When you’re evaluating RBC journey bank cards, the RBC British Airways Visa Infinite could also be one to think about. With a $165 annual payment, a purchase order fee of 20.99%, and a money advance fee of twenty-two.99%, it’s price doing the maths: Can the rewards and advantages ship sufficient worth to offset the fee?
We’re taking a more in-depth have a look at what the cardboard presents, how a lot worth a typical cardholder might get from it, and whether or not it’s price including to your pockets.
What does the supply?
Since we’re weighing the $165 annual payment towards the worth of the cardboard, we began by specializing in advantages that make the cardboard helpful:
A beneficiant welcome bonus
When you utilized for and had been accredited for the RBC British Airways Visa Infinite card earlier than September 9, 2026, you possibly can earn a 30,000-point bonus for spending no less than $5,000 within the first 90 days of getting the cardboard. Then, you possibly can earn an extra 30,000 factors for spending no less than $5,000 within the following 90 days.
That’s a complete of 60,000 bonus Avios factors, only for utilizing the cardboard recurrently and conserving your account in good standing. As RBC factors out, that’s sufficient factors to guide a return reward flight to London from all Canadian locations.
The flexibility to earn Avios reward factors
Each buy you make with the RBC British Airways Visa Infinite earns no less than 1 Avios reward level per $1 spent on all different qualifying purchases, but it surely offers accelerated rewards in particular spending classes. Cardholders earn 2 Avios factors per $1 spent on eating and meals supply, and 3 factors per $1 spent on British Airways purchases.
What are you able to spend Avios factors on?
When you’ve collected Avios factors, you possibly can guide reward flights with British Airways or a oneworld alliance companion. When you don’t have sufficient factors to cowl a whole journey, pay on your journey with money and factors. You can too redeem factors for journey upgrades, lodge stays, rental automobiles, merchandise, and donations to sustainable aviation fuels.
Distinctive journey advantages and perks
As you may guess, this bank card offers particular British Airways advantages, like 10% off British Airways flights which are booked and paid for with the credit card. Cardholders additionally get a free companion voucher as soon as they spend $30,000 a year. Cardholders who don’t wish to journey with a companion can select to fly solo for a 50% low cost on the Avios fare of the reward seat ticket.
As a Visa Infinite card, it consists of these Visa Infinite Advantages:
- Entry to the Visa Infinite Luxurious Resort Assortment
- Reductions with Park n’ Fly, Viator, and Through Rail
- Discounted GigSky information plans
- Visa Infinite Eating Collection
- Wine nation advantages like excursions and tasting experiences
- 24/7 complimentary concierge
A complete journey insurance coverage package deal
This RBC Visa Infinite has the usual protection included with most bank cards: buy safety and prolonged guarantee, however frequent travellers will appreciate this coverage:
- $500,000 of journey accident insurance coverage
- 31 days of emergency medical protection
- Limitless emergency medical protection
- 7 days of emergency medical over age 65
- $500 of flight delay
- $500 of bags delay
- $500 of misplaced or stolen baggage
- $2,500 of lodge housebreaking
- Rental automotive theft and harm
As we’ll clarify in a minute, this insurance coverage solely provides worth to the bank card for those who truly need to file a declare and use the included protection.
Add-on companies
RBC offers cardholders the chance so as to add customized insurance coverage protection to the cardboard. These embrace: add-on journey insurance coverage, RBC Street Help, RBC BalanceProtector Max insurance coverage, and id theft and credit score insurance coverage.
Non-obligatory advantages with added worth
The RBC British Airways Visa Infinite companions with manufacturers you may already store at to supply further rewards like:
- Gas reductions at Petro-Canada. Hyperlink the cardboard and immediately save 3 cents per litre. Cardholders additionally earn 20% extra Petro Points.
- 3x the Triangle Rewards. Canadian Triangle customers earn further rewards by scanning their Triangle Rewards card and paying with the British Airways bank card.
- A free 12-month subscription to DashPass. With a free 12 months of DashPass and $0 supply charges on orders of $15+, common customers might see a profit price $120.
- Bonus Be Effectively factors at Rexall. Members of Rexall’s loyalty program can hyperlink playing cards to earn an extra 50 Be Effectively factors per $1 spent on the pharmacy.
Is it price it for you? Right here’s our math
Everybody’s spending and journey habits are totally different, so the worth you get from a journey bank card will rely upon how you employ it. To estimate the potential worth of the RBC British Airways Visa Infinite, we created a hypothetical cardholder and used this method:
Internet annual worth = estimated rewards worth + life like worth of advantages used − annual payment
You should utilize the identical strategy to estimate the cardboard’s worth on your personal spending and journey habits. Right here’s an instance to get you began.
For our hypothetical cardholder, we assumed an inexpensive quantity of on a regular basis spending on the cardboard, together with purchases that earn 1x and 2x Avios, plus no less than one British Airways journey per 12 months, which earns 3x Avios. We additionally appeared on the card over a number of years, so the welcome bonus is included within the first 12 months however not subsequent years.
| First 12 months having the cardboard | Second and subsequent years | |
|---|---|---|
| Annual spending | $20,040 primarily based on $1,670 spent per 30 days | $24,000 primarily based on $2,000 spent per 30 days |
| Avios earned | 33,080 plus 60,000 welcome bonus Avios = 93,080 factors | 40,000 factors |
| Estimated worth of Avios | $1,861.60 | $800 |
| Worth of advantages truly used | $808 in whole $72 Petro-Canada low cost (estimating 3 cents off a 60-litre fuel-up 3 times a month for a 12 months)
$736 companion voucher fare (estimated by subtracting taxes and charges from a return flight between Toronto and London) |
$974.44 in whole$72 Petro-Canada low cost$871 companion voucher fare (estimated by subtracting taxes and charges from a return flight between Toronto and Paris)
$31.44 GigSky eSim |
| Card worth: | $2,669.60 | $1,774.44 |
| – Annual payment | $165 | $165 |
| Estimated internet worth: | = $2,504.60 | = $1,609 |
Right here’s how we arrived at these numbers.
