RBC Avion Visa Platinum review
- Get 35,000 welcome points, a value of up to $750. Perfect for your future travel plans, with points that do not expire.
- Earn 1 RBC Rewards point for every dollar you spend
- No blackout periods or seat restrictions – ever!
Earning is easy
Earn 1 RBC Rewards point for every $1 you spend on qualifying purchases2, plus earn bonus points through purchases at selected retailers using your RBC Rewards credit card.
Fly on your terms
Choose any airline, any flight, at any time. No blackouts or seat restrictions, even during peak seasons.
Choose your destination
Take a look at their Air Travel Redemption Schedule to see how many points you need. Flights start as low as 15,000 RBC Rewards points!
Save and Earn Faster with RBC Offers
Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.
Our experts have compiled a list of the best cards in Canada in each major category, from cash back and low rate to balance transfers and more. Explore our top picks and find the best credit card for you.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
Yes
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
Yes
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Vehicle rental insurance
Yes
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Travel accident insurance
Yes
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Travel medical insurance
Yes
- Annual Fee: $120
- Additional Card Fee: $50
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Redeem points for other great stuff
Including the latest Apple products, over 50,000 tech products at Best Buy, and an amazing selection of merchandise4, gift cards, RBC Rewards Financial vouchers and more.
Convert your points to other programs
Eligible RBC Rewards members can convert points to other loyalty programs including WestJet dollars and Hudson’s Bay Rewards points.
Payback with points
Use your RBC Rewards points toward your credit card balance.
A huge benefit to the RBC Avion Visa Platinum card is when you apply for the card, RBC will provide you with 35,000 points as a welcoming bonus which is worth approximately $750. That’s a great way to kick start your next vacation!
Cardholders continue to earn points when they make eligible travel purchases, which earn 1.25 points per dollar spent. Points can also be earned on all other purchases, but the rate is only one point per dollar spent. Other benefits of this card include travel insurance that covers you for things like trip cancellation, trip disruption, hotel or motel burglary and medical expenses; plus savings on gas at Petro Canada, shopping insurance, additional Petro Canada point earnings when cards are linked, ability to lock the credit card at any time and access to exclusive events.
Another notable benefit of this credit card is the flexible redemption policy with RBC travel points. The travel points can be redeemed through RBC Rewards bookings or can be transferred to other loyalty programs such as British Airways, WestJet, American Airlines or Cathay Pacfic Asia Miles. Before transferring your points, it’s wise to do some research to determine which provider you’ll get the most value out of. If travel isn’t your thing, points can also be used to purchase merchandise or pay down your RBC balance - but travel is the main attraction here!
While all of these benefits sound phenomenal, don’t forget about the $120 annual fee. Another disadvantage is the points to dollar ratio is average at best and there aren’t any opportunities to further your points earnings. Finally, RBC is one of Canada’s highly perceived banks, but they also have strict lending requirements making it challenging for some to access this credit card and its benefits.
Overall, the RBC Avion Visa Platinum has many benefits, especially for those who have caught the travel bug! Although, if you aren’t willing to spend a lot to earn the points you need for a vacation, this card might not be right for you.
Keep in mind that this card is a close cousin to one of RBC’s other credit card products, RBC Avion Visa Infinite. The only difference is there are no income requirements on the RBC Avion Visa Platinum card whereas the RBC Avion Visa Infinite does have minimum income requirements. If that piques your interest, check it out before registering for this card.
American Express Cobalt® Credit Card review 2024
Welcome Offer:
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In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to 15,000 points in a year.
American Express Cobalt® Card Income Requirements Many American Express credit cards have income range requirement to be eligible for the card however the Amex Cobalt Card doesn’t have a specific income requirement which mean that you could be approved for this credit card if you meet the requirements below: Credit score of 670+ You must be the age of majority. Canadian resident with a Canadian credit file.
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- Unlock special experiences with the Platinum Card®
- Earn 100,000 Membership Rewards® points - that’s $1,000 towards a weekend away
- New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
- Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership
- Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
- Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
- Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
- Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
- Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
- Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
- Transfer points 1:1 to several frequent flyer and other loyalty programs
- Enjoy complimentary benefits that offer an average value of $750 CAD at over 1,300 extraordinary properties worldwide when you book Fine Hotels + Resorts
- Platinum Cardmembers can enjoy access to special events and unique opportunities
- Enjoy premium benefits at the Toronto Pearson Airport
- You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
- Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
- Interest rate of 30% applies to each delinquent Due in Full charge. The Preferred rate of 20.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
HSBC World Elite® Mastercard® Review 2023
With the HSBC World Elite Mastercard you earn 6 points for $1 in Net Purchanses which are Travel Purchases, 4 Points for $1 in Net Purchases that are Gas, Grocery and Drugstore Purchases and 2 Points for $1 in Net Purchases, other than Travel, Gas, Grocery and Drugstore Purchases.
Save on all your fore
Special offer: Earn up to 50,000 points* ($250 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year* ($149 value) and receive a $100 annual travel enhancement credit*. Must apply by September 29, 2023. Conditions apply.
o Welcome bonus of 20,000 points* ($100 travel value)
o Earn 40,000 points* when you spend $6,000 within 6 months of account opening ($200 travel value)
o Earn 20,000 points* as an anniversary bonus ($100 travel value)
o First year annual fee rebate for the primary cardholder* ($149)
o Receive a $100 annual travel enhancement credit*
Enjoy maximum flexibility and redeem your Points on your terms for:
Travel
Gift cards and valuable merchandise
Financial rewards
Rewards for miles
This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
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No foreign transaction feesSave on all your foreign currency purchases (even online) with no additional foreign currency conversion charges. Only the exchange rate will apply.
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HSBC World Elite Rewards ProgramEarn 3% in travel rewards on all eligible travel purchases(6 Points per $1) and 1.5% in travel rewards on all other eligible purchases(3 Points per $1).
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
