The RBC Business Visa is RBC’s entry-level business credit card, offering Canadian small business owners a no-annual-fee option to separate business and personal expenses while earning RBC Rewards points. It’s a practical starting point for sole proprietors and small businesses banking with RBC.
Quick Verdict
Best for: Small Canadian business owners who want a no-annual-fee business Visa for expense tracking and basic rewards, particularly existing RBC banking clients.
Not ideal for: High-volume business spenders who need stronger earn rates, travel benefits, or the Avion points program—consider upgrading to RBC’s Avion business card lineup.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $0 CAD (verify at rbc.com) |
| Network | Visa |
| Rewards | RBC Rewards points |
| Income Requirement | None stated |
| Purchase Interest Rate | 19.99% |
| Cash Advance Rate | 22.99% |
| Foreign Transaction Fee | 2.5% |
| Employee Cards | Available |
Note: Earn rates and features are subject to change. Verify all current details at rbc.com.
Welcome Bonus
RBC periodically offers welcome bonuses on the Business Visa. Check rbc.com for the current sign-up offer.
Benefits and Perks
- No annual fee — no overhead cost
- Employee cards — consolidate business expenses
- Year-end account summaries — simplify tax prep
- Online account management — via RBC online banking
- Purchase protection on eligible purchases
- Extended warranty on eligible purchases
RBC Business Card Lineup
| Card | Annual Fee | Rewards | Best For |
|---|---|---|---|
| RBC Business Visa | $0 | RBC Rewards | Entry no-fee business |
| RBC Avion Visa Business | $180 | Avion points | Mid-tier business travel |
| RBC Avion Visa Infinite Business | $175 | Avion points | Premium business travel |
| RBC Business Cash Back Mastercard | $0 | Cash back | No-fee cash back business |
Who Is This Card Best For?
- Sole proprietors starting out with business credit
- RBC banking clients who want integrated business accounts
- Small businesses with modest monthly business spending
Alternatives
| Card | Annual Fee | Network | Best For |
|---|---|---|---|
| RBC Business Cash Back Mastercard | $0 | Mastercard | Cash back business (no-fee) |
| TD Business Mastercard | $0 | Visa | TD banking clients |
| BMO Business Mastercard | $0 | Mastercard | BMO banking clients |
Bottom Line
The RBC Business Visa is a sensible entry-level business card for RBC customers wanting to separate business and personal expenses without paying annual fees. For businesses that spend more and travel for work, the RBC Avion business card lineup delivers meaningfully better value.
Disclaimer: Card terms, earn rates, and features are subject to change. Verify all current details at rbc.com before applying.