RBC British Airways Visa Infinite: earn Avios on every purchase
The RBC British Airways Visa Infinite credit card is designed for Canadian travellers who fly with British Airways or its oneworld partners and want to earn Avios on their spending.
RBC says it’s the only credit card in Canada that earns Avios, the loyalty currency of British Airways. You can redeem Avios for flights, seat upgrades, hotel stays and other rewards.
In this guide, we’ll look at the card’s advantages, limitations, fees and more. Keep reading!
Pros and cons of the RBC British Airways Visa Infinite
Before you decide, take a moment to see what sets this card apart and what to watch out for.
Advantages
This card offers several benefits for travellers:
- Earn 3 Avios for every dollar you spend on British Airways purchases, 2 Avios on dining and food delivery, and 1 Avios on all other qualifying purchases;
- Get 10% off British Airways flights every time you book and pay with your card;
- Spend $30,000 on the card in a year to earn a Companion Voucher, which lets you take a companion with you, or fly solo with a 50% discount on the Avios fare of your reward seat;
- Redeem Avios for Reward Flights on British Airways or any oneworld partner airline, to almost 1,000 destinations;
- The card includes travel and purchase insurance: travel accident, out-of-province/country emergency medical, delayed baggage, flight delay, hotel/motel burglary, auto rental collision/loss damage waiver, purchase security and extended warranty;
- Access Visa Infinite benefits, such as 24/7 concierge service, the Visa Infinite Luxury Hotel Collection and a complimentary GigSky data plan.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Disadvantages
Here are some limitations to consider:
- The card has a $165 annual fee, plus $75 for each additional card;
- The purchase rate is 20.50% and the cash advance rate is 22.99%;
- You need a personal income of at least $60,000 or a household income of at least $100,000;
- A 2.5% foreign currency conversion fee applies, which matters for a travel card if you often spend in other currencies;
- The Companion Voucher requires $30,000 in annual spending, and Avios are mainly useful if you fly with British Airways or oneworld airlines.
Fees and rates
Here’s an overview of the main charges tied to the RBC British Airways Visa Infinite credit card:
- Annual fee: $165;
- Annual fee for additional cards: $75;
- Purchase rate: 20.50%;
- Cash advance rate: 22.99%;
- Foreign currency conversion fee: 2.5%;
- Over-limit fee: $29;
- Dishonoured payment: $45.
Other fees, such as cash advance and statement copy fees, may apply. See the card’s disclosure information for details.
Rates and fees checked on September 22, 2026, against the official RBC website. Confirm current terms on the RBC website before applying.
About the bank
The Royal Bank of Canada (RBC) is one of Canada’s largest financial institutions.
It offers bank accounts, credit cards, mortgages, loans, investments and insurance, along with educational resources to help clients manage their money.
To report a lost or stolen card, you can call RBC at 1-800-769-2512 in North America, or call collect at 1-514-392-9167 from outside North America.
Mobile app
You can manage your RBC British Airways Visa Infinite credit card through the RBC Mobile app.
With it, you can pay bills, set up mobile payments and see your transactions. You can also lock your card or report it lost or stolen.
To check your Avios balance, use your British Airways Club account at ba.com or in the British Airways app.
Opinion about the RBC British Airways Visa Infinite
The RBC British Airways Visa Infinite credit card can be a good option for Canadian travellers who fly often with British Airways or oneworld airlines.
The Avios earn rates, the 10% discount on British Airways flights, the Companion Voucher and the included insurance can add value for this type of traveller.
However, consider the $165 annual fee, the income requirement and the 2.5% foreign currency fee. If you rarely fly with British Airways or its partners, a more flexible travel rewards card may be a better fit.
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Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with RBC or British Airways. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of the Royal Bank of Canada. Finvyu Editorial Team.