When it comes to finding the perfect travel credit card, the RBC Avion Visa Platinum stands out as a top contender. With a generous rewards program and a suite of benefits tailored to travelers, this card promises not only convenience but also significant value for those who frequently find themselves on the go.

In this article, we’ll delve into all the details you need to know about the RBC Avion Visa Platinum, from its fees to its standout features and beyond. Choosing a credit card can be daunting, but understanding what each option offers makes the decision easier. The RBC Avion Visa Platinum is designed with the traveler in mind, offering flexibility and rewards that can make your journeys more enjoyable and less costly.

Key information about the credit card

How does the annual fee work?

The RBC Avion Visa Platinum comes with an annual fee of $120, which is a standard cost for a travel rewards card in its class. While this fee might seem like a drawback at first glance, it’s important to consider the value you receive in return. For instance, the card offers 35,000 Avion points upon approval, which can be worth up to $750 in travel expenses. Additionally, if you decide to add an extra cardholder, there is an additional fee of $50 per card.

How is the credit limit determined?

The credit limit for the RBC Avion Visa Platinum is determined based on several factors, including your credit score, income, and overall financial health. When you apply for the card, RBC evaluates your creditworthiness to decide the appropriate limit. This ensures that the limit aligns with your ability to manage debt responsibly.

Advantages of the credit card

• Generous welcome bonus: Earn 35,000 Avion points upon approval, which can be redeemed for flights, hotel stays, and other travel expenses.

• Flexible rewards program: Earn 1 Avion point for every dollar spent on qualifying purchases, with no cap on the number of points you can accumulate.

• No blackout periods: Book flights at any time, even during peak seasons, without worrying about blackout dates or seat restrictions.

• Comprehensive travel insurance: Enjoy coverage for trip cancellation, trip interruption, and protection for eligible purchases and hotel belongings.

• Instant fuel savings: Save 3¢ per liter on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points.

Standout advantage

One of the standout advantages of the RBC Avion Visa Platinum is its travel flexibility. Unlike many other travel rewards cards that impose blackout periods or seat restrictions, this card allows you to book any flight, on any airline, at any time. This means you can use your points whenever it’s most convenient for you, ensuring you get the best possible value from your rewards.

Disadvantages

• Annual fee: The $120 annual fee might be a deterrent for some users.

• Higher interest rates: The purchase rate of 20.99% and cash advance rate of 22.99% are higher compared to some other cards.

• Additional card fee: There is an extra cost of $50 for each additional cardholder.

• Limited bonus categories: The card does not offer higher earning rates in specific categories such as groceries or gas.

A standout disadvantage

The primary disadvantage of the RBC Avion Visa Platinum is its higher interest rates. With a purchase rate of 20.99% and a cash advance rate of 22.99%, carrying a balance on this card can become expensive quickly. It’s crucial for cardholders to pay off their balance in full each month to avoid these high-interest charges, making it less suitable for those who may need to carry a balance over time.

Who can apply for this card?

To apply for the RBC Avion Visa Platinum, applicants must meet certain criteria. Firstly, you must be a resident of Canada and have reached the age of majority in your province or territory. A good to excellent credit score is typically required, reflecting a history of responsible credit use.

Additionally, having a steady income source is important, as it helps demonstrate your ability to repay the credit extended to you. While specific income thresholds are not disclosed, having a stable and sufficient income will bolster your chances of approval.

How to apply for the RBC Avion Visa Platinum card

For the website

To apply for the RBC Avion Visa Platinum card through the RBC website, follow these simple steps. First, visit the RBC credit card application page and select the RBC Avion Visa Platinum card from the list of available options. Click on the “apply now” button to begin your application. You will be prompted to fill in your personal information, including your name, address, and social insurance number. 

Additionally, you’ll need to provide details about your employment and income. Once all the necessary information is entered, review your application to ensure everything is correct. Submit your application and wait for a response, which typically takes less than 60 seconds. If approved, you will receive your new card in the mail within a few business days.

Through the app

Applying for the RBC Avion Visa Platinum card through the RBC mobile app is equally simple. First, download the RBC Mobile App from the App Store or Google Play Store if you haven’t already. Open the app and sign in using your RBC online banking credentials. Navigate to the credit cards section and select the RBC Avion Visa Platinum card.

Tap on the “apply now” button to start the application process. Similar to the website application, you’ll need to provide personal, employment, and income information. The app will guide you through each step, making the process quick and convenient. After submitting your application, you will receive an instant decision. If approved, your new card will be sent to your address on file.

At the branch

For those who prefer a more personal touch, applying for the RBC Avion Visa Platinum card at an RBC branch is a great option. Visit your nearest RBC branch and speak with a banking representative about your interest in the RBC Avion Visa Platinum card.

The representative will provide you with an application form to fill out, which will include sections for your personal details, employment information, and income. If you need assistance at any point, the representative will be there to help. Once you’ve completed the application, the representative will submit it on your behalf. The approval process is typically quick, and if approved, your new card will be mailed to you shortly.