RBC Avion Visa Platinum
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The RBC Avion Visa Platinum is a versatile travel rewards credit card with flexible redemption options and a moderate annual fee. It caters to those who prioritize earning travel points for flights and other rewards.
Welcome Offer
Earn up to 55,000 Avion points: 35,000 upon approval and 20,000 after spending $5,000 in the first six months.
Summary
This credit card comes with an annual fee of $120, making it a budget-friendly option for those looking to manage costs. If you need an additional card for a family member, it will cost $50. When you make purchases with this card, the interest rate is 19.99%. For cash advances, the rate is slightly higher at 22.99%. This card balances affordability with competitive rates, ensuring a good deal for everyday spending and occasional cash needs.
Rewards
With this credit card, you’ll earn rewards for every dollar you spend. For general purchases, you get 1 Avion point per $1 spent. If you book travel through the RBC Rewards program, you’ll earn even more: 1.25 points per $1 spent. This card is great for those who want to maximize their rewards, especially on travel expenses.
Benefits
This credit card comes packed with travel perks to enhance your journeys. Enjoy access to the Visa Infinite Luxury Hotel Collection, providing exclusive benefits at top hotels worldwide. Additionally, you’ll get a free DashPass subscription for six months, offering unlimited deliveries with no extra fees. For your car rental needs, benefit from special discounts, making your trips even more affordable and convenient. This card is designed to elevate your travel experiences with valuable perks and savings.
Insurance
- Travel insurance including trip interruption, travel accident, and car rental collision coverage.
Editor’s Review
RBC Avion Visa Platinum Credit Card Review
Overview: The RBC Avion Visa Platinum is a versatile travel rewards credit card, ideal for frequent travelers looking to maximize their points on everyday spending. It offers a generous welcome bonus, comprehensive travel insurance, and flexible redemption options.
Key Features:
- Interest Rate: 19.99% on purchases, 22.99% on cash advances
- Annual Fee: $120
- Welcome Bonus: Up to 55,000 Avion points
- Rewards Rate: 1 point per dollar spent on all purchases
- Insurance Coverage: Travel accident, trip cancellation, and rental car insurance
Rewards Program:
- Earn 1 Avion point per $1 spent
- Redeem points for travel, merchandise, gift cards, or financial products
- Flexible travel redemption options with no blackout dates
Fees:
- Annual Fee: $120
- Additional Card: $50 per card
- Foreign Transaction Fee: 2.5%
Benefits:
- Complimentary access to travel insurance
- Avion points can be transferred to various frequent flyer programs
- Purchase security and extended warranty protection
Insurance Coverage:
- Travel Accident Insurance: Up to $500,000
- Trip Cancellation Insurance: Up to $1,500 per person
- Auto Rental Collision/Loss Damage Insurance
Security Features:
- Chip and PIN technology
- Fraud detection and protection services
- Secure online transactions with RBC Digital Banking
Pros:
- High rewards potential with generous welcome bonus
- Comprehensive travel insurance coverage
- Flexible points redemption options
Cons:
- Annual fee of $120
- 2.5% foreign transaction fee
- Standard rewards rate could be higher
Who is this card for? The RBC Avion Visa Platinum is best suited for frequent travelers who want flexible redemption options and robust travel insurance. It is ideal for those who can leverage the welcome bonus and plan to make significant purchases on the card to maximize rewards.
Comparison Table:
| Feature | RBC Avion Visa Platinum | TD Aeroplan Visa Infinite | CIBC Aventura Visa Infinite |
|---|---|---|---|
| Annual Fee | $120 | $139 | $139 |
| Rewards Rate | 1 pt / $1 | 1.5 Aeroplan pts / $1 | 1.5 Aventura pts / $1 |
| Welcome Bonus | Up to 55,000 pts | Up to 50,000 pts | Up to 40,000 pts |
| Travel Insurance | Yes | Yes | Yes |
| Foreign Transaction Fee | 2.5% | 2.5% | 2.5% |
Final Verdict: The RBC Avion Visa Platinum card offers a solid mix of rewards and travel benefits, making it an excellent choice for travelers. Its flexible redemption options, comprehensive insurance coverage, and substantial welcome bonus make it a competitive option in the travel credit card market. However, its annual fee and standard rewards rate may not appeal to everyone. Overall, it scores a solid 8.2 out of 10 for its valuable perks and versatility.
Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.
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