Network: Visa

Get an introductory interest rate of 2.99% with a 0% balance transfer fee for the first 6 months (22.99% thereafter; $49 annual fee).

  • Get 2% cash back on groceries, food delivery and food subscription services, and drugstore purchases
  • Get 2% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and rideshare trips
  • Get 2% cash back on eligible recurring bill payments such as utilities and the gym
  • Get 2% cash back on eligible subscriptions such as video streaming services or music streaming
  • Get 1% cash back on all other eligible purchases, with no cash back limit
  • New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery¹.
  • New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)¹.
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*Conditions apply. Rates, fees and other information are effective as of Oct 31, 2025. Subject to change.

Annual Fee
  • Primary card $49
  • Additional card $15
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Drugstores2%
Value
  • Year 1 $321
  • Year 2+ $321
Best For
Transfer Partners
  • Cash Back

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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Carte Visa Affaires Home Hardware PRO Scotia
Business Card
Learn More

Receive up to 7,500 bonus Scene+ points for the first three months (up to $75 in rewards).

  • Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
  • Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
  • Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
  • Use at any retailer where Visa is accepted.
  • Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

  • Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
  • Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

  • As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

  • Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
  • Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
  • Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
  • Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

  • Purchase Security Extended Warranty Protection
  • Optional Scotia Business Loan Protection Insurance
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All SpendingScene+ Point
  • GroceriesScene+ Point
  • GasScene+ Point
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Scene+

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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Get up to 55,000 Avion points1 (max travel value of $1,100), that’s up to 3 round trip flights ^.

Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months1. Apply by June 15, 2026.

  • Earn 1 Avion point for every dollar spent on purchases
  • No blackout periods or seat restrictions – ever!
Legal

**Visit the RBC page for the latest offer terms and coniditons

 

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • All Spending1Avion Point
  • Groceries1Avion Point
  • Gas1Avion Point
Value
  • Year 1 $1,144
  • Year 2+ $264
Best For
Transfer Partners
  • AAdvantageAsia MilesBritish Airways ClubRBC 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
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
Scotiabank Passport Visa Infinite Business Card
Business Card
Learn More
  • Earn up to $2,800* in first year savings and reward value, including no annual fee in your first year and up to 40,000 bonus Scene+ points with the Passport™ Visa Infinite Business* Card*
  • No Foreign Transaction Fee
  • 6 complimentary airport lounge visits per year
  • Comprehensive Travel Insurance coverage
Legal

*Conditions apply. Rates, fees, and other information are effective as of February 2, 2026. Subject to change.

Annual Fee
  • Primary card $199
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1.5Scene+ points
  • Groceries1.5Scene+ points
  • Gas1.5Scene+ points
Value
  • Year 1 $1,191
  • Year 2+ $401
Best For
Transfer Partners
  • Scene+

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
25 day(s)
Travel medical insurance up to 64 years old
10 day(s)
Travel medical insurance 65+
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • No annual fee
  • 8 Points per Dollar on Gas and EV Charging
  • 8 Points per Dollar on Grocery and Pharmacy Partner Locations
    (Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more)
Learn More

The More Rewards RBC Visa Infinite Card is not available to residents of Quebec.

Get up to 20,000 bonus More Rewards points: worth $30 in groceries!

8 Points per Dollar on Grocery and Pharmacy Partner Locations

  • Earn 8 More Rewards points for every dollar spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.

8 Points per Dollar on Gas and EV Charging

  • Earn 8 More Rewards points for every dollar you spend on gas or EV charging purchases when paying with your More Rewards RBC Visa Infinite credit card.

8 Points per Dollar on Dining

  • Earn 8 More Rewards points for every dollar you spend on dining purchases when paying with your More Rewards RBC Visa Infinite credit card.

4 Points per Dollar on All Other Purchases Anywhere You Shop

  • Earn 4 More Rewards points for every dollar you spend on every other purchase you make everywhere you shop with your More Rewards RBC Visa Infinite credit card.

Petro-Canada

  • Link your More Rewards RBC Visa Infinite Card to your Petro-Points™ card to save 3¢/L on gas at Petro-Canada™.

Purchase Security and Extended Warranty Insurance

  • It automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and the extended warranty doubles the original Canadian manufacturer’s warranty for up to one additional year, for a maximum of five years.

RBC Offers

  • Get exclusive savings, perks, and more with your More Rewards RBC Visa Infinite credit card.
Legal

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries8Points
  • Gas8Points
  • Dining and Food delivery8Points
Value
  • Year 1 $236
  • Year 2+ $206
Best For
Transfer Partners
  • More 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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No annual fee
  • 5X the points on gas and EV charging purchases
  • 5X the points on grocery and drugstore purchases
    (Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more)
Learn More

The More Rewards RBC Visa Infinite Card is not available to residents of Quebec.

Get up to 20,000 bonus More Rewards points: worth $30 in groceries!

5 Points per Dollar on Grocery and Pharmacy Partner Locations

  • Earn 5 More Rewards points for every dollar spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.

5 Points per Dollar on Gas and EV Charging

  • Earn 5 More Rewards points for every dollar you spend on gas or EV charging purchases when paying with your More Rewards RBC Visa credit card.

5 Points per Dollar on Dining

  • Earn 5 More Rewards points for every dollar you spend on dining purchases when paying with your More Rewards RBC Visa credit card.

3 Points per Dollar on All Other Purchases Anywhere You Shop

  • Earn 3 More Rewards points for every dollar you spend on every other purchase you make everywhere you shop with your More Rewards RBC Visa credit card.

Petro-Canada

  • Link your More Rewards RBC Visa to your Petro-Points™ card to save 3¢/L on gas at Petro-Canada™.

Purchase Security and Extended Warranty Insurance

  • It automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and the extended warranty doubles the original Canadian manufacturer’s warranty for up to one additional year, for a maximum of five years.

RBC Offers

  • Get exclusive savings, perks, and more with your More Rewards RBC Visa credit card.
Legal

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $169
  • Year 2+ $139
Best For
Transfer Partners
  • More 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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Earn up to 25,000 bonus points:

  • Get 20,000 points when you spend $1,500 in your first 3 months.*
  • Plus, earn up to 5,000 bonus points every year:
    • 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points*
    • 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months*
  • Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
  • Then get 1 point for every $2 spent on everything else!*
  • Profitez de trois mois d’adhésion à Instacart+ et d’un crédit Instacart mensuel de 5 $ lorsque vous vous inscrivez avec votre carte de crédit BMO admissible*
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months (2% fee applies to balance amounts transferred*)
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
  • Receive a discount on car rentals*
  • Purchase Protection*
  • Extended Warranty*
Legal

*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2.5Points
  • Dining and Food delivery2.5Points
  • Recurring Payments2.5Points
Value
  • Year 1 $384
  • Year 2+ $218
Best For
Transfer Partners
  • BMO 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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Transfer your points to airline partners
  • Premium Insurance
  • Access to VIP Lounges
Learn More

Earn up to 70,000 Avion* points (a travel value of up to $1,500). 70,000 Avion* points are enough for two round-trip tickets to almost anywhere in Canada and the U.S. (flights to Alaska and Hawaii require more points). Taxes and fees extra.

  • 35,000 Avion Points on approval*
  • 20,000 bonus points when you spend $5,000 in your first 6 months*
  • 15,000 one-time anniversary bonus points after 12 months of account opening*
  • Earn 1.25 Avion points for every dollar you spend.
  • Enjoy VIP travel benefits, including the Visa Airport Companion program, which offers you six visits from lounge per membership year for each cardholder registered on your account!
  • Plus, fast track security and other benefits at select airports.
  • Book flights on any airline, on any flight, at any time. You can also use your points to redeem for vacation packages, hotels, cruises and tours.
  • Pick any seat you want from 130+ airlines - with no seat restrictions or blackout periods, even during peak seasons.
  • Access more of the world with your 24/7 Visa Infinite Privilege Concierge
  • Avion Infinite Privilege card holders have access to book business or first class at a rate of 100 points for $2.
  • 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 Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars and British Airways Avios.
  • 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 Avion 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
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
  • Flexibility to book flights last-minute: up to 24hrs before.
  • Extensive insurance coverage : Mobile Device Insurance included – up to $1,500. Travel with ease with trip cancellation and trip interruption insurance, and emergency medical. Plus, eligible purchases made on the card are protected.

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 $15 or more when you pay with your eligible RBC credit card
Legal

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

*This offer applies only to new RBC Avion Visa Infinite Privilege credit card applications approved by Royal Bank of Canada (« Royal Bank »), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC Avion Visa Infinite Privilege credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions 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 and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750. You will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

Annual Fee
  • Primary card $399
  • Additional card $99
Annual Income Required
  • Individual $200,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • All Spending1.25Avion Points
  • Groceries1.25Avion Points
  • Gas1.25Avion Points
Value
  • Year 1 $1,441
  • Year 2+ $321
Best For
Transfer Partners
  • AAdvantageAsia MilesBritish Airways ClubRBC 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
31 day(s)
Travel medical insurance up to 64 years old
31 day(s)
Travel medical insurance 65+
7 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$3,000
rbc-avion-visa-infinite-business-card
Business Card
  • Transfer your points to airline partners
  • Visa Infinite Benefits
Learn More
  • Get 35,000 bonus points + first year annual fee waived upon approval
  • Earn 1.25 RBC Rewards points for every dollar in net purchases spent on your card, up to $75,000 per year
  • Enjoy access to over 1,200 airport lounges worldwide with a Priority Pass membership
Annual Fee
  • Primary card $175
  • Additional card $75
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1.25Avion Points
  • Groceries1.25Avion Points
  • Gas1.25Avion Points
Value
  • Year 1 $865
  • Year 2+ $305
Best For
Transfer Partners
  • RBC Avion Rewards - PremiumRBC Avion Rewards - Elite

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
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
RBC Avion Visa Business Card
Business Card
Learn More
  • Earn 20,000 Avion points on approval
Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1Avion Point
  • Groceries1Avion Point
  • Gas1Avion Point
Value
  • Year 1 $584
  • Year 2+ $264
Best For
Transfer Partners
  • RBC Avion Rewards - PremiumRBC Avion Rewards - Elite

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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • No Foreign Transaction Fee
  • Access to 40+ foreign currencies
  • Prepaid Card
Learn More
  • No annual fee
  • Hold and exchange 40+ currencies in your Wise account
  • Spend money in over 150 countries, withdraw cash from 2.3 million ATMs.
  • Convert currencies with market exchange rates and transparent, low fees.
  • View and manage your account in the Wise app
  • Freeze and unfreeze your card instantly
  • Spend any currency you hold in the account for free when you have enough balance
  • The automatic conversion feature ensures that you always pay the lowest possible charges when you spend currencies you don't have in your account.
  • Check your currency balances in the app – and get instant transaction notifications for security
  • It’s a debit card, not a credit card – easier to manage your budget without running up debts or incurring credit charges
Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0 %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Value
  • Year 1
  • Year 2+
Best For

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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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