Which has the lower annual fee, American Express Platinum Card or RBC Avion Visa Infinite Privilege?

The RBC Avion Visa Infinite Privilege has a $399 annual fee, while the American Express Platinum Card charges $799/year.

Which card is better for groceries, American Express Platinum Card or RBC Avion Visa Infinite Privilege?

The American Express Platinum Card earns 1.5x on groceries, while the RBC Avion Visa Infinite Privilege earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the American Express Platinum Card accepted everywhere in Canada?

The American Express Platinum Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

American Express Platinum Card vs RBC Avion Visa Infinite Privilege — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

American Express Platinum Card wins by $2,395/yr — strongest in groceries

American Express Platinum Card earns $230 more on groceries
American Express Platinum Card earns $158 more on dining & restaurants
$2,000 welcome bonus advantage
$400 higher annual fee, offset by rewards

Groceries: +$230Dining & Restaurants: +$158Travel: +$115

American Express Platinum Card: $30/yr in foreign transaction fees

American Express Platinum Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

RBC Avion Visa Infinite Privilege: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$2,382

/first year

5.7% effective$199/mo

vs 1% no-fee card: +$1,964

Annual rewards earned+$1,211

Welcome bonus+$2,000

FX costs−$30

Annual fee−$799

−$13

/first year

-0.0% effective$1/mo

vs 1% no-fee card: −$432

Annual rewards earned+$416

FX costs−$30

Annual fee−$399

Best for your spendingAmerican Express Platinum Card—$2,382Year 1 value

+$2,395 more than RBC Avion Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

American Express Platinum Card wins by $2,395/yr — strongest in groceries

American Express Platinum Card earns $230 more on groceries
American Express Platinum Card earns $158 more on dining & restaurants
$2,000 welcome bonus advantage
$400 higher annual fee, offset by rewards

Groceries: +$230Dining & Restaurants: +$158Travel: +$115

Showing Year 1 analysis

American Express Platinum Card wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data