The RBC Avion Visa Infinite Business is RBC’s flagship business travel credit card for Canadian small business owners, designed to earn Avion Points on company spending and provide travel benefits for frequent business travellers. At $175/year, it offers flexible Avion redemptions, transfer partner options, comprehensive travel insurance, and employee card capabilities — positioning it as a strong choice for RBC business banking clients who prioritise travel rewards.
Quick Verdict
Best for: Canadian business owners who bank with RBC, want to earn flexible Avion Points on company spending, value travel insurance for business trips, and can use Avion’s airline transfer partnerships for high-value redemptions.
Not ideal for: Businesses that want cash back rather than points (consider a cash back business card), or those who prefer Aeroplan miles directly (which Avion does not transfer to).
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $175 |
| 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% (typical) — verify at rbcroyalbank.com |
| Income / revenue requirement | Verify at rbcroyalbank.com |
| Network | Visa Infinite |
| Rewards | Avion Points |
| Welcome bonus | Verify current offer at rbcroyalbank.com |
Card terms, earn rates, fees, and all features are subject to change. Verify all current details at rbcroyalbank.com before applying.
Welcome Bonus
RBC typically offers a welcome bonus of Avion Points for new cardholders, often contingent on meeting a minimum spend threshold within the first 3 months of account opening. Verify the current offer — and any first-year fee waiver promotions — at rbcroyalbank.com. Welcome bonuses change frequently.
Estimated value of Avion welcome bonus: At approximately $0.01–$0.015 per Avion point (varying by redemption type), a 35,000–55,000 point welcome bonus is worth approximately $350–$825 when redeemed for travel — offsetting the first year’s annual fee and then some.
Earn Rates
Verify all current earn rates at rbcroyalbank.com.
| Spending Category | Points Earned |
|---|---|
| Eligible purchases | Verify at rbcroyalbank.com |
| Travel purchases | May earn at elevated rate — verify |
Annual points estimate (example)
At an illustrative 1.25 Avion points per $1 spent on $5,000/month business spending:
- Annual spend: $60,000
- Points earned: 75,000 Avion Points
- Value redeemed for travel (at ~$0.012/point): approximately $900
This is illustrative only. Actual earn rates and redemption values vary — verify at rbcroyalbank.com.
Avion Points: Redemption Options
Avion Points are one of Canada’s most flexible rewards currencies:
1. Travel via RBC Rewards portal
- Book flights, hotels, car rentals, and vacation packages
- Competitive redemption value versus cash equivalent
- No blackout dates when booking through the portal
2. Airline transfer partners
- WestJet Rewards — transfer Avion to WestJet dollars for WestJet flights
- British Airways Executive Club (Avios) — useful for short-haul redemptions and partner airlines
- Verify current transfer partners and ratios at rbcroyalbank.com — these change
Why transfers matter: Transferring Avion Points to British Airways Avios can yield high value on short-haul or partner redemptions, potentially worth $0.015–$0.02+ per point for savvy travel hackers — significantly above the standard portal rate.
3. Cash and statement credits
- Redeem for statement credits to offset any purchase
- Lower per-point value than travel redemptions
4. Merchandise and gift cards
- Through the RBC Rewards catalogue
- Lowest per-point value — not recommended unless travel is unavailable
Travel Insurance Coverage
| Coverage | Benefit |
|---|---|
| Emergency travel medical | Verify limit and trip duration at rbcroyalbank.com |
| Trip cancellation | Verify limit |
| Trip interruption | Verify limit |
| Flight delay | Verify hours threshold and limit |
| Baggage delay | Verify hours threshold and limit |
| Hotel/motel burglary | Verify limit |
| Rental car collision/damage | Verify included or excluded at rbcroyalbank.com |
| Common carrier accident | Verify limit |
Review the Certificate of Insurance at rbcroyalbank.com for full coverage terms, exclusions, and eligibility conditions.
Business Features
Employee cards
- Issue additional cards to employees
- All employee spending earns Avion Points on the primary account
- Set individual spending limits on employee cards (verify feature availability)
- Employee card annual fee — verify at rbcroyalbank.com
Expense reporting
- All transactions accessible through RBC Online Banking for Business
- Export for accounting software integration
Business banking integration
- Seamless connection to existing RBC business banking accounts
- Simplifies payment and cash flow management
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee (primary) | $175 |
| 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 Avion Visa Infinite Business vs. Competitors
| Card | Annual Fee | Rewards | Key Strength |
|---|---|---|---|
| RBC Avion Visa Infinite Business | $175 | Avion Points | Transfer partners, RBC ecosystem |
| Amex Business Gold Rewards | $199 | Membership Rewards | MR transfers to Aeroplan, 12 airline/hotel partners |
| TD Business Travel Visa | $149 | TD Rewards | TD ecosystem, Expedia For TD |
| Scotiabank Business Visa | Low/no fee | Minimal | Low cost, basic business Visa |
vs. Amex Business Gold Rewards: Amex MR points can transfer to Aeroplan (a major advantage for Air Canada flyers), and Amex has 12 transfer partners globally versus Avion’s 2–3. However, Amex is not accepted as universally as Visa — a meaningful consideration for business expenses at suppliers who don’t accept Amex.
vs. TD Business Travel Visa: Both are roughly comparable in fee and rewards. The key differentiator is whether you prefer Avion (RBC ecosystem) or TD Rewards (TD ecosystem), and which transfer partners align with your travel habits.
Who Is the RBC Avion Visa Infinite Business Best For?
Ideal cardholders:
- Canadian small business owners who bank with RBC and want to earn and redeem Avion Points for business and personal travel
- Business owners who travel with WestJet and want to earn Avion transferable to WestJet Rewards
- Those who want Visa’s broad merchant acceptance for business-to-business expenses (suppliers, contractors, vendors)
- Businesses spending $4,000–$10,000+/month where the rewards meaningfully exceed the $175 annual fee
Less suitable if:
- You want to earn Aeroplan miles directly — Avion does not transfer to Aeroplan; consider a TD Aeroplan or CIBC Aeroplan business card
- You prefer cash back — a no-fee business cash back card may deliver better net value
- Your business primarily accepts expenses on Amex — Amex Gold/Platinum Business offers superior transfer partner access
Bottom Line
The RBC Avion Visa Infinite Business is a strong business travel card for RBC-focused business owners. Avion Points offer genuine flexibility — particularly if you use WestJet or value Avios transfers — and the travel insurance package provides meaningful protection for business trips. At $175/year, businesses spending $4,000+/month will find the rewards exceed the fee.
Verify the current welcome bonus (often the strongest reason to apply) and earn rates at rbcroyalbank.com before making a decision.
Card terms, earn rates, Avion partner relationships, and travel insurance coverages are subject to change. Verify all current details at rbcroyalbank.com before applying.