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RBC British Airways Visa Infinite Card review

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RBC British Airways Visa Infinite Card
Welcome Offer
60,000 points
Rewards
Up to 1 point per $1 spent
Annual Fee
$165
Purchase Interest Rate
20.5%
Cash Advance Rate
22.99%
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Summary

Earn up to 60,000 Avios with the RBC British Airways Visa Infinite.
Earn 1 Avios for every $1 CAD you spend on qualifying purchases. If your application is approved, you’ll receive 15,000 bonus Avios points on the spot.

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Frequent travellers on board British Airways now have the opportunity to earn points every time they fly with the airline. The RBC British Airways Visa Infinite Card is a frequent flyer program that gives you all the bells and whistles of a premium Visa credit card. A special bonus offer of up to 60,000 Avios points is also available, provided you meet certain conditions.

Avios is a loyalty program offered by British Airways that lets you collect points and redeem them for holidays, flights, hotels and car rentals.

Find out if the RBC British Airways Visa Infinite Card is right for you.

30-second take

  • Consider getting this Visa if you travel British Airways frequently and want a card that will help you collect points faster.
  • The minimum personal income needed to enroll for this card is $60,000 and the minimum household income is $100,000.
  • You must be a Canadian resident and the age of majority in your province to apply for the card.

The basics

The RBC British Airways Visa Infinite Card offers premium membership services to frequent flyers on board Britain’s flagship airline. Earn up to 60,000 bonus Avios points, including 15,000 welcome bonus points upon approval. The remaining 35,000 points can be collected over the course of the year as you meet minimum spend requirements and renew your card. Plus, get another 10,000 bonus Avios after your first year.

As a travel rewards card, the RBC British Airways Visa Infinite lets you earn one Avios point for every dollar you spend. Eligible purchases aren’t just limited to British Airways travel, as you can use your card anywhere Visa is accepted. Keep in mind that you will earn double the rewards for booking a British Airways flight on your card.

The perks

  • Earn points. This RBC card lets you earn one Avios point for every dollar you spend. Bonuses are doubled when booking British Airways flights. These points can be redeemed for flights, vacations, hotels and other rewards.
  • Welcome bonus. Earn 1 Avios for every $1 CAD you spend on qualifying purchases. If your application is approved, you’ll receive 15,000 bonus Avios points on the spot.
  • Earn a companion voucher. Earn a companion voucher when you spend $30,000 annually (on qualifying purchases in a calendar year, which is the time period starting from January 1 and ending December 31) . You can either take a companion with you or instead fly solo for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking. Conditions apply.
  • Comprehensive insurance coverage. Emergency medical, trip protection, hotel and car rental are all protected under RBC’s comprehensive insurance.
  • Discounts. For a limited time, get 10% off British Airways flights when you book and pay with your card.
  • Redeem for flights and more. Spend your Avios on travel things, including cabin upgrades with British Airways or reward flights with British Airways and any of the oneworld partner airlines to almost 1,000 destinations worldwide.
  • Save on gas. Save 3¢/L on fuel at Petro-Canada and earn 20% more Petro and Avion points when you pay with your card and link your Petro-Points membership.
  • Earn Be Well points. Earn 50 Be Well points for every $1 you spend on eligible items at Rexall when you scan your Be Well card and pay with your RBC British Airways Visa Infinite.
  • Save on DoorDash. Get $0 delivery fees for 12 months from DoorDash.
  • Concierge. Get complimentary 24/7 Concierge Service.
  • Luxury Visa Infinite benefits. Get luxury benefits such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca .

What to watch out for

  • Fees. RBC’s British Airways Visa Infinite doesn’t come cheap. Primary cardholders must pay an annual fee of $165 and each additional card costs $75.
  • High barrier to entry. To be eligible for this card, you need to have a minimum personal income of $60,000. If you’re married, the minimum household income needed to apply is $100,000.
  • High interest rate. If you tend to carry a balance on your credit card, this RBC Visa card charges you 20.5% interest on purchases and 22.99% on cash advances.
  • Bonus points aren’t easy. If you want to earn the full 60,000 bonus rewards, it’ll cost you, as only 15,000 Avios are due upon approval. To get the remaining 45,000, you need to spend $6,000 in the first 3 months (unlocks 35,000 Avios) and renew your card after your first year (unlocks the remaining 10,000 Avios).

RBC British Airways Visa Infinite Card interest rates

Interest TypeInterest Rate
Purchase interest rate20.5%
Cash advance rate22.99%

What should I know before I apply

How to apply

  1. Visit the RBC British Airways Visa Infinite webpage.
  2. Click “Apply Now.”
  3. Fill out the standard credit card application, which should take five minutes to complete.

The bottom line

The RBC British Airways Visa Infinite is a good option for Canadian travellers who frequent the UK or fly British Airways often. If you’re in that category, this Visa card offers a competitive rewards program and universal acceptance at merchants worldwide. If you’re enticed by the bonus points, keep in mind that only 15,000 are available immediately and the rest will have to be earned over the next 12 months.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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