The main difference between the American Express Cobalt and the RBC Avion Visa Infinite credit card lies in their rewards structure, fees, and standout benefits. While both offer enticing rewards, the Cobalt card leans towards a more personalized and flexible approach, with its Membership Rewards points geared towards travel and dining. On the other hand, the RBC Avion Visa Infinite focuses on a comprehensive travel rewards program, offering Avion points that can be redeemed for flights and other travel-related expenses.
When it comes to fees, the Cobalt card may have an annual fee, but it boasts various perks, including a monthly dining credit. The Avion Visa Infinite, while also carrying an annual fee, provides premium travel insurance coverage and concierge services that cater to frequent travelers.
In terms of introductory offers and bonuses, the Cobalt card often features a generous welcome bonus and ongoing monthly bonuses in select categories, making it an enticing option for those who spend frequently on dining and travel. Meanwhile, the Avion Visa Infinite frequently offers a substantial initial bonus and may provide flexibility in redeeming points for travel experiences.
Both cards share some similarities, such as the ability to transfer points to partner loyalty programs, but the American Express Cobalt and RBC Avion Visa Infinite each offer distinct features that cater to different preferences and spending habits. Whether you're seeking adaptable rewards or a focus on travel-related benefits, these credit cards present compelling options for Canadian consumers looking to optimize their spending.
 On website |  |
|---|---|
| Description | |
| Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation. | If you are a traveler that collects Avion points, then the RBC Avion Visa Infinite Credit Card is a good choice for you. |
| Basics | |
| Additional Cardholders | |
| 9 | 9 |
| Card Type | |
| American Express | Visa |
| Minimum Credit Limit | |
| N/A | N/A |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 15000 points | 35000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | N/A |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period. | N/A |
| Rewards | |
| Rewards Program | |
| American Express Rewards | Avion Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | No |
| Concierge Service Included | |
| Yes | No |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | 22.99% |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee | |
| N/A | N/A |
| Balance Transfer Limit | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 21.99% p.a. | 22.99% p.a. |
| Purchase Rate Ongoing | |
| 21.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $120.00 |
| Foreign Exchange Fee | |
| $2.50 | N/A |
| Foreign Exchange Fee Percentage | |
| N/A | 2.5% |
| Late Payment Fee | |
| $38.00 | N/A |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | Yes |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
