RBC Avion Visa Platinum

RBC Avion Visa Platinum
Welcome Bonus
Up to 55,000 Points
Ends Nov 27, 2023
Annual Fee
$120
  • Transfer your points to airline partners
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
21.99 % (QC)
Balance Transfer Rates

Offer

  • Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean! (Taxes and Fees extra)
    • Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by November 27, 2023.
  • Earn 1 RBC Rewards point for every dollar you spend
  • No blackout periods or seat restrictions – ever!

Fees & Conditions

Personal Income $15,000
Household Income $15,000
Annual Fee $120
First Additional Card $50
Other Additional Card $50
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Cash Advance Rate (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Nov 27, 2023
Welcome Bonus amount Up to 55,000 Points
Minimum Spending Required $5,000
Minimum Spending Timeframe (Months) 3 month(s)
Transferable Points
Rewards Type Travel Rewards
Transfer Partners RBC Avion Rewards - Premium, RBC Avion Rewards - Elite
Loyalty Program RBC Avion Rewards - Elite

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 1 Point
Gas 1 Point
Dining and Food delivery 1 Point
Convenience Stores 1 Point
Drugstores 1 Point
Local Transport 1 Point
Travel 1 Point
Entertainment 1 Point
Recurring Payments 1 Point
Telecom/Internet 1 Point
Streaming services 1 Point
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Our review

*

Alternative Cards

  • Transfer your points to airline partners
  • Premium Insurance
  • Visa Infinite Benefits
Learn More
Best Credit Card with Flexible Rewards in 2023
  • Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean! (Taxes and Fees extra)
    • Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by November 27, 2023.
  • Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions. If there is a seat left on the chosen flight, you can fly, even in high season.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The RBC Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible RBC Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Travel1.25Points
  • All Spending1Point
  • Groceries1Point
Value
  • Year 1 $1,151
  • Year 2+ $271
Best For
Transfer Partners
  • Asia MilesBritish Airways Executive ClubRBC Avion Rewards - PremiumRBC Avion Rewards - EliteWestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Earn AVIOS Points
  • Premium Insurance
Learn More
  • Receive up to 60,000 bonus Avios points
  • 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 1 Avios for every $1 CAD you spend on qualifying purchases

Here’s how:

  • Step 1: Receive 15,000 Avios as welcome bonus upon approvalˆ
  • Step 2: 35,000 bonus Avios when you spend $6,000 CAD in the first 3 monthsˆ
  • Step 3: Another 10,000 bonus Avios when you renew your card after your first year
Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $165
  • Additional card $75
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.50 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Milesopedia Links
Earning Rate
  • All Spending1point Avios
  • Groceries1point Avios
  • Gas1point Avios
Value
  • Year 1 $1,093
  • Year 2+ $243
Best For
Transfer Partners
  • British Airways Executive Club

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
31 day(s)
Travel medical insurance up to 64 years old
31 day(s)
Travel medical insurance 65+
7 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Earn WestJet dollars on your purchases
  • Premium Insurance
  • Accepted at Costco
Learn More
  • Get up to 450 welcome WestJet dollars1– that could be up to $1,350 on travel saved in your first year2!
  • Receive a round-trip companion voucher – every year – for any WestJet destination starting from $119 CAD (plus taxes, fees, charges and other ATC).3 Get an annual round-trip companion voucher for any WestJet destination.
    • Travel within Canada or to the continental U.S. (excluding Hawaii), from $1193
    • Travel to Hawaii or Mexico from $3993
    • Travel to the rest of the WestJet network for $3993
    • Applicable on Economy fares. Plus taxes, fees and other ATC charge.
  • Or choose to exchange your annual round-trip companion voucher for 4 lounge vouchers7.
  • Get a Status Lift. Everyday purchases will bring you closer to achieving status with WestJet5 Tier status gives you more out of your travel experience with benefits such as: lounge access, priority services, advance seat selection, complimentary upgrades, and higher WestJet dollar earn rates when you fly with WestJet. Learn more at www.westjet.com/statuslift!

Save up to $1,350 on your next trip with the WestJet RBC World Elite Mastercard2

  • Step 1: Apply for a WestJet RBC World Elite Mastercard and get up to 450 welcome WestJet dollars (a value of up to $450) when you spend a minimum of $5,000 in the first 3 months on your card1.
  • Step 2: Book your trip with WestJet
    • Save $240 with free first checked bags4 for a family for 4 (traveling on the same reservation)1
    • Pay only $119 for the second guest using your annual World Elite round-trip companion voucher on flights within Canada or to the continental U.S. (plus taxes, fees and charges)7
  • Step 3: Save on your next trip2! That’s travel, made better.

Savings value calculated based on select round-trip Econo fare flights within Canada when using the companion voucher, free first checked bags for a family of 4, and for a limited time, 450 welcome WestJet dollars with minimum spend2.

  • First free checked bags for the primary cardholder on WestJet flights4 and up to 8 guests on the same reservation
  • Earn 1.5% back in WestJet dollars for everyday purchases you make on your card8
  • Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card8
  • Redeem your WestJet dollars toward all or part of a WestJet flight or WestJet Vacations packages9 — no blackout periods and your WestJet dollars don’t expire — to destinations across North America, Central America, the Caribbean and Europe.
  • Travel coverage including emergency medical insurance20 as well as trip interruption insurance21, hotel burglary18 and rental car insurance19. Even eligible purchases you make on the card are protected. Even eligible purchases you make on the card are protected.
  • Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel12 and always earn 20% more Petro-Points13 at Petro-Canada.
  • Free Boingo Wifi for Mastercard holders11 at over 1 million hot spots

Get $0 delivery fees for 12 months from DoorDash^ Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $119
  • Additional card $59
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1.5Points
  • Groceries1.5Points
  • Gas1.5Points
Value
  • Year 1 $691
  • Year 2+ $241
Best For
Transfer Partners
  • WestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
3 Milesopedia Rating