The RBC Avion Visa Business Card is RBC’s entry-tier business credit card in the Avion points ecosystem — earning Avion Points on eligible business purchases with a no- or low-annual-fee structure. It provides access to Avion’s transfer partners (WestJet Rewards, British Airways Avios) and the RBC Rewards travel portal at a lower cost point than the RBC Avion Visa Infinite Business ($175/year). It is suited for sole proprietors and small businesses with moderate card spending who want Avion Points without a premium fee.
Quick Verdict
Best for: Small businesses and sole proprietors who want to earn Avion Points on business spending without a premium annual fee, with the flexibility to transfer to WestJet or British Airways Avios when redeeming.
Not ideal for: High-spending businesses ($5,000+/month) — the RBC Avion Visa Infinite Business ($175/year) delivers higher earn rates and more comprehensive benefits that justify the fee at that spending level.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $0 or low fee — verify at rbcroyalbank.com |
| Employee card fee | Verify at rbcroyalbank.com |
| Purchase interest rate | Verify at rbcroyalbank.com |
| Cash advance rate | Verify at rbcroyalbank.com |
| Foreign transaction fee | 2.5% — verify at rbcroyalbank.com |
| Network | Visa |
| Rewards | Avion Points |
| Welcome bonus | Verify current offer at rbcroyalbank.com |
Card terms, earn rates, and all features are subject to change. Verify all current details at rbcroyalbank.com before applying.
Earn Rates
Verify all current earn rates at rbcroyalbank.com.
| Spending Category | Avion Points |
|---|---|
| Eligible business purchases | Standard Avion rate — verify at rbcroyalbank.com |
Avion Points Redemption for Business
| Redemption Type | Details |
|---|---|
| RBC Rewards travel portal | Flights, hotels, car rentals |
| WestJet Rewards transfer | WestJet dollars for WestJet flights |
| British Airways Avios transfer | Redeemable for BA, Iberia, American, Qatar, oneworld |
| Cash back / merchandise | Lower value vs. travel — verify at rbcroyalbank.com |
Best value: Transferring to British Airways Avios for short-haul North American redemptions (often under 10,000 Avios for a one-way YVR-SEA or YUL-BOS on oneworld carriers).
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee | $0 or low fee — verify at rbcroyalbank.com |
| Employee card fee | Verify at rbcroyalbank.com |
| Purchase interest rate | Verify at rbcroyalbank.com |
| Cash advance rate | Verify at rbcroyalbank.com |
| Foreign transaction fee | Verify at rbcroyalbank.com (typically 2.5%) |
RBC Business Card Tier Comparison
| Card | Annual Fee | Earn Rate | Best For |
|---|---|---|---|
| RBC Avion Visa Business | $0–low | Standard Avion | Low-spend businesses, no-fee preference |
| RBC Avion Visa Infinite Business | $175 | Higher Avion | $5,000+/month spend, Visa Infinite perks |
RBC Avion Visa Business vs. Other Canadian Business Cards
| Card | Annual Fee | Rewards | Network | Key Strength |
|---|---|---|---|---|
| RBC Avion Visa Business | $0–low | Avion → WestJet/Avios | Visa (universal) | No-fee Avion earning |
| TD Business Travel Visa | $149 | TD Rewards | Visa | TD banking integration |
| BMO CashBack Business MC | $0 | Cash back | Mastercard | $0 fee, cash back simplicity |
| Amex Business Edge | $99 | MR → Aeroplan | Amex | 3x MR on business categories |
For businesses whose suppliers accept Amex, the Amex Business Edge (3x MR on categories → Aeroplan transfers) may deliver more points per dollar. For those needing universal Visa acceptance with B2B vendors, the RBC Avion Visa Business provides Visa coverage at low/no cost.
Business Card Expense Management
| Feature | Details |
|---|---|
| Employee cards | Issue cards to employees; spending tracked separately |
| Year-end summary | Annual business spending summary |
| RBC online banking | View transactions, pay bills, manage accounts |
| GST/HST tracking | Separate card statements facilitate tax record keeping |
Who Is the RBC Avion Visa Business Best For?
Ideal cardholders:
- RBC business banking clients who want a no-fee or low-fee business Visa that earns Avion Points
- Sole proprietors and freelancers with moderate monthly card spending ($1,000–$4,000/month)
- Those who want Visa acceptance for B2B vendor payments with Avion earn on the side
- Those who specifically want to transfer to British Airways Avios or WestJet Rewards
Less suitable if:
- Monthly business spend exceeds $5,000 — the Avion Visa Infinite Business ($175/year) delivers more value
- You want the highest MR-to-Aeroplan earning — Amex Business Edge (3x MR) outperforms
- You prefer cash back simplicity — BMO CashBack Business Mastercard ($0 fee) is straightforward
Bottom Line
The RBC Avion Visa Business Card is a useful entry-tier business card for RBC business clients who want Avion Points on business spending at no- or low-annual-fee. The Visa network ensures universal B2B acceptance, and Avion’s WestJet and Avios transfer partners provide meaningful travel redemption options.
For businesses spending $5,000+/month, upgrade to the RBC Avion Visa Infinite Business for higher earn rates and Visa Infinite perks. For lighter spenders, the standard Avion Visa Business is a cost-effective starting point.
Card terms, Avion earn rates, transfer partners, and all features are subject to change. Verify all current details at rbcroyalbank.com before applying.