Ratesopedia

Pros

  • Welcome Bonus: 35,000 points
  • Purchase protection included
  • Travel medical insurance included

Cons

  • High annual fee ($175/yr)
  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Our Review

*

Rewards

All Spending

1.25x

RBC Avion Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

1.5¢/ point
0.75¢4.5¢
Groceries1.25x
$400/month
Restaurants1.25x
$160/month
Gas1.25x
$300/month
Recurring1.25x
$300/month
All other spending1.25x
$700/month

Points Earned

27,900

RBC Avion Rewards/yr

Estimated Value

$419

After Fees

+$244

1st Year Value

$769

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 1.25x6,000 pts
Restaurants$1,920/yr × 1.25x2,400 pts
Gas$3,600/yr × 1.25x4,500 pts
Recurring$3,600/yr × 1.25x4,500 pts
All other spending$8,400/yr × 1.25x10,500 pts
Total annual spend$22,320
Monthly spend$1,860
Average earn rate1.25x
Total points earned27,900 pts

Travel Insurance

Travel Medical

Included

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $5,000

Hotel Burglary

Up to $2,500

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Mobile Device

Up to $2,000

Auto Rental

Up to $65,000 / 48 days

Interest Rates

  • Purchase Rate
    19.99%
  • Cash Advance
    22.99%
  • Foreign Transaction Fee
    2.5%

Perks & Benefits

Concierge Service

24/7

Eligibility

Personal Income

$60,000

Household Income

$100,000

Terms & Conditions

Card Features

  • Get 35,000 bonus points + first year annual fee waived upon approval
  • Earn 1.25 RBC Rewards points for every dollar in net purchases spent on your card, up to $75,000 per year
  • Enjoy access to over 1,200 airport lounges worldwide with a Priority Pass membership

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 RBC. All trademarks are property of their respective owners.