Head to Head: TD First Class Travel Visa Infinite vs RBC Avion Visa Infinite

We base our analysis on the main differences between these two credit cards:

The comparison table

Here are both cards side by side, as of October 20, 2026. We then go through each point in detail.

Welcome offer

Both offers are generous, but they are structured differently. TD pays almost everything after a spending threshold; RBC pays a large chunk on approval and holds the last part until your first anniversary.

The TD First Class Travel^® Visa Infinite* Card offers up to 160,000 TD Rewards Points, plus a first-year annual fee rebate:

• 20,000 points after your first purchase on the card;
• 140,000 points after $7,500 in purchases within 180 days of account opening.

At 0.5¢ per point, those 160,000 points are worth about $800 on Expedia For TD. The $139 fee rebate comes on top.

For its part, the RBC Avion Visa Infinite Card offers up to 70,000 Avion points on applications submitted by November 25, 2026:

• 35,000 points on approval;
• 20,000 points after $5,000 in purchases within the first six months;
• 15,000 points on the first account anniversary.

At 1.7¢ per point, the Milesopedia valuation, those 70,000 points are worth about $1,190. The $120 annual fee, however, is not waived.

Earning points

This is where the gap opens up. TD boosts several everyday categories; RBC keeps an almost flat earn structure.

Earn rates

The TD First Class Travel^® Visa Infinite* Card earns TD Rewards Points:

• 8 points per dollar on travel booked through Expedia^® For TD;
• 6 points per dollar on groceries, restaurants and public transit;
• 4 points per dollar on recurring bills, streaming, gaming and digital media;
• 2 points per dollar on all other purchases.

The RBC Avion Visa Infinite Card earns Avion points:

• 1.25 points per dollar on eligible travel purchases;
• 1 point per dollar on all other eligible purchases.

At TD, each bonus category is capped at $25,000 in purchases per year. Beyond that, the rate drops to 2 points per dollar. RBC has no such cap, since it has no everyday bonus category.

The real return per dollar

The two currencies are not worth the same: 0.5¢ per TD Rewards Point versus 1.7¢ per Avion point, based on our valuations. Here is the return in cents per dollar.

The TD card wins on groceries, restaurants, bills and Expedia For TD bookings. The RBC card takes the lead on every purchase that falls outside a bonus category.

Point value

This is the heart of the matchup. TD offers a simple, steady value; RBC offers a higher value that takes a bit of method.

TD Rewards: 200 points for $1

On the Expedia For TD portal, 200 TD Rewards Points are worth $1 toward a flight, hotel, car rental or package, with no blackout dates or seat restrictions. That is the basis of our 0.5¢ valuation. You know what your points are worth before you even search for a trip.

Outside the portal, the value drops:

• Travel credit to your account, for a trip booked elsewhere: 0.4¢ per point;
• Statement credit, gift cards or merchandise: about 0.25¢ per point.

Our Expedia For TD guide explains how to book at the best rate.

Avion: three ways to use your points

The RBC Avion Visa Infinite Card gives you Avion Elite status, which opens three options. The first is the flexible chart: 100 points are worth $1 toward any travel purchase, or 1¢ per point.

The second is the fixed-points Air Travel Redemption Schedule. RBC sets the number of points by zone, with a maximum ticket price before taxes, for a round trip:

• 15,000 points: short-haul getaways, ticket up to $350;
• 35,000 points: Canada and the United States, ticket up to $750;
• 45,000 points: vacation destinations such as Mexico or the Caribbean, depending on departure, ticket up to $900;
• 55,000 points: longer getaways, ticket up to $1,100;
• 65,000 points: Europe, ticket up to $1,300;
• 100,000 points: Asia, Oceania, Africa and South America, ticket up to $2,000.

When the ticket costs close to the cap, each point is worth 2¢ to 2.33¢. When it costs less, the value drops. Our analysis of Avion point value covers each tier.

The third option is transferring to airline programs: British Airways (Avios), Cathay Pacific (Asia Miles), American Airlines (AAdvantage) and WestJet Rewards. Our Avion points transfer tutorial covers the ratios and steps.

What it means for you

If you want to book a trip without thinking about what your points are worth, TD Rewards is more predictable: 200 points equal $1, anywhere on the portal. Avion rewards effort instead. A reader who targets the fixed chart or transfers gets far more per point; a reader who uses the flexible chart gets 1¢.

A one-year example

Take a household that spends $24,000 a year on a single card:

• Groceries and restaurants: $12,000;
• Recurring bills: $2,400;
• Travel booked outside Expedia For TD: $3,000;
• Other purchases: $6,600.

For this profile, the TD card comes out ahead every year after the first, even with Avion points valued at 1.7¢. The reason is simple: most of the spending lands in its 6- and 4-points-per-dollar categories.

In the first year, the gap flips slightly. The Avion welcome bonus, valued at 1.7¢, is larger than TD's and covers its annual fee. For this profile, the two cards end the first year nearly even.

The result changes if most of your spending falls outside the bonus categories. On $24,000 of miscellaneous purchases, with no groceries or bills, the second-year net value becomes:

• RBC Avion Visa Infinite Card: about $288, with points valued at 1.7¢;
• TD First Class Travel^® Visa Infinite* Card: about $225, including the travel credit and the birthday bonus.

Annual fees

The TD First Class Travel^® Visa Infinite* Card costs $139 a year, rebated in the first year for the primary cardholder. The first additional card costs $50 and the following ones are free.

The RBC Avion Visa Infinite Card costs $120 a year, with no rebate. Each additional card costs $50.

From the second year on, the annual TD travel credit brings the real cost of the TD card down to $39. You do, however, need to book an eligible trip of $500 or more on Expedia For TD each calendar year.

Income requirement

Both cards require the same income: $60,000 personal or $100,000 household. The purchase interest rate differs slightly, at 21.99% for TD and 20.99% for RBC. Both cards also charge a 2.5% foreign transaction fee.

Insurance

Both cards offer a full package, with a few differences. The TD card's emergency medical coverage lasts 21 days, or 4 days from age 65, up to $2,000,000. At RBC, it lasts 15 days, or 3 days from age 65, and RBC states it has no maximum benefit.

For baggage, the TD card covers more: $1,000 for a delay and $1,000 for a loss, versus $500 each at RBC. On the other hand, RBC covers mobile devices better. Everything else is identical, from trip cancellation to car rental. Exact terms are in the TD and RBC certificates of insurance.

Airport and perks

The TD card includes 4 complimentary visits a year to more than 1,200 airport lounges through the Visa Airport Companion Program. The RBC Avion Visa Infinite Card offers no lounge access.

The TD card also adds a birthday bonus equal to 10% of the points earned over the previous 12 months, up to 10,000 TD Rewards Points. Its $100 travel credit applies to the first eligible booking of $500 or more made on Expedia For TD in a calendar year.

RBC makes up for it with everyday partnerships: 3¢ per litre in savings at Petro-Canada with 20% more points, bonus Be Well points at Rexall, a 12-month DashPass subscription and Hertz discounts.

The verdict by profile

No single answer suits everyone. Here are four distinct profiles.

The TD client or the RBC client

You already do your banking with TD or RBC. In that case, your own bank's card makes account management and payments simpler. That practical point should not outweigh the others, though, if your spending clearly leans one way.

The traveller who transfers points

You enjoy hunting for the best award flights and transferring your points to Avios or Asia Miles. In that case, the RBC Avion Visa Infinite Card serves you better. Its points transfer, and its fixed chart can top 2¢ per point. TD Rewards Points, on the other hand, do not transfer to any airline program.

The traveller who books everything on a portal

You want to book a flight or a hotel like on any other site, with no math. The TD First Class Travel^® Visa Infinite* Card is the clear pick: its 6 points per dollar on groceries and restaurants, its fixed value on Expedia For TD, its 4 lounge visits and its 21-day medical coverage make it the easiest card to get value from.

The strategist who holds both

Nothing stops you from keeping both. Put groceries, restaurants and bills on the TD card, then everything outside those categories on the RBC card. You build TD Rewards Points for simple trips and Avion points for high-value tickets.

Conclusion

So which card wins the TD First Class Travel vs RBC Avion matchup? For most households, the TD First Class Travel^® Visa Infinite* Card earns more day to day. Its bonus categories more than make up for the lower value of its points, and it adds lounge access, longer medical coverage and a first-year fee rebate.

That said, the RBC Avion Visa Infinite Card remains the best option for anyone who transfers points or targets the fixed chart. Its welcome offer, valid until November 25, 2026, is also more generous at Milesopedia valuations.

To compare with the rest of the market, see our best credit cards page, our best travel credit cards or our full review of the RBC Avion Visa Infinite Card.

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Frequently asked questions about TD First Class Travel vs RBC Avion

Here are the questions we get most often about these two cards.