WestJet), and redeem for travel purchases through RBC. 
• There are no blackout periods or seat restrictions, even during periods of high demand. 
• Exclusive access to concert tickets, including Taylor Swift . 
• Impressive travel insurance coverage, including trip cancellation and interruption and emergency medical. It even features mobile device insurance of up to $1,500.
• You’ll pay a foreign transaction fee of 2.5% on all purchases not in Canadian dollars. 
• The highest earn rate is 1.25%, which is not very high for a premium card; other premium cards feature significantly higher earn rates.
• The personal annual income requirement of $60,000 (or household income of $100,000) may be too high for some applicants.

Best RBC airline travel credit card

At a glance: With perks like a yearly round-trip companion voucher, free checked bags and Boingo Wi-Fi access, the WestJet RBC World Elite Mastercard makes an attractive travel buddy. In fact, it’s the best credit card in Canada for frequent WestJet flyers—full stop. Cardholders earn 2% back in WestJet dollars on purchases of WestJet flights and vacation packages and get 1.5% back on all other spending. One WestJet dollar has a value of one Canadian dollar.

WestJet RBC World Elite Mastercard

• Annual fee: $119
• Earn rate : 2% back in WestJet dollars on WestJet flights and vacations packages and 1.5% back on all other purchases
• Welcome offer : You can earn up to $450 in WestJet dollars with the WestJet RBC World Elite Mastercard. Plus, get a Round-Trip Companion Voucher Every Year – for any WestJet destination starting from $119 CAD (plus taxes, fees, charges and other ATC).
• Annual income requirements : Personal income of $80,000 or household income of $150,000
• Point value: 1 WestJet Dollar = $1 CAD when redeemed for eligible flights or vacation packages
• Recommended credit score: None specified
• Interest rates : 20.99% on purchases, 22.99% on cash advances
• Travel perks include complimentary first checked bags for the primary cardholder and up to eight companions.
• Get an annual round-trip companion voucher for any WestJet destination, starting at $119 (plus taxes, fees and other charges) or opt to exchange it for four lounge vouchers.
• Extensive travel insurance, including emergency medical, trip interruption and flight delay coverage. 
• Cardholders can save up to $0.03 on fuel at Petro-Canada and can also earn Rexall’s Be Well points.
• The card grants access to over 1 million Boingo Wi-Fi hotspots worldwide.
• WestJet dollars can’t be used to pay for taxes and fees.
• Unlike with Aeroplan, for example, rewards are not flexible as they can only be used for WestJet flights and WestJet vacations. 
• A minimum personal income of $80,000 (or $150,000 household income) is required to apply.

Best RBC no-fee travel rewards credit card

At a glance: The RBC ION Visa is a no-annual-fee rewards credit card that gives you 1.5 Avion points per $1 spent on groceries, rides, gas (and EV charging), streaming, subscriptions and digital gaming. Get 1 point per $1 spent on all other purchases.

RBC ION Visa

• Annual fee: $0
• Earn rate: 1.5 Avion points per $1 spent on groceries, rideshares, daily transit, gas, EV charging, streaming, digital gaming and subscriptions; and 1 point per $1 on all other purchases
• Welcome bonus: You can earn 3,500 Avion points upon approval
• Annual income requirement:  None
• Some redemption flexibility. You can redeem your points for travel, statement credits, merchandise, gift cards and more. 
• Enjoy fuel savings at Petro-Canada, a three-month free DashPass subscription, and Be Well points with purchases at Rexall pharmacies.
• Good for gamers: The RBC ION Visa is one of the only cards in Canada that lets you earn rewards on gaming subscriptions, digital downloads and in-game purchases.
• The card features purchase security and extended warranty insurance.
• The RBC Avion rewards program includes three different membership tiers: Avion Select, Avion Premium and Avion Elite. The RBC ION Visa is part of the Avion Premium tier, meaning you can’t redeem your points through RBC’s Air Travel Redemption Schedule—which offers the highest value for your points. That feature is part of Avion Elite, which requires having an RBC Avion card. 
• The card has limited insurance coverage.

Best RBC cash back credit card

At a glance: With the RBC Cash Back Preferred World Elite Mastercard, you’ll earn cash back on all your purchases. You’ll get 1.5% on the first $25,000 charged to the card annually and 1% thereafter. Enjoy additional benefits like instant fuel savings at Petro-Canada, Be Well points at Rexall and $0 delivery fees for 12 months from DoorDash.

RBC Cash Back Preferred World Elite Mastercard

• Annual fee: $99
• Earn rate: 1.5% back on all your purchases
• Welcome bonus: You can earn unlimited cash back, no limit to what you can get back
• Annual income requirement:  Personal income of $80,000 or household income of $150,000
• Recommended credit score for approval: None specified
• The annual fee of $99 is lower than many other premium cards.
• If you link your RBC card to your Petro-Points account, you’ll save $0.03 cents per litre on gas at Petro-Canada and also get a 20% bonus of Petro-Points.
• You can earn 50 points per $1 spent at Rexall when you link your RBC card and your Rexall Be Well card.
• Card comes with a 12-month free DashPass subscription.
• Weak insurance offering compared to other premium cards. It only includes rental theft and car damage, purchase protection and extended warranty.
• The boosted rate of 1.5% is capped at your first $25,000 spent annually.

Best RBC no-fee cash back credit card

At a glance: Like some of the best cash back credit cards in Canada , the RBC Cash Back Mastercard offers cash back with no annual fee. Earn up to 2% on groceries and up to 1% on all other purchases. Benefit from instant fuel savings at Petro-Canada, enhanced Be Well points at Rexall and $0 delivery fees for three months from DoorDash.

RBC Cash Back Mastercard

• Earn rate: 2% cash back on groceries and 1% back on all other purchases
• Welcome bonus: You can
• The card comes with purchase security and extended warranty protection.
• Save $0.03 per litre on fuel at participating Petro-Canada stations and earn 20% more Petro-Points.
• Get 50 Be Well points per $1 spent at Rexall.
• Enjoy a complimentary DashPass subscription for the first three months.
• The unusual rewards structure requires cardholders to read the fine print carefully to understand the spending limits at which their rewards will increase or decrease. You’ll get 2% cash back on groceries for the first $6,000 spent, which then drops to 1% per additional dollar spent in the category. For all other purchases, you’ll get 0.5% cash back on the first $6,000 spent—and 1% thereafter. 
• Very limited insurance offering, with only purchase security and extended warranty.

Best RBC low-interest credit card

At a glance: For individuals trying to tackle credit card debt, the RBC Visa Classic Low Rate Option is a valuable card. It offers a consistent 12.99% interest rate for purchases and cash advances—that can’t be said of all low-interest credit cards in Canada . While it may lack extensive perks, it does provide advantages like discounts at Petro-Canada and complimentary delivery services through DoorDash.

RBC Visa Classic Low Rate Option

• Annual fee: $20
• Welcome offer: None
• Annual income requirement: None
• Interest rates: 12.99% on purchases, 12.99% on cash advances, 12.99% on balance transfers
• With its affordable $20 annual fee and no minimum income requirement, this card is within reach for the majority of Canadians.
• Additional cards are available at no cost.
• Enjoy RBC Offers, which gives cardholders access to deals and savings.
• Earn more Petro-Points and get a discount on fuel at Petro-Canada.
• The card comes with a three-month complimentary subscription to DashPass.
• This card doesn’t come with any travel insurance.
• While the low interest rate is a boon to those with credit card debt, it doesn’t feature a balance transfer promotion, so you can’t move debt from a higher-interest card.

More of Canada’s best credit cards :

• Best credit cards in Canada
• Best travel credit cards
• Best travel insurance credit cards
• Best Air Miles credit cards
• Best no foreign transaction fee credit cards

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• Top RBC credit cards at a glance
• Best RBC cards by category

About Sandra MacGregor

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Important travel updates and what you need to know

Last Updated: June 27, 2023

Attention: Important Travel Updates

To get the most recent update on your flight status, visit the website of the airline you are travelling with. You’ll need your booking reference number (airline confirmation) on your itinerary to access your flight information.

If you’d like to manage or change your existing booking, please log into Avion Rewards Travel . Once you are in the travel portal click the blue “Help” button at the bottom right corner to make changes or cancel your booking.To cancel or change your trip details:

• Go to Avion Rewards Travel
• Select "My Trips" in the top right corner
• Select your upcoming trip and click “Manage booking”
• Choose “Cancel Flight”, “Change Flight”, or “Change Reservation” and follow the instructions
• To book new travel using Avion points

To book a new flight using an airline travel credit

Airline travel credit rules to remember, insurance policies, cwt vacations update, rbc avion visa infinite privilege for private banking cardholders: new travel advisor service details, to book new travel using avion points:.

Book through Avion Rewards Travel or contact the Avion Rewards Travel Call Centre at 1-877-636-2870 (additional service fees apply).

If you have an airline credit due to a flight cancellation that you’d like to use, contact the Avion Rewards Travel Call Centre at 1-877-636-2870.

Be sure to have the following ready when you call:

• Itinerary number of the original booking
• Travel credit amount
• Traveller name(s)
• Details of your new flight options, including flight numbers for your preferred outbound and/or inbound flights
• Each airline sets their own policy for how you can redeem your credit
• If you use an airline travel credit for a ticket to a destination in a different jurisdiction or region than the original booking, you may incur additional taxes and fees. Applying the credit to a new set of taxes and fees vary based on airline policy. Our agents can’t waive them.
• Some airlines may require you to use the entire credit value at once to receive the full value. Please contact Avion Rewards Travel Call Centre at 1-877-636-2870 for more information
• Airline credits (including taxes and fees) can only be used for air travel with the airline you originally booked with. They cannot be used for other services such as checked bags, upgrades, etc.
• Each airline credit is in the original traveller’s name; you can’t combine airline credits or transfer them to another person
• Airline credits have a travel-by date (sometimes called credit validity)
• When planning to travel, please check your airline’s website for possible changes to your flight experience and any new passenger requirements. Many airlines are making temporary changes to prioritize traveller safety

For credit card insurance coverage, refer to your travel insurance policy/certificate for further details. For other travel insurance, please contact your travel provider directly.

Trip Cancellation and Interruption insurance coverage included with your RBC credit card provides coverage for trips that are paid in full with your RBC credit card (and/or Avion points). Trips booked using a travel credit/voucher are not covered, even if originally purchased on your RBC credit card. Please consider your options, such as purchasing travel insurance when using a travel credit/voucher. If you require assistance or have questions about your coverage, please contact Assured Assistance Inc .

Effective July 31, 2022, you are no longer able to redeem your Avion Points at CWT Vacations locations.

Please contact the location where you originally booked your travel unless otherwise advised. Please refer to the travel advisor contact information on the invoice or email provided to you when you made your original reservation.

CWT Harvey’s Travel will service your existing CWT Vacations’ booking. You can contact CWT Harvey’s Travel by calling at the same number (1-866-926-4070).

Your new travel advisor service is provided by Avion Rewards Travel Concierge for Private Banking . To book travel, call 1-888-ROYAL 8-5, choose a language, select Travel (option 2), then select Travel Concierge for Private Banking (option 2).

Making changes to existing bookings with CWT Vacations

CWT Vacations will continue to service existing bookings. You can contact CWT Vacations at 1-888-ROYAL 8-5, select language and option 2 and 3.

RBC Emails : Please know that RBC will never ask you to provide, confirm or verify personal, login or account information through regular email, text message, phone calls or when signing into an online service. Please disregard any emails or text messages requesting that you reply with confidential information. If you have received a suspicious message from RBC, please forward it to [email protected] .

Supporting Clients Impacted by COVID-19

We remain committed to keeping you informed about actions we’re taking, to support you during this time. Get important information on the support and assistance RBC has made available to help you as we focus on keeping clients and employees safe during this difficult time.

24/7 Emergency Assistance and Coverage for Stable Pre-Existing Conditions Disclaimer 2

Get a quote and purchase affordable travel insurance in minutes.

Travel Insurance for Seniors and Snowbirds

Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.

Here are just a few reasons to protect yourself with RBC Travel Insurance:

24-hour worldwide emergency medical and travel assistance.

Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.

Unlimited coverage for eligible medical expenses Disclaimer 1

If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren’t covered by your government health insurance.

Coverage for stable pre-existing conditions Disclaimer 2

You can travel knowing you’re financially protected if you need emergency medical treatment during your trip.

Safe transportation to the closest medical facility

If you need urgent treatment, we’ll provide transportation to the most appropriate facility, even if it’s in another country. We’ll also pay to have a friend or family member travel to your bedside.

Direct payment of medical bills, whenever possible Disclaimer 3

We will also coordinate payments with your government health insurance so you aren’t out-of-pocket for any costs.

Get a Travel Insurance Quote

You can get a no-obligation quote and buy now in just a few simple steps. It’s fast and easy using our secure online application.

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Travel Insurance FAQs

Have questions about travel insurance for seniors? Get the answers you need here.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

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• no new treatment, new medical management, or new prescribed medication; and
• no change in treatment, change in medical management, or change in medication; and
• no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
• no new test results or test results showing a deterioration; and
• no investigations or future investigations initiated, or recommended for your symptoms; and
• no hospitalization or referral to a specialist (made or recommended).

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RBC® Avion Visa Infinite†

Signup bonus:

Annual fee:, interest rates:, earning rate:.

The RBC ® Avion Visa Infinite † is RBC ® ‘s flagship product, and currently offers a strong welcome bonus with no spending requirement.

Bonuses & Fees

This card is currently offering a promotional welcome bonus of 35,000 RBC Avion points † for new cardholders, which are awarded upon approval † .

The card has an annual fee of $120 † and $50 fee for supplementary cardholders.

If you have an RBC ® VIP Banking Account , you’ll be able to get a fee waiver on one of RBC ® ‘s premium credit cards, including this one.

Earning Rewards

The RBC ® Avion Visa Infinite † offers the following earning rates:

• 1.25 RBC Avion points per dollar spent † on qualifying travel purchases
• 1 RBC Avion point per dollar spent † on all other qualifying purchases

Redeeming Rewards

There are a variety of ways to redeem RBC Avion points for a high value.

As a transferable currency, eligible cardholders can convert their RBC Avion points into British Airways Executive Club† and Cathay Pacific Asia Miles† at a 1:1 ratio, WestJet Rewards† at a 100:1 ratio, as well as American Airlines AAdvantage† at a 1:0.7 ratio.

Avios, Asia Miles, and AAdvantage will all provide a means to book business class and First Class flights on Oneworld airlines, which will be by far the best value for your Avion points if you’re interested in travelling internationally in style.

Look out for 10–50% transfer bonuses to these partners too, which can boost the value of your points even further.

These can be some of highest value uses of RBC Avion points. If you signed up via the current offer for 35,000 Avion points, for example, and transferred the points over to Avios during a 30% promotion, you’d get 45,500 Avios — good for a number of short-haul flights, or enough to make solid progress towards a one-way flight in Qatar Airways Qsuites from North America to Doha or a multi-carrier ticket .

You can also redeem via the Air Travel Redemption Schedule † , which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. As a baseline, you can also apply Avion points to any travel purchase at a rate of 1 cent per point † .

Perks & Benefits

The RBC ® Avion Visa Infinite † includes a host of interesting benefits, including 12 months of free DashPass from DoorDash as part of the wider partnership between RBC and DoorDash † . In addition to this perk, cardholders get to enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.

It also includes a 3¢/L saving on fuel at Petro-Canada † , along with earning 20% more Petro-Points and RBC Avion points upon using your card to pay † .

Furthermore, RBC Avion cardholders can save 20% at Hertz † , as well as earn 2x the points if using your card † .

Finally, you can earn 50 Be Well points for every $1 spent on eligible products at Rexall † , as well as an improved redeeming ratio of 25,000 Be Well points = $10.

Insurance Coverage

The RBC ® Avion Visa Infinite † comes with pretty strong protection, as would be expected for a premium credit card:

Emergency medical insurance † for the first 15 days of any out-of-province trips for travellers under the age of 65 or the first three days for those 65 and up

Travel accident insurance † , covering death or dismemberment, of up to $500,000

Car rental collision/loss damage insurance † , which allows you to save on the daily insurance charged by car rental companies for vehicles up to a MSRP of $65,000

Trip cancellation insurance † of up to $5,000 and trip interruption insurance † of up to $25,000

Flight delay insurance † of up to $500 for reasonable expenses incurred

There’s also a very compelling purchase protection scheme †  in place that will reimburse you for accidentally lost or damaged personal property within 90 days of purchase, up to a maximum of $50,000 per year, as well as an extended warranty †  feature that automatically doubles the original manufacturer’s warranty.

Overall, the insurance on this card is on par with other premium cards in the market, making it a solid option for any big purchases.

Historical Offers

Legal disclaimers.

†Terms and conditions apply. RBC Bank is not responsible for maintaining the content on this site. Please click on the ‘Apply Now’ link for the most up to date information.

As a Visa Infinite product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000 to be eligible. Please refer to RBC® page for up to date offer terms and conditions.

27 Comments

Do you have a way to compare this card vs the ION+ form RBC? I’m trying to figure out if I should cancel this one and do the ION.

If you cancelled the Avion card, your ION or ION+ won’t have access to transfer the points to British airways, Cathay Asia Miles, American Airlines. You could still transfer to Westjet though. So just FYI

Just applied and got approved for this credit card for the bonus. I’ve the HSBC World Elite so it’d be interesting to know if I’ll have 2 same credit cards.

Hi Ricky! I just discovered your website and feel like a whole new world has been opened up to me! I have the West Jet World Elite M/C (RBC) and I don’t see the benefits of the card really helping me, so not worth the annual fee. The anniversary is in December, and I’m wondering if it’s possible to switch to the RBC Avion rather than cancel and apply for a new card, because I’m reading that’s not always the best option. But since these card are from the same bank, it may work? And then I could qualify for the new welcome bonus for the Avion?

Would I get the full points if I switch from an RBC cashback card to an RBC Avion visa infinite?

** Product switch only earned 15,000 points

Hi Ricky, Is there a card that has a better return than the 2.14 this one has for long haul in Canada? I currently use my rewards every two years to fly across Canada at Xmas. Family is now 4 travellers and only have points for 3 so looking to maximize.

I just got approved for the Avion Visa Infinite. I’m interested to see how beneficial the welcome bonus points of 35000 will be when redeeming them for a flight from Toronto to California. Would you suggest to use the points to upgrade my seats? I’m also interested in the cellphone protection insurance as I haven’t seen that offered in other cards.

Points are almost always better spent on making bookings directly rather than upgrading seats.

Just applied and got approved for Avion Visa Platinum, would you say this card is really good if you only want to carry 2 cards in your wallet? (btw my other card is American Express Cobalt Card)

I’d say it’s a decent choice, but you may be able to do better. For example, pairing the Cobalt with the HSBC World Elite would deliver a lot more benefits for your non-Amex spending for only a $49 net annual fee.

I checked flights using Avios search engine going to South America (Buenos Aires) and other destinations. The economy seats are really expensive. It practically makes your points WORTHLESS to use. What’s the point of following this point system if you cant fly where you want to go. It’s better if you stick with cheapflights.com or any of these third-party websites for really cheap flights.

Correct. Points are better used on higher-value trips like business class and First Class.

Since I hold the rbc rewards+ visa I can’t get the 35000 points welcome bonus l even if I product switch or apply for the avion visa infinite right? So I am basically out of luck?

I have this card and received the bonus points. If I use the bonus points then product switch to a card with no AF, is there any chance that they require the points back or something? How long would you hold the card before doing this? I’ve been told by an RBC agent that they’ll provide a pro-rated refund on the AF if I switch.

Unlikely. The safest timeline for such actions is six months, although some users have “gotten away with” shorter timeframes.

Hi Ricky, I just checked out the link to apply for this RBC card but only the standard offer of 15,000 points and no first annual fee rebate is offered. Has this promotion finished already?

Yep. These “mystery links” that pop up never last too long, so now we’re back to the standard offer of 15,000 points + $120 annual fee. Time to wait for the next one!

I have the Westjet now, if I make a switch product. Would I be entitled to this 20K promotion?

Most of the time a product switch only gives you the public bonus that isn’t found through a special link – in this case it’d be the usual 15k.

And it wouldn’t be FYF right?

It would appear that the additional 10,000 RBC Avion bonus points (for making purchases of $1000) is no longer on offer. Today, Oct 1, I started to sign up through the link above. The lead page now references the 15,000 bonus only.

Looks like you’re right Al. Back down to 15k it is.

Data point for reference: I product switched from the Avios to this and did not receive the bonus points. (But I did receive bonus points when I product switched from the RBC Westjet to the Avios prior to that).

Just applied and approved. Thanks for the link

Any idea if it’s possible to apply and get the bonus if I already have this card currently open?

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