Annual fee
$399
Primary cardholder
Best RBC Avion Credit Cards in Canada
Avion value depends on how you redeem your points
Avion cards can offer flexible travel redemption options, but the best card depends on earn rates, annual fees, welcome offers, travel needs, and insurance. RateBuddy helps organize the details clearly.
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Compare Top Avion Cards
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Annual fee
$399
Purchase APR
20.99%
Cash advance
22.99%
RBC Royal Bank
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,500
Estimated rewards from spending
Based on $1,500 in monthly spending
$225
First-year annual fee
Fee charged during the first year
$399
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,326
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.25% | $67.50 |
| Dining | $300 | 1.25% | $45 |
| Gas and transit | $150 | 1.25% | $22.50 |
| Travel | $75 | 1.25% | $11.25 |
| Recurring bills | $75 | 1.25% | $11.25 |
| Other purchases | $450 | 1.25% | $67.50 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Avion Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$99
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120
Purchase APR
20.99%
Cash advance
22.99%
RBC Royal Bank
Best for
Travel Rewards
Student
Best for
Travel Rewards
Student
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,100
Estimated rewards from spending
Based on $1,500 in monthly spending
$180
First-year annual fee
Fee charged during the first year
$120
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,160
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Avion Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$120
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$48
Purchase APR
20.99%
Cash advance
22.99%
RBC Royal Bank
Best for
Student
Rewards
Best for
Student
Rewards
Welcome-offer value
The expired $150 published estimate was excluded
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$414
First-year annual fee
Fee charged during the first year
$48
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$366
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 3% | $108 |
| Gas and transit | $150 | 3% | $54 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 3% | $27 |
| Other purchases | $450 | 1% | $54 |
Estimate notes
- The published welcome-offer estimate was excluded because its expiry date has passed.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Avion Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$48
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
20.99%
Cash advance
22.99%
RBC Royal Bank
Best for
No Annual Fee
Student
Rewards
Best for
No Annual Fee
Student
Rewards
Welcome-offer value
The expired $75 published estimate was excluded
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$220.50
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$220.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 1% | $54 |
Estimate notes
- The published welcome-offer estimate was excluded because its expiry date has passed.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Avion Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$65
Purchase APR
20.99%
Cash advance
22.99%
RBC Royal Bank
Best for
Travel Rewards
US Dollar Cards
Best for
Travel Rewards
US Dollar Cards
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$180
First-year annual fee
Fee charged during the first year
$65
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$115
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Avion Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$65
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$30
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120
Purchase APR
20.99%
Cash advance
22.99%
RBC Royal Bank
Best for
Travel Rewards
Rewards
Best for
Travel Rewards
Rewards
Welcome-offer value
The expired $1,100 published estimate was excluded
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$225
First-year annual fee
Fee charged during the first year
$120
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$105
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
Estimate notes
- The published welcome-offer estimate was excluded because its expiry date has passed.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Avion Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$120
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$20$0
First year waived
Purchase APR
12.99%
Cash advance
12.99%
RBC Royal Bank
Best for
Low Interest
Best for
Low Interest
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$20
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
$20 first-year fee waiver applied
$20
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$20
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Avion Rewards
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $20 annually
Purchase APR
12.99%
Regular purchase rate
Cash advance APR
12.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
RateBuddy
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Rankings based on hard numbers (fees vs rewards), not advertising budgets.
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Why Choose a Credit Card?
Beyond simple convenience, the right credit card offers a layer of consumer protection, financial leverage, and rewards that debit cards or cash simply cannot match.
Zero Liability Protection
Canadian credit cards come with robust federal protections against unauthorized transactions. Unlike cash, which is gone forever if lost, or debit cards which are directly linked to your bank funds, a credit card offers a buffer. If your card is used fraudulently, you are generally not held liable for those charges once reported. This keeps your actual bank account safe and liquid while the bank investigates the issue. It provides peace of mind in an era of increasing digital fraud.
Value-Added Rewards
Every purchase you make is an opportunity to earn a return on your spending. Whether you prefer travel points, merchandise, or cash back, using a credit card allows you to get value back on expenses you were going to pay anyway. Over the course of a year, a standard 1-2% reward rate can accumulate into hundreds of dollars in free groceries or flights. It is effectively a discount on your entire lifestyle, provided you pay your balance in full. Why pay full price with cash when you can earn a rebate with credit?
Building Credit History
Your credit score is your financial passport in Canada, dictating your ability to rent apartments, get a mortgage, or finance a car. Responsible credit card use is one of the most effective and fastest ways to establish this history. By using a card and paying it off on time every month, you demonstrate reliability to future lenders. A long, positive history with a credit card accounts for a significant portion of your credit score calculation. Without this history, obtaining major loans later in life can be difficult or much more expensive.
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Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
SPEC SHEET
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Filter our database by the specific perks and coverages that matter to you.
ISSUERS
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LOYALTY PROGRAMS
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PAYMENT NETWORKS
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Filter by Visa, Mastercard, or Amex acceptance.
CARD LEVELS
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From entry-level options to exclusive black cards. Find the eligibility level that fits you.
KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top Avion Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
A cash advance occurs when you withdraw cash from an ATM using your credit card or transfer funds from the card to a bank account. These transactions typically incur a fee (e.g., $5) and interest starts accruing immediately (no grace period), often at a higher rate than purchases.
Providing your Social Insurance Number (SIN) is usually optional for credit card applications, though it can help the issuer verify your identity and locate your credit file more accurately. You can generally apply without it, provided you supply other identification details.
An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.
A hard inquiry (from a credit application) typically remains on your credit report for up to 36 months, though its impact on your credit score generally diminishes significantly after the first 12 months.
It can be, depending on your usage. Premium cards with annual fees often come with higher reward earn rates, comprehensive insurance, and perks like lounge access. If the value of the rewards and benefits you utilize exceeds the cost of the fee, the card may offer a positive net value.
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Visit our Financial Education Hub
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