RBC Avion Visa Infinite review

The card carries an annual fee of CAD 120, well above the site median of €0. Points and the travel perks only pay that back if spending is high, so lighter spenders should compare cheaper cards first.

The purchase APR runs 20.99% to 22.99%, close to the top of the site range, where the upper quartile is 25.64%. Clearing the balance each month matters, since interest at this rate quickly erases the value of any points earned.

Every dollar spent earns a point, and travel related purchases earn more than that base rate. Rewards are points based, and the card terms say Avion points never expire, so a balance held for a future trip keeps its value.

The listed perks include unlimited emergency medical insurance, travel accident insurance, and trip cancellation and trip interruption cover. An auto rental collision and loss damage waiver is also included, which can cut the cost of rental cover.

The perks also cover automatic Avion Rewards Elite membership, Visa Infinite hotel and dining benefits, round the clock Visa Infinite concierge, mobile device and purchase security insurance, and linked savings at Petro-Canada. A free DoorDash subscription is included too.

The card sits on the visa network and is issued by the Royal Bank of Canada, a bank based in Canada. It is a credit card, so balances revolve and interest applies whenever a balance is carried.

Support runs on phone and email, so phone and email are the listed routes for questions about the account, points or a disputed charge. The concierge service sits with the Visa Infinite benefits rather than general card servicing.

The CAD 120 fee is hard to justify without travel spending, since the strongest earn rate and most perks lean on travel. A card with an annual fee of £0, such as Wise, leaves more in the account for everyday use.