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RBC Avion vs BMO
Comparison
July 31, 2025

RBC Avion vs BMO

Choosing between RBC Avion and BMO rewards programs requires careful consideration of your spending habits, travel preferences, and financial goals. These two major Canadian banking rewards systems offer distinct advantages that appeal to different types of consumers. The right choice depends largely on whether you prioritize maximum travel value or straightforward redemption options with minimal complexity.

What Makes These Rewards Programs Different?

RBC Avion and BMO rewards represent two distinct approaches to credit card loyalty programs in Canada. Avion focuses primarily on travel enthusiasts who want to maximize point values through strategic redemptions and airline transfers. This program offers impressive flexibility with redemption options that can yield values up to 2.33 cents per point when used optimally for travel bookings.

BMO rewards takes a more straightforward approach with consistent but generally lower point values. Their system appeals to consumers who prefer simplicity and predictability over complex optimization strategies. The program typically offers around 0.67 cents per point in value regardless of how you redeem, making it easier to understand but potentially less rewarding for travel-focused cardholders.

Both programs connect to their respective bank's ecosystem of financial products, creating opportunities for loyal customers to maximize benefits. Your decision should ultimately reflect your financial priorities, spending patterns, and willingness to navigate redemption complexities for potentially greater rewards.

How Points Are Earned With Each Program

Point accumulation varies significantly between these two rewards systems. RBC Avion cards typically offer 1 to 1.25 points per dollar on standard purchases, with accelerated earning rates for travel-related spending categories. This structure rewards frequent travelers who can quickly build substantial point balances through regular travel purchases.

BMO cards generally feature simpler earning structures with flat rates across most spending categories. While this approach makes earnings more predictable, it typically results in fewer opportunities to accelerate point accumulation through category bonuses. Most BMO cards offer around 1 point per dollar on general purchases without the same level of category enhancement found in the Avion program.

The difference becomes particularly noticeable for consumers who spend heavily in travel categories. Avion's bonus multipliers can significantly boost overall earnings for these individuals, while BMO's flatter structure might appeal more to those with diverse spending patterns across many categories.

Point Redemption Value Comparison

The true value of any rewards program lies in what your points can actually buy. RBC Avion points shine brightest when redeemed for travel, especially through their fixed points flight program where values can reach up to 2.33 cents per point on certain routes. This high ceiling makes Avion particularly attractive for those willing to strategically plan their redemptions.

BMO points typically redeem at a consistent rate around 0.67 cents per point regardless of how they're used. While this predictability eliminates guesswork, it also caps the maximum value you can extract from your rewards. For a $500 flight, you might need significantly more BMO points compared to optimally-redeemed Avion points.

Transfer partnerships represent another crucial difference between these programs. Avion points can transfer to several airline loyalty programs at favorable ratios, potentially unlocking even greater value for international or premium cabin bookings. BMO lacks comparable transfer options, limiting flexibility for travel enthusiasts seeking maximum value from their points.

Credit Card Options That Power Each Program

The credit cards associated with each rewards program ultimately determine how quickly you'll earn points and what additional benefits you'll receive. Both banks offer multiple card options with varying annual fees, earning structures, and perks.

Premium Travel Cards Worth Considering

RBC's flagship Avion Visa Infinite card represents their core travel offering with robust earning potential and comprehensive benefits. This card typically earns enhanced points on travel purchases while providing strong travel insurance coverage, access to exclusive deals, and flexible redemption options without blackout dates. The annual fee reflects its premium positioning but can be justified through frequent use of its travel benefits.

BMO's Eclipse Visa Infinite competes in the same premium space but with a different value proposition. This card generally carries a lower annual fee than comparable RBC products while offering decent everyday earning rates. However, direct comparisons suggest the travel rewards potential falls short of what RBC Avion provides, with an estimated annual rewards difference exceeding $250 in favor of Avion for similar spending patterns.

Premium business versions of these cards exist for entrepreneurs and business owners who want to earn rewards on company expenses. RBC's business offerings typically maintain the strong travel focus of their consumer counterparts, while BMO business cards tend to emphasize simplicity and integration with business banking services.

Entry-Level and Specialized Card Options

Both banks offer entry-level cards for consumers seeking rewards with lower annual fees or simplified structures:

  • RBC Avion Visa Classic: Provides access to the Avion program with reduced annual fees and fewer premium perks
  • RBC Low Rate options: Focus on interest savings while still earning some Avion points
  • BMO CashBack cards: Offer straightforward cash rewards rather than travel-focused points
  • BMO AIR MILES cards: Connect to the popular AIR MILES loyalty program instead of BMO Rewards

Student and starter cards represent another important segment where BMO has traditionally maintained a strong presence. These products help younger consumers build credit history while earning modest rewards. The simplified earning and redemption structures make them appropriate for those new to credit cards, though they naturally offer less robust travel benefits than premium options.

Travel Insurance and Protection Benefits

Travel coverage represents a significant value-add for premium cards in both programs. RBC Avion cards typically include comprehensive protection packages covering:

  • Trip cancellation/interruption: Reimbursement for non-refundable expenses if your trip is cancelled or cut short
  • Emergency medical coverage: Protection against unexpected medical costs while traveling
  • Baggage delay/loss protection: Compensation for delayed or lost luggage
  • Travel accident insurance: Coverage for accidents during transportation

BMO premium cards also offer travel insurance benefits, though coverage limits and specific protections may differ from RBC's offerings. When comparing cards, it's essential to review the detailed insurance terms to ensure they align with your typical travel patterns and risk tolerance.

Maximizing Value From Each Rewards Program

Getting the most from either program requires understanding its strengths and aligning your redemption strategy accordingly. Strategic approaches differ significantly between these two rewards systems.

Strategic Redemption Techniques

RBC Avion rewards can deliver exceptional value when redeemed thoughtfully. The fixed points flight program offers particularly strong value for shorter flights, where redemptions can reach the program's maximum value of 2.33 cents per point. This approach works best for travelers who:

  1. Plan trips well in advance to secure available reward seats
  2. Remain flexible with travel dates to maximize point value
  3. Target specific routes where the fixed points chart offers optimal value
  4. Consider transferring points to airline partners during bonus promotions

BMO rewards follow a more straightforward redemption path with fewer optimization opportunities. The consistent redemption rate means you'll get predictable value regardless of how you use your points. This simplicity appeals to consumers who prefer:

  1. Hassle-free redemption without complex calculations
  2. Flexibility to use points for various travel expenses beyond just flights
  3. The option to convert points to cash equivalents when needed
  4. Minimal time investment in managing and optimizing rewards

Your personal preferences regarding complexity versus simplicity should guide your program choice. Those willing to invest time in understanding redemption options typically extract more value from Avion, while those preferring convenience might be happier with BMO's straightforward approach.

Transfer Partners and Bonus Opportunities

Airline transfer partners represent a significant advantage for RBC Avion members seeking maximum value. Points can transfer to several major airline programs at favorable ratios, including:

  • British Airways Executive Club: Access to Oneworld alliance redemptions
  • Cathay Pacific Asia Miles: Strong options for Asian travel
  • WestJet Rewards: Valuable for domestic Canadian travel
  • American Airlines AAdvantage: Extensive North American coverage

These transfer options unlock potentially higher values, especially for international premium cabin bookings where cash prices are high. Transfer bonuses occasionally increase this value further by offering extra points when converting from Avion to partner programs.

BMO rewards lack comparable transfer partnerships, limiting their flexibility for travel enthusiasts. This represents one of the most significant disadvantages for travelers comparing the two programs, especially those interested in international premium cabin redemptions where transfer partners typically deliver the highest value.

Additional Perks That Enhance Card Value

Beyond points earning and redemption, both programs offer supplementary benefits that can significantly impact overall value. These extras often justify annual fees for frequent users.

Airport Lounge Access and Travel Enhancements

Premium RBC Avion cards typically include valuable airport benefits that enhance the travel experience:

  • Priority Pass memberships: Access to hundreds of airport lounges worldwide
  • Visa Airport Companion Program: Discounted lounge access at additional locations
  • Expedited security at select Canadian airports: Faster processing through security lines
  • Concierge services: Assistance with travel arrangements and reservations

BMO premium cards also offer some travel enhancements, though generally less extensive than RBC's offerings. The specific benefits vary by card tier, with higher-fee products providing more comprehensive perks. These extras can significantly improve travel comfort and convenience, especially for frequent international travelers who regularly experience airport delays.

The value of these benefits depends entirely on your travel frequency and preferences. Occasional travelers might struggle to justify premium card fees based on lounge access alone, while frequent flyers could easily recoup the cost through regular use of these facilities.

Shopping Protection and Lifestyle Benefits

Both programs extend protection beyond travel to enhance everyday purchases. Common benefits include:

  • Extended warranty coverage: Doubles manufacturer's warranty on eligible purchases
  • Purchase protection: Insurance against damage or theft shortly after purchase
  • Price protection: Refunds price differences if items go on sale after purchase
  • Return protection: Coverage when merchants won't accept returns

These protections add meaningful value for consumers who regularly make significant purchases using their credit cards. The specific coverage limits and eligibility requirements vary between programs and individual cards, making it important to review the fine print before relying on these benefits for major purchases.

Lifestyle perks represent another dimension of card value beyond points and protection. Premium cards in both programs may offer:

  • Dining benefits: Special access to restaurant reservations or events
  • Entertainment perks: Pre-sale ticket access or exclusive event invitations
  • Retail partnerships: Bonus points or discounts with specific merchants
  • Annual travel credits: Statement credits for eligible travel purchases

These extras can significantly enhance the overall value proposition, especially for cardholders whose lifestyle aligns with the specific perks offered.

How To Choose Between RBC Avion and BMO Rewards

Your ideal rewards program depends on personal preferences, spending patterns, and travel habits. Consider these factors when making your decision:

Matching Programs To Your Spending Patterns

Analyze your typical monthly expenses to determine which program might reward your spending more generously. RBC Avion typically offers stronger returns for consumers who:

  • Spend heavily in travel categories where bonus points apply
  • Make large purchases that benefit from enhanced purchase protection
  • Travel frequently enough to utilize airport lounges and travel insurance
  • Are willing to strategically plan redemptions to maximize point value

BMO rewards might better suit individuals who:

  • Prefer predictable, straightforward rewards without complex optimization
  • Value lower annual fees and simpler program structures
  • Don't travel frequently enough to justify premium travel perks
  • Appreciate the ability to easily convert points to cash equivalents

Your spending volume also matters significantly. Higher spenders can more easily justify premium card annual fees through accumulated rewards and benefits. Lower spenders might find better value in cards with reduced or waived annual fees, even if the earning rate is slightly lower.

Considering Your Travel Frequency and Style

Travel habits should heavily influence your program choice. Frequent travelers, especially those who fly internationally or in premium cabins, typically extract substantially more value from RBC Avion through:

  1. Higher point values for strategic flight redemptions
  2. Valuable transfer partnerships with international airlines
  3. Comprehensive travel insurance that reduces the need for separate policies
  4. Airport lounge access and other travel enhancements

Occasional travelers or those who primarily take domestic trips might find BMO's simpler approach more suitable. The predictable redemption value eliminates the need to master complex award charts or transfer strategies, while still providing reasonable returns on everyday spending.

Your preferred travel style also matters. Those seeking luxury experiences like business class flights or high-end hotels might benefit more from Avion's higher potential point values and transfer options. Budget-conscious travelers might prefer BMO's straightforward approach that allows easy redemption against any travel purchase.

Why Your Banking Relationship Matters

Your existing banking relationship can significantly impact the overall value proposition of either rewards program. Both banks offer relationship benefits that enhance the appeal of their respective rewards systems.

Integration With Banking Products

RBC customers may find additional value through integration with other banking products. The bank occasionally offers bonus Avion points for opening new accounts, setting up direct deposits, or establishing automatic bill payments. These bonuses can accelerate point accumulation beyond what's possible through credit card spending alone.

BMO similarly rewards existing customers through various relationship bonuses and fee waivers. Their integrated banking approach sometimes includes preferential rates or reduced fees for customers who maintain multiple products with the bank. These savings can offset annual card fees or enhance the effective return on rewards.

Both banks also offer online banking platforms that integrate credit card management with other financial accounts. This unified approach simplifies tracking expenses and managing rewards, creating a more seamless experience for customers who consolidate their banking relationship with one institution.

Annual Fee Considerations and Waivers

Annual fees represent a significant consideration when evaluating overall program value. Premium RBC Avion cards typically carry higher fees than comparable BMO products, reflecting their enhanced earning potential and more robust benefits. These fees can sometimes be waived or reduced for:

  • Customers with premium banking packages
  • Those who maintain minimum balance requirements
  • Military personnel or seniors (through specific programs)
  • During promotional periods for new applicants

BMO similarly offers fee waiver opportunities, though the specific requirements differ. When calculating the net value of either program, remember to factor in any applicable annual fees after accounting for potential waivers based on your banking relationship.

The breakeven analysis differs for each consumer based on spending patterns and benefit utilization. Higher spenders who frequently use travel benefits can more easily justify premium card fees, while moderate spenders might find better value in cards with reduced annual costs.

Which Rewards Program Delivers Better Long-Term Value?

Determining which program offers superior long-term value requires honest assessment of your financial habits and travel aspirations. The answer varies significantly based on individual circumstances.

For Frequent Travelers and Point Maximizers

Dedicated travelers who prioritize maximum point value will typically find RBC Avion more rewarding over time. The program's strengths include:

  • Higher potential point values through strategic redemptions
  • Valuable airline transfer partnerships for international travel
  • Comprehensive travel insurance and airport benefits
  • More opportunities to accelerate point earning through category bonuses

These advantages compound over time for frequent travelers, potentially delivering thousands of dollars in additional value compared to simpler programs. The complexity requires more active management but rewards those willing to invest time in understanding optimal redemption strategies.

Point maximizers who enjoy researching award charts and transfer opportunities will appreciate Avion's flexibility. The program rewards those who approach points as a hobby rather than merely a passive benefit, offering substantial value for engaged users who optimize their redemptions.

For Casual Users Seeking Simplicity

Consumers who prefer straightforward rewards without complexity will likely find BMO's approach more satisfying. The program's advantages for casual users include:

  • Predictable redemption values without complicated calculations
  • Lower annual fees on comparable card tiers
  • Simpler program structure requiring less active management
  • Flexible redemption options including cash equivalents

These benefits appeal to busy consumers who want reasonable rewards without dedicating significant time to program optimization. The lower ceiling on point values is offset by reduced complexity and management requirements, creating a more accessible experience for casual users.

The simplicity extends to redemption processes, with BMO offering straightforward options that don't require extensive research or planning. This approach better suits consumers who view rewards as a nice bonus rather than a primary motivation for their credit card choice.

Making Your Canadian Rewards Program Decision

Selecting between RBC Avion and BMO rewards ultimately requires honest assessment of your priorities and habits. Consider these practical steps when making your decision:

  1. Calculate your typical monthly spending across major categories
  2. Estimate how frequently you travel and your typical destinations
  3. Determine how much time you're willing to invest in optimizing rewards
  4. Review the specific card options available within each program
  5. Consider your existing banking relationships and potential fee waivers

Remember that the "best" program varies based on individual circumstances. What works perfectly for a frequent international traveler might prove frustrating for someone who rarely leaves their province. Your ideal choice should align with your actual habits rather than aspirational travel plans that may never materialize.

Both programs offer legitimate value when used appropriately. RBC Avion delivers exceptional returns for engaged users willing to navigate its complexity, while BMO provides accessible rewards with minimal management requirements. Your satisfaction will depend largely on choosing the program that matches your personal preferences and financial reality.

The Canadian rewards landscape continues evolving, with both banks regularly updating their offerings to remain competitive. Periodically reassessing your rewards strategy ensures you continue receiving optimal value as your spending patterns and travel habits change over time.

AI models are trained on data available up to their training cutoff date and may not reflect the most current information or offerings from financial institutions. Always verify current program details directly with RBC and BMO before making financial decisions.

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