Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
1.25 points per $1 on all purchases — no caps, no categories to track.
The premium tier of RBC's Avion travel card: 1.25 points on everything, airport lounge access, and a 2¢/point redemption rate on Business/First Class — for high-income frequent flyers.
High-income frequent travellers who'll use lounge access and book premium cabins.
People who want one card covering lounges, rich insurance, and flexible points.
You can't clear the $200k income bar or won't use the lounge/premium-cabin perks.
You fly Air Canada primarily (Aeroplan wins) or want simple cash back.
Watch-outs $399 fee is steep and not waivable; the 6 lounge passes plus premium redemptions need real travel volume to justify it. · 2.5% FX fee.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.