Home » Banking » Comparing RBC (Royal Bank of Canada) Avion Visa Platinum Vs SimplyCash™ Card from American Express Vs.  Brim Mastercard 
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Comparing RBC (Royal Bank of Canada) Avion Visa Platinum Vs SimplyCash™ Card from American Express Vs.  Brim Mastercard 

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RBC (Royal Bank of Canada) Avion Visa Platinum vs SimplyCash™ Card from American Express vs.  Brim Mastercard: Read this blog to know more.

RBC (Royal Bank of Canada) Avion Visa Platinum vs SimplyCash™ Card from American Express vs.  Brim Mastercard 

Source: Freepik

Let us compare these top three credit cards in Canada. Let us look at their unique features individually-  

RBC Avion Visa Platinum  

Eligibility –  

On this card, you need to have a minimum income requirement of $60,000 annually and a minimum household income requirement of $100,00. Further, your credit score needs to be 760 or more and you must be a permanent resident of Canada as well.  

Annual fees-  

The annual fee on this card is $120.  

Interest charged on Balance-  

The purchase interest rate on this card is 19.99%, the cash advance interest rate is 21.99% and the balance transfer interest rate is 21.99%.  

Rewards and Cashback  

On this card, you get a welcome bonus of 15,000 bonus points, which comes to around $171 value. On this card, you can earn 1.25x points on travel (including flights, hotels, taxis, and public transit) and 1x points on all other purchases as well.  

Further, you can even earn 25% more on all travel-related purchases (rental cars, hotels, etc.) and earn bonus points when you shop online at the RBC Rewards eMall as well.  

Let us present this in a tabular manner: 

Eligibility A minimum income requirement of $60,000.  A minimum household income requirement of $100,000.  A credit score of 760+.  A permanent resident of Canada and age.  
Annual fees $120 
Interest charged on Balance The purchase interest rate on this card is 19.99%.  The cash advance interest rate is 21.99%.  The balance transfer interest rate is 21.99%.  
Rewards and Cashbacks A welcome bonus of 15,000 bonus points. Earn 1.25x points on travel (including flights, hotels, taxis, public transit). Earn 1x points on all other purchases as well. Earn 25% more on all travel-related purchases. Earn extra bonus points when you shop online at the RBC Rewards eMall. 

SimplyCash Card from American Express 

Eligibility  

On this card, there is no minimum income requirement or household income requirement. Further, your credit score needs to be 660 or more and you must be a permanent resident of Canada as well.  

Annual fees 

The annual fee on this card is $99. 

Interest charged on Balance 

The purchase interest rate on this card is 19.99%, the cash advance interest rate is 21.99% and the balance transfer interest rate is zero.  

Rewards and cashback 

On this card, you can earn up to 2% cash back when the Welcome Rate for you ends and there is No limit to the amount of cash back you can earn. You also get access to memorable experiences with the American Express Invites too.  

Let us present it in a tabular manner- 

Eligibility No minimum income requirement.  No minimum household income requirement.  A credit score of 660+.  A permanent resident of Canada and age  
Annual fees $99. 
Interest charged on Balance The purchase interest rate on this card is 19.99%.  The cash advance interest rate is 21.99%.  The balance transfer interest rate is zero.  
Reward Earn up to 2% cash back when the Welcome Rate for you ends.  There is no limit to the amount of cash you can earn.  Get access to memorable experiences with the American Express Invites.   

Brim Mastercard 

Eligibility  

On this card, there is no minimum income requirement or household income requirement. Further, your credit score needs to be 725 or more and you must be a permanent resident of Canada as well.  

Annual Fees  

     The annual fee on this card is $0.  

Interest charged on Balance  

The purchase interest rate on this card is 19.99%, the cash advance interest rate is 21.50% and the balance transfer interest rate is 19.99%.  

Rewards and cashback  

On this card, you can earn 1x points on all your everyday purchases, 3x points on eligible airlines, and 4x points on select retailers’ stores too. It does not also charge you any foreign transaction fees  

Let us present it in a tabular manner now – 

Eligibility No minimum income requirement.  No minimum household income requirement.  A credit score of 725+.  A permanent resident of Canada and age.  
Annual fees $0 
Interest charged on Balance The purchase interest rate on this card is 19.99%.  The cash advance interest rate is 21.50%.  The balance transfer interest rate is 19.99%  
Reward Earn 1x points on all your everyday purchases  Earn 3x points on eligible airlines.  Earn 4x points on select retailers’ stores.  No foreign transaction fees.    

Having a clear idea about all three credit cards, let us compare them in a tabular manner- 

 RBC Avion Visa Platinum  SimplyCash Card from American Express Brim Mastercard  
Additional Benefits Earn 1.25x points on travel (including flights, hotels, taxis, and public transit).  Earn 1x points on all other purchases as well.  Earn 25% more on all travel-related purchases.  Earn bonus points when you shop online at the RBC Rewards eMall.  Earn up to 2% cash back when the Welcome Rate for you ends.  There is no limit to the amount of cash back you can earn.  Get access to memorable experiences with the American Express Invites  Earn 1x points on all your everyday purchases  Earn 3x points on eligible airlines.  Earn 4x points on select retailers’ stores.  No foreign transaction fees.  
Welcome Offer A welcome bonus of 15,000 points.  No no 
Minimum Income Requirement  A minimum income requirement of $60,000.  A minimum household income requirement of $100,000.  A credit score of 760+.  No minimum income requirement.  No minimum household income requirement.  A credit score of 660+.  No minimum income requirement.  No minimum household income requirement.  A credit score of 725+.    
Condition of Canadian Resident yes Yes yes 

Expertbyarea opinion   

In this article, we have talked about these three credit cards in Canada.  

If you are looking for no minimum income cards with great cashback and rewards now and then, the third card can be your best pick.  

If you are looking for a card with no annual fees, the second one can be your best pick.  

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