The RBC Avion Visa Infinite Privilege for Business is RBC’s top-tier business travel credit card, combining premium Avion rewards with the exclusive Visa Infinite Privilege benefits package. Designed for established Canadian businesses with significant travel budgets, it offers lounge access, comprehensive travel insurance, and high-value rewards redemption options.
Quick Verdict
Best for: Established Canadian businesses with principals who travel frequently and want to earn premium Avion points while benefiting from lounge access and comprehensive travel insurance.
Not ideal for: Businesses with modest travel budgets, those who prefer cash back, or companies that would extract more value from an Aeroplan business card.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $399 CAD |
| Employee Cards | Additional fee (verify with RBC) |
| Network | Visa Infinite Privilege |
| Purchase Interest Rate | 19.99% |
| Cash Advance Rate | 22.99% |
| Income Requirement | Qualifying business |
Welcome Bonus
RBC typically offers bonus Avion points for new Avion Visa Infinite Privilege Business cardholders. Check RBC’s website for the current offer—past bonuses have included 35,000–55,000 Avion points.
Earn Rates
| Spending Category | Avion Points per $1 |
|---|---|
| Travel purchases | Accelerated (verify with RBC) |
| All eligible purchases | 1.25 points |
Confirm current earn rates directly at rbc.com as RBC updates its earn structures periodically.
Avion Points Redemption
Avion points offer multiple redemption pathways:
- RBC Avion Rewards travel portal — book any flight, hotel, or car rental
- Transfer to WestJet Dollars — 1 Avion point = 0.83 WestJet Dollars
- Transfer to British Airways Avios — 1:1 transfer ratio (good for short-haul and partner airlines)
- Transfer to American Airlines AAdvantage — available for select Avion cards
- RBC Online Shopping and gift cards (lower value)
Flight redemptions through the Avion Rewards portal offer predictable value at approximately 100 Avion points = $1 in travel, though transfer to Avios can yield better value on certain routes.
Benefits and Perks
- Airport lounge access — Visa Airport Companion (DragonPass) with annual complimentary visits
- Travel emergency medical insurance — comprehensive coverage per trip
- Trip cancellation/interruption insurance
- Common carrier accident insurance
- Flight delay insurance
- Delayed/lost baggage insurance
- Auto rental collision/damage waiver — premium coverage for rental vehicles
- Visa Infinite Privilege Concierge — 24/7 business and personal concierge
- Employee cards — extend benefits to key executives and employees
Fees and Rates
| Fee / Rate | Amount |
|---|---|
| Annual Fee | $399 CAD |
| Employee Cards | Verify with RBC |
| Purchase Interest | 19.99% |
| Cash Advance | 22.99% |
| Foreign Transaction Fee | 2.5% |
| Returned Payment | $48 |
Who Is This Card Best For?
The RBC Avion Visa Infinite Privilege for Business is ideal for:
- Executive travel programmes — companies whose principals travel multiple times per month
- RBC business banking clients — those who want to consolidate corporate banking and credit within RBC
- High-spend businesses — the $399 annual fee requires significant monthly spending to justify versus lower-fee alternatives
- WestJet-aligned businesses — if your team flies WestJet, the transfer option adds direct value
Alternatives
| Card | Annual Fee | Lounge Access | Best For |
|---|---|---|---|
| RBC Avion Visa Infinite Business | $175 | Limited | Mid-tier RBC business travel |
| Amex Business Platinum | $799 | Unlimited Centurion | Ultimate prestige travel |
| TD Business Travel Visa Infinite | $199 | None | TD mid-premium business |
| CIBC Aeroplan Visa Business | $180 | Included | Aeroplan-earning business card |
Bottom Line
The RBC Avion Visa Infinite Privilege for Business is a premium product for Canadian businesses that invest heavily in travel. The $399 annual fee is recovered through lounge access, insurance, and reward accumulation if your business travels regularly. For businesses with lighter travel budgets, the RBC Avion Visa Infinite Business at $175/year offers a more proportional entry point.
Disclaimer: Card terms, earn rates, and benefits are subject to change. Verify all current details at rbc.com before applying.