RBC British Airways Visa Infinite

The RBC British Airways Visa Infinite card is designed for frequent travelers who primarily use British Airways. Like most airline credit cards, it is most beneficial when used for the airline’s services. The card has a high annual fee and a high fee for each supplementary card, but it offers a generous welcome bonus. Additionally, as an RBC card, it provides fuel savings at participating Petro-Canada stations and allows cardholders to earn Be Well points when using the card at Rexall Pharmacy.

Card Summary:

This credit card has an annual fee of $165, with an additional $75 fee for each supplementary card. It features a purchase rate of 20.05% and a cash advance rate of 22.99%. You’ll earn British Airways Avios Rewards on your purchases, making it great for travelers. The card also offers comprehensive travel insurance, including emergency medical coverage, flight delay protection, hotel burglary insurance, and car rental insurance. New cardholders can enjoy a bonus offer valued at over $670 in the first two years. To qualify, you need a minimum personal income of $60,000 or a household income of $100,000.

Rewards Summary:

With this card, you can earn up to 60,000 bonus Avios points as a welcome offer. You’ll accumulate 1 Avios point for every $1 spent on regular purchases and 2 Avios points for every $1 spent on British Airways purchases. Spend $30,000 in the first year, and you’ll receive a Companion Award eVoucher. The value of Avios points can vary due to off-peak and peak pricing, but they generally provide a return of about 1.5% to 3.5%.

Benefits Summary:

This card offers flexible options for redeeming your Avios points, letting you choose how and when to use them. You also save 10% on British Airways flights when you book and pay with your card. Enjoy instant fuel savings of up to 3 cents per liter at participating Petro-Canada stations. Earn points at Rexall for every purchase. Plus, receive a free one-year DashPass subscription, valued at around $120, giving you access to exclusive savings on food deliveries.

Insurance Summary:

• Travel Coverage
• Emergency medical insurance.
• Flight Delay.
• Hotel burglary.
• Car Rental

Editor’s Review

RBC British Airways Visa Infinite Review

The RBC British Airways Visa Infinite card is tailored for frequent travelers, especially those who often fly with British Airways. With a high annual fee, it offers a generous welcome bonus and various travel-related perks. Below is an in-depth analysis of the card’s features, benefits, and potential drawbacks.

Card Summary

• Annual Fee: $165
• Supplementary Card Fee: $75 each
• Interest Rates:
  • Purchases: 20.05%
  • Cash Advances: 22.99%
• Rewards Program: British Airways Avios Points
• Income Requirement: Minimum personal income of $60,000 or household income of $100,000

Rewards Summary

• Welcome Bonus: Up to 60,000 Avios Points
• Earning Rates:
  • 1 Avios point per $1 spent on regular purchases
  • 2 Avios points per $1 spent on British Airways purchases
• Companion Award eVoucher: Spend $30,000 in the first year to receive this benefit
• Avios Points Value: Generally provides a return of about 1.5% to 3.5%, depending on peak and off-peak pricing

Benefits Summary

• Redemption Flexibility: Choose how and when to use Avios points
• Flight Discount: 10% off British Airways flights when booked and paid with the card
• Fuel Savings: Save up to 3 cents per liter at participating Petro-Canada stations
• Rexall Points: Earn Be Well points on purchases at Rexall Pharmacy
• DashPass Subscription: Free one-year subscription valued at around $120 for exclusive food delivery savings

Insurance Summary

• Travel Coverage:
  • Emergency medical insurance
  • Flight delay protection
  • Hotel burglary insurance
  • Car rental insurance

Detailed Review

Rewards and Avios Points Program: The RBC British Airways Visa Infinite card offers a robust rewards program centered around Avios points. The welcome bonus of up to 60,000 Avios points is a significant draw, especially for new cardholders. Regular purchases earn 1 Avios point per dollar, while purchases made directly with British Airways earn 2 Avios points per dollar. Achieving a spend of $30,000 in the first year unlocks a Companion Award eVoucher, adding extra value for frequent flyers.

Travel and Additional Perks: This card is designed with travelers in mind, offering 10% off British Airways flights booked with the card. Fuel savings of up to 3 cents per liter at Petro-Canada stations and earning points at Rexall Pharmacy enhance its appeal. Additionally, the free one-year DashPass subscription offers savings on food deliveries, providing more everyday value.

Fees and Interest Rates: The annual fee of $165 and supplementary card fee of $75 each are on the higher side, but the extensive travel benefits and rewards can justify these costs for frequent travelers. The purchase interest rate is 20.05%, and the cash advance rate is 22.99%, which are relatively standard.

Insurance Coverage: A strong suit of this card is its comprehensive travel insurance coverage. Cardholders are protected with emergency medical insurance, flight delay protection, hotel burglary insurance, and car rental insurance. This extensive coverage can provide peace of mind for travelers.

Final Verdict

The RBC British Airways Visa Infinite card is ideal for frequent travelers, particularly those who fly often with British Airways. The substantial welcome bonus, robust Avios points earning structure, and comprehensive travel insurance make it a valuable card for those meeting the income requirements and willing to pay the annual fee. However, for those who do not travel frequently or prefer a lower annual fee, other options might be more suitable.

Recommendation: This card is best for individuals who frequently travel with British Airways and can maximize the rewards and travel benefits. The comprehensive insurance coverage and additional perks like fuel savings and DashPass subscription add significant value. For those who fly less often or seek a lower-cost card, consider other travel or rewards credit cards.

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Disclaimer: Refer to the credit card official web page for the latest up to date 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.