Which has the lower annual fee, Odyssey Visa Infinite Privilege or RBC British Airways Visa Infinite?

The Odyssey Visa Infinite Privilege has a $130 annual fee, while the RBC British Airways Visa Infinite charges $165/year.

Which card is better for groceries, Odyssey Visa Infinite Privilege or RBC British Airways Visa Infinite?

The Odyssey Visa Infinite Privilege earns 3% on groceries, while the RBC British Airways Visa Infinite earns 2.3%. The better choice depends on your grocery spending and the specific merchants you shop at.

Odyssey Visa Infinite Privilege vs RBC British Airways Visa Infinite — Which Is Better? | Churnr

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

RBC British Airways Visa Infinite wins by $290/yr — strongest in bills & utilities

RBC British Airways Visa Infinite earns $108 more on bills & utilities
Odyssey Visa Infinite Privilege earns $96 more on groceries

Bills & Utilities: +$108Groceries: +$96Shopping: +$95

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

RBC British Airways Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$295

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$123

Annual rewards earned+$455

FX costs−$30

Annual fee−$130

Winner

$585

/first year

1.4% effective$49/mo

vs 1% no-fee card: +$166

Annual rewards earned+$780

FX costs−$30

Annual fee−$165

Best for your spendingRBC British Airways Visa Infinite—$585Year 1 value

+$290 more than Odyssey Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

RBC British Airways Visa Infinite wins by $290/yr — strongest in bills & utilities

RBC British Airways Visa Infinite earns $108 more on bills & utilities
Odyssey Visa Infinite Privilege earns $96 more on groceries

Bills & Utilities: +$108Groceries: +$96Shopping: +$95

Showing Year 1 analysis

RBC British Airways Visa Infinite 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