Network: Visa

Get a total of up to 80,000 Aventura Points (up to $1,600 in travel value) during your first year:

  • 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods
  • 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods.
  • 30,000 Aventura Points as an additional anniversary bonus
  • Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $250 value
  • Get a $200 annual Travel Credit
  • Plus, get 2 NEXUSTM Application Fee rebates4: a $100 value.
Legal

†Conditions Apply

Annual Fee
  • Primary card $499
  • Additional card $99
Annual Income Required
  • Individual $150,000
  • 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 Spending1.25Aventura Points
  • Groceries1.25Aventura Points
  • Gas1.25Aventura Points
Value
  • Year 1 $1,061
  • Year 2+ $101
Best For
Transfer Partners
  • CIBC Aventura

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
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
10 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
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500

Get up to 60,000 Aviosˆ with the RBC® British Airways Visa Infinite Card

Receive up to 60,000 Aviosˆ, here’s how:

  • Step 1: Receive 15,000 Avios as welcome bonus upon approval
  • Step 2: 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months
  • Step 3: Another 10,000 bonus Avios after your first yearˆ

Benefits:

  • Earn 3X Avios when you shop with British Airways and BA Holidays*
  • Collect 2 Avios for every $1 CAD you spend on Grocery, Dining and Food Delivery Purchases*
  • Collect 1 Avios for every $ CAD you spend on all other qualifying purchases*
  • 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.˜
  • 10% off British Airways flights when you book and pay with your card∞
  • Redeem for travel on British Airways and oneworld partner airlines**
  • Comprehensive insurances including 31–day out of country/province emergency medical insurance1, flight delay insurance2, hotel burglary3 and rental car4 insurance. Even eligible purchases you make with the card are protected3.
  • Luxury Visa Infinite benefits5 such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca
  • Complimentary 24/7 Concierge Service5
  • 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 British Airways Visa Infinite 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
  • Add your eligible RBC credit card to your DoorDash account to: Get a free 12-month subscription to DashPass±, a value of up to $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

ˆ To receive the 15,000 Avios welcome bonus, your application form must be approved by Royal Bank of Canada. Please allow up to 10 weeks after receipt of your card for the 15,000 Avios 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 once you are approved for the RBC British Airways Visa Infinite card. Please note that the 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. The 35,000 Avios bonus 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 (approximately 3 months from the date your account is opened), provided your credit card account is in good standing at the time you reach $6,000 CAD in qualifying transactions. Qualifying transactions 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. Please allow up to 15 weeks after meeting this eligibility requirement for the additional 35,000 bonus Avios points to be posted to your Executive Club account. 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. This welcome bonus is 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 on qualifying purchases on their card in a calendar year (“calendar year” refers to the time period starting from January 1 and ending December 31) will receive a maximum of one Companion Voucher for that calendar year. See ba.com/rbc-visa for full 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 %
Earning Rate
  • Groceries2Avios
  • Dining and Food delivery2Avios
  • All Spending1Avios
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
  • 5X points on groceries, gas, dining and transit
  • $50 Annual Credit
  • Visa Infinite Benefits
Learn More
Best credit card for gas and transit in 2023
  • Welcome offer : Get up to 70,000 points worth $467 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $637 value achieved by your first anniversary!
  • Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
  • Get 1 BMO Reward for every $1 spent on everything else*
  • Get a $50 Anniversary Lifestyle Credit to spend however you want*
  • Earn 10% more points when you add an authorized user to your account*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1
Legal

*Terms and conditions apply

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

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 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,072
  • Year 2+ $365
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
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • 2% in BONUSDOLLARS for eligible purchases made in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
  • 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
  • 0.5% in BONIDOLLARS on your other purchases
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2Points
  • Local Transport2Points
  • Entertainment2Points
Value
  • Year 1 $203
  • Year 2+ $203
Best For
Transfer Partners
  • Desjardins Bonusdollars

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
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 2% cash back at grocery stores
  • 0.5% on everything else
  • 1.99% interest on balance transfers for first six months
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 21.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • All Spending0.5%
  • Gas0.5%
Value
  • Year 1 $192
  • Year 2+ $192
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
  • 3% cash back at grocery stores
  • 2% cash back on travel (flights, hotels, Airbnb, and cruises)
  • 1% cash back on everything else
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 19.99 %
  • Cash Advance Rates 21.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries3%
  • Travel2%
  • All Spending1%
Value
  • Year 1 $473
  • Year 2+ $233
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
  • 4% in BONUSDOLLARS for purchases in the Restaurant, Entertainment, and Public Transit categories
  • 3% in BONUSDOLLARS on purchases in the Travel category (up to $25,000 in purchases during the year – beyond that, the earning rate drops to 1.75%)
  • 3% in BONUSDOLLARS for your purchases in the Grocery category
  • 1.75% in BONIDOLLARS on your other purchases
Annual Fee
  • Primary card $395
  • Additional card $95
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 11.9 %
  • Cash Advance Rates 12.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery4Points
  • Entertainment4Points
  • Groceries3Points
Value
  • Year 1 $549
  • Year 2+ $549
Best For
Transfer Partners
  • Desjardins Bonusdollars

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
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance

Use it to earn it

  • 2 points on Gas, Grocery, Travel and Transportation
  • 2 points on Recurring Payments
  • 1 point on everything else

Earn up to $600 in points

  • Earn up to 60,000 bonus points when you spend $6,000 in the first six months.

No annual fee for 2 years

Save $130 on the first year’s annual fee when you activate your card and make a first purchase. Plus, we’ll refund the $130 annual fee for the second year when you spend $15,000 within the first year.

Get up to $150 in bonus points

Here’s how you can earn more points:

  • Up to 10,000 bonus points worth $100 when you add 2 authorized users; and
  • 5,000 bonus points worth $50 when you set up a pre-authorized payment within the first 6 months.

Grab an extra $140 in points

Here’s how you can earn more points:

  • Up to 10,000 bonus points worth $100 when you set up 2 instalment plans within the first 6 months;
  • 2,000 bonus points worth $20 when you sign up for Assur-Payment™ within the first 6 months; and
  • 2,000 bonus points worth $20 for each friend or family member you refer.
Annual Fee
  • Primary card $130
  • 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 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Local Transport2%
Value
  • Year 1 $1,107
  • Year 2+ $247
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
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,000
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Use it to earn it

  • 2% cash back on Gas and Grocery
  • 2% cash back on Recurring Payments
  • 1% cash back on Everything Else

No annual fee for 2 years

Save $65 on the first year’s annual fee when you activate your card and make a first purchase. Plus, we’ll refund the $65 annual fee for the second year when you spend $10,000 within the first year.

Earn up to $400 in cash back

  • In the first 6 months, you’ll earn $400 in cash back when you spend $4,000 in net purchases.

Get up to $170 more in cash back

Here’s how you can earn more cash back:

  • $50 in cash back when you set up a pre-authorized payment within the first 6 months;
  • Up to $100 cash back when you set up 2 instalment plans within the first 6 months; and
  • $20 in cash back when you sign up for Assur-Payment™ within the first 6 months.
Annual Fee
  • Primary card $65
  • 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 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Recurring Payments2%
Value
  • Year 1 $355
  • Year 2+ $295
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

Use it to earn it

  • 1 point on Gas and Grocery
  • 1 point on Recurring Payments
  • 0.5 point on everything else

Earn up to $20 in points

  • Earn 2,000 bonus points worth $20 when you make your first net purchase with your card in the first 3 months.

Earn up to $100 in points

  • In the first 6 months, you’ll earn 10,000 bonus points when you spend $4,000 in net purchases.

Get up to $80 in bonus points

Here’s how you can earn more points:

  • 2,000 bonus points worth $20 when you set up a pre-authorized payment within the first 6 months;
  • Up to 4,000 bonus points worth $40 when you set up 2 instalment plans within the first 6 months; and
  • 2,000 bonus points worth $20 when you sign up for Assur-Payment™ within the first 6 months.
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 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Recurring Payments1%
Value
  • Year 1 $258
  • Year 2+ $138
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

No annual fee for the second year.

We’ll refund the $30 annual fee for the second year when you spend $8,000 within the first year after activating the card.

Earn up to $100 in points

In the first 6 months, you’ll earn 10,000 bonus points when you spend $4,000 in net purchases.

Get up to 8,000 bonus points.

Here’s how you can earn more points:

  • 2,000 bonus points worth $20 when you make your first net purchase with your card in the first 3 months;
  • 2,000 bonus points worth $20 when you set up a pre-authorized payment within the first 6 months;
  • 2,000 bonus points worth $20 when you refer a friend or family member; and
  • 2,000 bonus points worth $20 when you sign up for Assur-Payment™ within the first 6 months.

Transfer and save

Transfer your credit card balance and get 0.99% interest for 6 months.

Annual Fee
  • Primary card $30
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.49 %
  • Cash Advance Rates 13.99 %
  • Balance Transfer Rates 12.49 %
Earning Rate
  • All Spending0.00%
  • Groceries0.00%
  • Gas0.00%
Value
  • Year 1 $70
  • Year 2+ $-30
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

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