American Express Cobalt vs RBC Avion Visa Infinite Credit Card

By   |   Verified by David Boyd   |   Updated 17 Aug 2023

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.

American Express Cobalt Card
 

On website

RBC Avion Visa Infinite Credit Card
 
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
99
Card Type
American ExpressVisa
Minimum Credit Limit
N/AN/A
Maximum Credit Limit
N/AN/A
Sign up bonus
Signup Bonus Points
15000 points35000 points
Signup Bonus Points Required Spend
$750.00N/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 RewardsAvion Rewards
Domestic Rewards Points Earn Rate
11
Benefits
Airport Lounge Access Included
YesNo
Concierge Service Included
YesNo
Cardholder's International Travel Insurance
YesYes
Complimentary Flight Voucher Included
NoNo
Introductory balance transfer
Balance Transfer Rate
N/A22.99%
Balance Transfer Period
N/AN/A
Balance Transfer Fee
N/AN/A
Balance Transfer Limit
N/AN/A
Balance Transfer Revert Rate
N/AN/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
$2.50N/A
Foreign Exchange Fee Percentage
N/A2.5%
Late Payment Fee
$38.00N/A
Overseas ATM Withdrawal Fee
$5.00$5.00
Digital wallets
Apple Pay Enabled
YesYes
Google Pay Enabled
YesYes
Samsung Pay Enabled
YesYes
Eligibility
Available To Existing Customers
NoNo
Minimum Age
18 years18 years
Minimum Credit Rating
GoodGood
Minimum Income
N/A$60,000.00
Temporary Residents Accepted
NoNo