RBC British Airways Visa Infinite
Churning cardWhat the roles mean
- Collecting Avios fast: 50,000 bonus Avios after $6,000 in 3 months, enough for a one-way flight to London (RBC)
Receive 50,000 bonus Avios – that's enough for a one-way Reward Flight to London from all Canadian destinations
Checked on RBC's own page October 23, 2026. See RBC's page
What it earns in a year
33,000 points a year
Worth about $165 after the $165 fee at the simplest redemption, up to $495 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Dining & restaurants (Restaurants, bars and fast food, incl. food delivery billed as a restaurant; no cap stated): 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 33,000 points a year: worth $330 the easy way, $660 the best way.
- Easy way (1¢): Paying toward a cash fare
- Best way (2¢): Short economy flights, which cost few Avios
Our estimate: no published chart to work from yet
How to apply for the RBC British Airways Visa Infinite
Check first
- Welcome offer not for switches: you can't get it by switching an existing RBC personal credit card to this one
- Check you qualify Income: $60,000 personal or $100,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on RBC's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on RBC's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer: spend $6,000 in the first 90 days. The Avios post about 15 weeks later
- Dining and food delivery: 2 Avios per $1
- British Airways: book direct with BA for 3 Avios per $1, and use ba.com/RBC10 for 10% off round trips from Canada (book by December 31, 2026)
- Everything else: 1 Avios per $1
- Redeeming: short-haul and partner economy flights give the best value; BA flights from Canada carry high cash surcharges
- Example: $800/month groceries + $250 gas + $250 dining + $300 bills = 22,200 Avios a year, worth $222–$444 if an Avios is worth 1–2¢ (our assumption), $57–$279 after the $165 fee
Key facts
- Annual fee
- $165
- Purchase interest
- 20.5%
- Foreign currency fee
- 2.5%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- Rewards
- British Airways AviosSee every British Airways Avios card
Annual fee waiver
- None
From rbcroyalbank.com product page, checked October 23, 2026. Not an affiliate link.
More RBC cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $568 a year after both fees, vs $165 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $723 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 50,000 Avios in the first 3 months, worth $500–$1,000 at 1–2¢
- The only card in Canada that earns Avios directly (RBC)
- 2 Avios per $1 on dining and food delivery
- Unlimited travel medical for the first 31 days of a trip (7 days at 65+)
- Companion Voucher after $30,000 a year, or 50% off the Avios on a solo reward flight
Cons
- $165 a year, charged in year one too (+ $75 per additional card)
- 1 Avios per $1 on most spending
- The RBC Avion Visa Infinite ($120) offers up to 70,000 Avion points that transfer 1:1 to Avios
- Companion Voucher still costs the companion's taxes and surcharges (RBC: about $870 for an economy Vancouver–London return)
- No trip cancellation or interruption cover
- Foreign-currency fee not shown on RBC's page (RBC's other cards charge 2.5%)
- Needs $60,000 personal or $100,000 household income
- No welcome offer if you switch in from another RBC personal card
Insurance included
- Travel medical: unlimited, first 31 days of a trip under 65 (7 days at 65+)
- Flight delay: $250 per person a day, up to $500, after 4 hours
- Delayed bags: $500 per person, after 4 hours
- Travel accident: $500,000
- Hotel burglary: $2,500
- Rental car damage: up to 48 days, cars up to $65,000 MSRP
- Purchases: 90 days of theft/damage cover, warranty doubled up to +1 year
Maximums as RBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- British Airways: 10% off BA round trips from Canada (book by December 31, 2026)
- Visa Infinite: Luxury Hotel Collection, Dining Series, 24/7 concierge
- Petro-Canada: save 3¢/litre and earn 20% more Petro-Points (link the card)
- Rexall: 50 Be Well points per $1
- DoorDash: 12 months of DashPass
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
How the offer has changed
One row per check of RBC's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 23, 2026 | 50,000 bonus Avios after $6,000 in net purchases in the first 90 days ("enough for a one-way Reward Flight to London from all Canadian destinations"); no dollar value claimedFirst capture. FX fee not stated on RBC's page | $165, not rebated yr 1 (+ $75 additional card) | none stated |
General information, not financial advice. Offers change; confirm on RBC's page before you apply.