"Is RBC Avion or TD First Class Travel Visa Infinite better?"

"The RBC Avion Visa Infinite ($120/year) is generally the stronger card — Avion points are more flexible than TD Rewards points, transferring to British Airways Avios, WestJet Dollars, and other programmes. TD First Class Travel ($150/year) earns more through the Expedia for TD portal. If you want flexibility to redeem points across multiple programmes, Avion wins. If you prefer booking all travel through the Expedia for TD portal and want a slightly higher earn on specific Expedia purchases, TD First Class may suit you."

"What can I do with RBC Avion points?"

"RBC Avion Rewards points can be redeemed through multiple channels: the RBC Rewards travel portal (1¢/pt for travel), transfer to British Airways Avios (1:1), transfer to American Airlines AAdvantage (varies), transfer to WestJet Dollars (1,000 Avion = $10 WestJet), transfer to Cathay Pacific Asia Miles, or convert to other RBC partner programmes. The flexibility to transfer to British Airways Avios is particularly useful for booking short-haul flights (e.g., within North America on American Airlines) at very low point costs."

"What can I do with TD Rewards points?"

"TD Rewards points redeem through Expedia for TD at approximately 0.5¢ per point for flights, hotels, and vacation packages. They can also be redeemed at 0.4¢ per point for gift cards, or 0.25¢ for other merchandise. Unlike RBC Avion, TD Rewards points cannot be transferred to airline loyalty programmes — what you earn is what you get through the TD portal. The Expedia for TD portal does offer competitive hotel and vacation pricing, and some points offer good value for package deals."

"Does RBC Avion have better travel insurance than TD First Class Travel?"

"Both the RBC Avion Visa Infinite and TD First Class Travel Visa Infinite include comprehensive travel insurance packages including emergency medical, trip cancellation, trip interruption, flight delay, lost baggage, and rental car coverage. The specific coverage limits and conditions may differ between RBC and TD. Both are mid-tier Visa Infinite cards with generally comparable insurance — review the current certificates of insurance for each card for exact limits before relying on either for travel."

"What is the income requirement for RBC Avion and TD First Class Travel?"

"Both RBC Avion Visa Infinite and TD First Class Travel Visa Infinite are Visa Infinite cards with a $60,000 personal or $100,000 household income requirement — standard for this tier. The RBC Avion Visa Infinite has a lower annual fee ($120 vs $150). If you do not meet the income threshold, RBC offers the Avion Visa Platinum ($110/year) with no income requirement but lower earn rates."

RBC Avion Visa Infinite vs TD First Class Travel Visa Infinite (2026)

Two mid-tier travel rewards Visa Infinite cards with different points ecosystems and earning structures. At the $120–$150 annual fee range, which one makes more sense for Canadian travellers?

Quick verdict: RBC Avion Visa Infinite — lower annual fee ($120 vs $150) and more flexible points that transfer to British Airways Avios make Avion the stronger card for most travellers.

Side-by-Side Comparison

Feature	RBC Avion Visa Infinite	TD First Class Travel Visa Infinite
Annual fee	$120	$150
Network	Visa Infinite	Visa Infinite
Income required	$60K personal / $100K household	$60K personal / $100K household
Points programme	Avion Rewards	TD Rewards
Earn — Everyday	1 Avion/$	Varies by TD Rewards tier
Earn — Travel (booking online)	1.25 Avion/$	Higher via Expedia for TD
Points value	~1¢/pt (portal) or Avios transfer	~0.5¢/pt (Expedia portal)
Transfer partners	British Airways Avios, WestJet, AA AAdvantage, Cathay	None
Travel insurance	✓ Comprehensive	✓ Comprehensive
Welcome bonus	Check current offer	Check current offer

Points Flexibility: Where Avion Wins

The defining advantage of RBC Avion over TD First Class Travel is transfer partner access:

Transfer Partner	RBC Avion Rate	Potential Value
British Airways Avios	1:1	High — short-haul awards
American Airlines AAdvantage	Varies	Transatlantic partners
WestJet Dollars	1,000 pts = $10 WJD	Simple 1¢/pt conversion
Cathay Pacific Asia Miles	Varies	Asia-Pacific routing

TD Rewards cannot be transferred to any airline programme. Points are trapped in the Expedia for TD portal at ~0.5¢/pt.

A booking example: using 40,000 British Airways Avios (transferred from RBC Avion), you can book a short-haul American Airlines flight for around 7,500–20,000 Avios — delivering far more value than 40,000 TD Rewards at $200 through the portal.

Annual Fee Comparison

Card	Annual Fee	Effective Savings with RBC
RBC Avion Visa Infinite	$120	—
TD First Class Travel	$150	$30 less with RBC

Over 5 years, the annual fee difference saves $150 in favour of RBC Avion.

Expedia for TD Advantage

TD First Class Travel cardholders do get meaningful value from the Expedia for TD portal:

Ability to earn extra TD Rewards on Expedia for TD hotel and vacation bookings
Access to Expedia’s travel inventory and pricing
Some exclusive hotel rates and bundled deals

If you regularly use Expedia to book hotels and vacation packages and want the portal-based experience, TD First Class Travel delivers a smoother ecosystem. RBC’s travel portal is less integrated with a major third-party platform.

Verdict

RBC Avion Visa Infinite is the better card for most Canadians:

$30 lower annual fee
Points transfer to British Airways Avios — unlocking value TD Rewards cannot
Greater flexibility for aspirational redemptions

TD First Class Travel suits dedicated Expedia for TD portal users already embedded in the TD banking ecosystem who value the Expedia integration over point flexibility.

Card details current as of June 2026. Verify with the issuer before applying. See our Advertiser Disclosure.