What you earn
- 1.25Avion points per $1 Everything else
This card's earn rates have limits; see "Good to know" below.
What this card gives back for your spending
For a typical household's card spending ($3,245 a month), this card gives about $312 a year back after fees: 48,669 points at 1¢ each (any travel or the travel portal), less $175 in fees.
Rewards at this card's earn rates for that spending, minus the annual fee. Insurance, lounge access and welcome offers are not counted in dollars. Spending is Statistics Canada's average household (Survey of Household Spending, 2023), split into card categories by CardNorth.
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Fees and interest
| Annual fee | $175 |
|---|---|
| Additional card | $75 |
| Purchases | 19.99% |
| Cash advances | 22.99% |
| Balance transfers | 22.99% |
| Foreign transactions | 2.5% |
Who can apply
| Income | $60,000 personal or $100,000 household, or $500,000 business revenue, $250,000 assets under management or $30,000 annual card spend |
|---|---|
| Or | any one of: $500,000 annual business sales revenue, $250,000 or more in assets under management, or $30,000 or more current annual credit card spend |
| Quebec | Offered |
| Card type | Business, Visa Infinite |
Perks and coverage
- Travel medical insurance15 days a trip, to age 64, 3 days at 65 and over
- Trip cancellation insuranceup to $1,500 a person a trip
- Trip interruption insuranceup to $5,000 a person a trip
- Flight delay insurance
- Baggage insurancelost or stolen baggage
- Baggage insurancedelayed baggage
- Rental car collision and loss damagecars worth up to $65,000
- Hotel burglary insurance
- Mobile device insuranceup to $2,000, for 2 years
- Purchase protection90 days from purchase
- Extended warrantyadds 1 year to the warranty
- Travel accident insuranceup to $500,000
- Airport lounge membershipVisa Airport Companion
Coverage has conditions and limits. Read RBC's certificate of insurance or benefit terms before relying on it.
Good to know
The yearly earn limit
The 1.25-point rate applies to the first $75,000 of net purchases in a year, and the count resets to zero on the first day of your January statement.
Who is liable
Under RBC’s joint and several business card agreement, the business and each owner are liable for the whole debt. RBC also lists a corporate liability version of the agreement. If you don’t meet the minimums, RBC may consider you for the RBC Avion Visa Business instead.
Lounge visits
The Visa Airport Companion membership has no free visits: each visit costs $32 USD a person, guests included.