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Tweets by RewardsCanada LATEST TOPICS & NEWSREWARDS CANADA'S TOP FEATURES
It has been a few years since we last had a credit card showdown but are ready to make it an ongoing feature here on Rewards Canada! The first showdown of our newly reincarnated series sees two of the most popular premier cards in Canada go head to head! This showdown is between the CIBC Aventura Visa Infinite Card and the RBC Visa Infinite Avion card!
In the showdown we look at a half a dozen criteria to compare the cards against one another along with a head to head detailed table comparison. Card Type
|
CIBC Aventura Visa Infinite Card | RBC Visa Infinite Avion Card | |||
---|---|---|---|---|
Points Required | Maximum Ticket Value | Points Required | Maximum Ticket Value | |
Short Haul Canada/US | 10,000 - 20,000 | $400 | 15,000 | $350 |
Long Haul Canada/US | 25,000 - 35,000 | $800 | 35,000 | $750 |
Hawaii, Mexico & Alaska from Western Canada | 40,000 - 60,000 | $1,000 | 45,000 | $900 |
Hawaii, Mexico & Alaska from Eastern Canada | 40,000 - 60,000 | $1,000 | 55,000 | $1,100 |
Bermuda, Caribbean, Central America from Western Canada | 40,000 - 60,000 | $1,000 | 55,000 | $1,100 |
Bermuda, Caribbean, Central America from Eastern Canada | 40,000 - 60,000 | $1,000 | 45,000 | $900 |
Europe | 50,000 - 70,000 | $1,300 | 65,000 | $1,300 |
Rest of the World | 75,000 - 125,000 | $2,000 | 100,000 | $2,000 |
As you can see, they are very similar and you can tell that they have modelled after each other in the redemption schedules here. Are there any clear winners? Not by a long shot but overall I would give the edge to the CIBC Aventura Visa Card. The reason why is that they don't actually have one flat rate for each category. If you are buying a short haul flight that has a cash value of only $150, you are likely only redeeming 10,000 points for it whereas the RBC Visa Infinite Avion will see you redeeming 15,000 points for it. Then you also have to take into account that the CIBC card has better earn rates overall so you have actually spent less on your credit to get the point level requirement. For example if we take the $150 ticket above and make the redemption equal between the two, that is 15,000 points for either program, you can spend as little as $7,500 (assuming all is spent on travel via CIBC) on the CIBC card to get to 15,000 points whereas the RBC Visa Infinite Avion card requires no less than $12,000 on spending (assuming all is spend on any travel).
The CIBC card also wins out on what is probably the most popular redemption and that is long haul flights within Canada or to the U.S.. If you max out the redemption at 35,000 points for CIBC you can get a ticket worth up to $800, RBC with the same amount of points will only get a maximum value of $750.
Further Reading: Not all Travel Points and Hybrid Credit Cards are created equal
The only category where the RBC Avion card really has the advantage is a Rest of World flight as they only require 100,000 points versus CIBC's 125,000 for flights that approach $2,000 in value. But again, that's not taking into account CIBC's better earn rate which could make these two cards equal in this category based on your actual spending. Again, I need to reiterate to everyone reading this that when it comes to any reward program you need to look at both sides of the equation, the earn and the burn. If you only look at one side, you may be shooting yourself in the foot. I recommend reading our 2013 article Remember people it's all about the EARN and the BURN to see examples of what can happen when you don't take both earning and redeeming into account.
Further Reading: How to maximize value out of the RBC Avion Airline Award Chart
There is another travel redemption option that is available on the RBC Visa Infinite Avion card and that is its option to convert points to other loyalty programs. You can convert points from RBC Avion cards to American AAdvantage, British Airways Executive Club, Cathay Pacific Asia Miles, WestJet Rewards and Hudson Bay Rewards. This added flexibility is nice to have - especially if you are a member of any of those programs or can make use of them. Although despised by many, frequent flyer programs like British Airways Executive Club can provide some huge out-sized value out of your points when you compare to using the points via the card's proprietary program. Frequent flyer programs can easily provide you with returns much higher than the 2.3% maximum provided by the RBC Rewards program when you redeem for business or first class flights. However you do have to be flexible in your travel patterns in terms of dates, flight routes and more as there are definitely more restrictions to the programs. That being said the 1:1 transfer ratio from RBC to BA is highly coveted and even more so when they run their up to 30% bonus several times per year giving you 1.3 Avios for every 1 RBC Rewards point. Consider this, during most of times of the year, you can redeem 26,000 Avios for a round trip flight on Aer Lingus between Toronto and Dublin. If you take the 30% transfer bonus that means it only takes you 20,000 RBC Rewards points to get that flight. Want to redeem for the same flight via RBC Rewards using their Avion redemption rates? You would need to redeem 65,000 points! That's 3 flights and some change with British Airways Executive Club
The last factor to look at when comparing these cards are the benefits and insurance that come with them. Insurance is relatively easy to compare as both cards are almost equal except for a couple small differences. The CIBC card offers slightly better flight delay insurance while the RBC Visa Infinite Avion offers slightly better baggage delay insurance however CIBC will cover damages to bags while RBC will not. The CIBC card also has a slight edge in Trip Interruption insurance but then the cards are equal in all other insurance categories.
It is the non-insurance benefits where one card stands out against the other and that card is the CIBC Aventura Visa Infinite Card. It includes a NEXUS application credit once every four years and since NEXUS renews every five years, you won't have to pay your fee (typically US$50) for it as long as you have this card. Then it has one other huge benefit over the RBC Visa Infinite card and that is access to business class lounges. The Aventura card gives free basic membership to Priority Pass, the world's largest third party lounge access program. That annual membership typically costs US$99 per year but the benefit doesn't stop there. CIBC also throws in four annual lounge passes, which means you save the US$32 fee for accessing any of those lounges four times per year. So whether you travel alone and visit four lounges in the span of a year or only travel once but with your family of four, you can all get in for free once per year using these passes. You can clearly see the winner in this category is the CIBC Aventura Visa Infinite Card.
Further Reading: Rewards Canada's Guide to Business Class Lounge Access
This is one showdown where there isn't a clear winner. Actually, let me rephrase that, there are clear winners but it depends on your redemption patterns or wants. If you have no need to convert points to programs like British Airways, WestJet and so forth, the winner in this showdown is clearly the CIBC Aventura Visa Infinite Card thanks to its better earn rates and travel benefits like the NEXUS credit and business class lounge access. If do you like the idea of having more flexible points and want to have as many options for your points possible - whether it's redeeming via the credit card's reward centre or converting points to other programs, the winner is the RBC Visa Infinite Avion card. The ability to convert to British Airways and WestJet primarily make RBC Rewards points very valuable and that's not even taking into account the bonuses they add in several times per year when you do convert your points!
CIBC Aventura Visa Infinite Card (if you don't need point conversion options)
RBC Visa Infinite Avion Card (if you like point conversion options)
Yellow background indicates the clear winner for that category. For rows that do not have yellow in either column it is a tie between the cards.
Feature |
CIBC Aventura Visa Infinite Card |
RBC
Visa Infinite Avion |
---|---|---|
Card Type | Travel Points | Hybrid / Flexible Points |
Annual
Fee |
$120 |
$120 |
Supp.
Card Fee |
$50 |
$50 |
Interest
Rate |
19.99% Purchase † 22.99% Cash Advance † |
19.99% Purchase 22.99% Cash Advance |
Foreign
Exchange Transaction Fee |
2.5% |
2.5% |
Minimum
Income |
$60,000
Personal or $100,000 Household |
$60,000
Personal or $100,000 Household |
Minimum
Credit Limit |
N/A |
N/A |
Reward Miles/Points Earning |
CIBC Aventura Visa Infinite Card |
RBC Visa Infinite Avion |
Welcome
Bonus |
20,000 Points |
15,000 Points |
Renewal
Bonus |
0 |
0 |
Earning Ratio |
2 points per dollar on travel purchased through the CIBC Rewards Centre† 1.5 points per dollar at gas stations, grocery stores and drugstores† 1 point per dollar on all other purchases† |
1.25 Points per dollar on travel 1 Points per dollar |
Bonus
Features |
NEXUS application credit once every 4 years |
N/A |
Redemption/Exchange Options |
CIBC Aventura Visa Infinite Card |
RBC Visa Infinite Avion |
Miles/Points
deposited to |
CIBC Rewards |
RBC Rewards |
Travel
Agency Redemption Value |
up
to 2.28% on flights per the Aventura Flight Rewards Chart
(e.g. 10,000 to 20,000 pts = short-haul flight worth up to $400) or 1,000 Points = $10 for other travel |
up
to 2.3% on flights as per the Avion Air Travel Redemption Schedule
(e.g. 15,000 pts = short-haul flight worth up to $350) or 1,000 Points = $10 for other travel |
Exchange
Options |
N/A |
1 Point = 1 Mile on British Airways or Cathay Pacific 1 Point = 0.7 American AAdvantage Miles 100 Points = 1 WestJet Dollar |
Redemption
Centre |
CIBC Rewards |
RBC Rewards |
Benefits |
CIBC Aventura Visa Infinite Card |
RBC Visa Infinite Avion |
Common Carrier Travel Accident Insurance |
$500,000 |
$500,000 |
Flight
Delay Insurance |
4 hours $500 per person |
4 hours $250 per person |
Delayed Baggage Insurance |
6 hours $500 per person |
4 hours $500 per person |
Lost / Stolen Baggage Insurance | Yes up to $500 |
Yes up to $500 |
Damaged Baggage Insurance | Yes up to $500 |
No |
Trip
Cancellation Insurance |
Yes $1,500 per person up to $5,000 maximum per account |
Yes $1,500 per person up to $5,000 maximum per account |
Trip
Interruption Insurance |
Yes $2,000 per person |
Yes $1,500 per person up to $5,000 maximum per account |
Travel Medical Insurance up to 64 years old | 15 Days | 15 Days |
Travel Medical Insurance 65+ |
3 Days |
3 Days |
Auto
Rental/Loss Damage Insurance |
Up to $65,000 MSRP |
Up to $65,000 MSRP |
Hotel / Motel Burglary Insurance | Yes Up to $2,500 |
Yes Up to $2,500 |
Purchase
Protection |
Yes 90 Days |
Yes 90 Days |
Price
Protection |
No |
No |
Extended
Warranty Plan |
Yes |
Yes |
Free
Companion Air Ticket |
No |
No |
Business
Class Lounge Access |
Yes Priority Pass Membership + 4 Free Lounge Visit Passes |
No |
Priority
Check In |
No |
No |
Link
to Apply |
||
Notes: |
N/A |
N/A |
Related: RBC Visa Infinite Avion Review / RBC Visa Infinite Avion Resources on Rewards Canada
Below are latest and most up to date offers and details for these cards:
Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
Annual Fee: $120 | Additional Card Fee: $50 | 20.99% on purchases 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec.
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.