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Enjoy 35,000 Welcome Avion Points
Make the most of your business spending with the RBC Avion Visa Infinite Business Card. Get started today with 35,000 Welcome Avion points upon approval.1 That’s enough Welcome Avion points to fly almost anywhere in Canada & the U.S. except Hawaii & Alaska (a value of up to $750 †). Taxes & fees extra.
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Call 1-800-769-2520
How Do You Want to Get Started?
Credit Card Segments
Find a credit card that works best for your business
Business Credit Cards
Help manage cash flow more efficiently by extending your days payable with secure and convenient payment options for small and medium sized businesses.
Annual business sales revenue is under $3 million
Avion Visa Infinite Business
Earn Avion points at our fastest rate for business.
- Receive 35,000 Welcome Avion points upon enrollment1
- Earn 1.25 Avion points for every $1 spent in net purchases with your card, on up to $75,000 per year2
- Enjoy a suite of premium insurance coverages† – including Mobile Device Insurance3 and Emergency Medical.
- Access to industry-leading card management and reporting tools
Purchase Rate:
19.99%
Annual Fee:
$175
Additional Card:
$75 (maximum of 9 additional cards)
Best for Business Owners who:
-
Want to earn Avion points at an accelerated rate – with redemption flexibility5
-
Need the ability to manage spend controls and credit limits on employee’s company cards
-
Want access to customized business reporting
-
Are looking to combine the points earned on their employees’ Avion Infinite Business cards into one account, and pool points between business and personal Avion cards6
Moneris to accept debit and credit card payments
Royal® Business OperatingLine to borrow money
RBC Avion Visa Business
Earn Avion points on every business purchase.
- Receive 35,000 Welcome Avion points upon enrollment7.
- Earn 1 Avion point for every $1 spent in net purchases with your card4
- Enjoy a suite of premium insurance coverages+
Purchase Rate:
19.99%
Annual Fee:
$120
Additional Card:
$50
Best for Business Owners who:
-
Want to earn Avion points – with redemption flexibility5
-
Are looking to combine the points earned on their employees’ Avion Business cards into one account, and pool points between business and personal Avion cards6
Moneris to accept debit and credit card payments
Royal® Business OperatingLine to borrow money
Business Cash Back Mastercard
Get purchasing power, flexibility and security plus earn cash back on every purchase you make on the card.
- Earn 2% cash back* on purchases made on your card in the first three months8.
- Earn 1% cash back* on card purchases after that8
- No annual fee
Purchase Rate:
19.99%
Annual Fee:
$0
Additional Card:
$0 (maximum of 1 additional card)
Best for Business Owners who:
-
Are interested in earning cash back, not rewards points
-
Prefer a no annual fee card
-
Are looking to manage business cash flow and want easy-access to credit when needed
Moneris to receive POS payments
Royal® Business OperatingLine to borrow money
Visa Business Card
A convenient and affordable choice that gives you access to funds when your business needs it
- Keep your business and personal expenses separate for simpler tracking and managing of your business expenses
- Build a strong Canadian credit history in the name of your business
Purchase Rate:
19.99%
Annual Fee:
$12
Additional Card:
$12
Best for Business Owners who:
-
Are looking for a quick, convenient way to make everyday purchases
-
Prefer for a low annual fee
-
Want to improve their cash flow with immediate access to credit
Moneris to receive POS payments
Royal® Business OperatingLine to borrow money
Visa CreditLine for Small Business
Give your business the functionality and low interest rate of a line of credit in the convenience of a credit card
- Earn 1 Avion point for every $2 spent with your card4
- A competitive low interest rate.
- No annual fee
Purchase Rate:
From Prime + 2.9% to 11.9%9
Annual Fee:
$0
Additional Card:
$0 (maximum of 1 additional card)
Best for Business Owners who:
-
Own a Canadian small business that doesn’t require multiple employee cards
-
Want to earn Avion points with no annual fee and a low interest rate
-
Want an unsecured line of credit in the convenience of a credit card
Moneris to receive POS payments
Royal® Business OperatingLine to borrow money
Commercial Card Program
More Control Over Your Company’s Travel, Purchasing and Invoice Expenses.
- You’re looking for a powerful card management and reporting tool that allows you to create and manage cards in real time, for your travelling and purchasing needs
-
You’re looking for an easier and more secure way to pay suppliers or enable employees who don’t have a company credit card
- You want to extend days payable up to 51 days, identify opportunities for supplier negotiations and reduce manual reconciliation
- You want to integrate transaction-level data into expenses management systems such as Concur, Certify, Expensify, amongst others
To qualify for RBC’s Commercial Card Program, your company’s annual revenue must exceed $3 million. If your company’s annual revenue is less than $3 million, you may be eligible for a Business Credit Card.
Have a specialist contact youCommercial Avion Visa
Earn Avion® points on purchases and access RBC NextLogic, a powerful card management and reporting tool.
Best for:
-
Companies looking for a premium travel rewards program to help offset expenses and gain value on business purchases
-
Those who want flexibility in how they can use their points including roll-up to the company or individual earn
-
Companies that want premium travel and Mobile Device3 Insurance coverage†
Commercial Cash Back Visa
Earn Cash Back credits with every eligible purchase
Best for:
-
Companies who want to offset business expenses; pay down their balance or reinvest in their business through cash back
-
Growing to mid-sized businesses
Commercial U.S. Dollar Visa
Simplify your U.S. expenses and avoid the costs of foreign exchange fluctuations by paying and settling in U.S. dollars.
-
Pay for and settle U.S. transactions in U.S. funds
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Avoid foreign currency exchange fees on USD purchases
Best for:
-
Companies with employees who travel to the U.S.
-
Companies that purchase goods or services from U.S. suppliers
Commercial Visa
An everyday card that makes expense management easy.
-
Low annual fee
-
A convenient way to make purchases, track expenses and manage business spending
Best for:
-
Not-for profit organizations and growing to mid-sized businesses
-
Companies looking for a low annual fee option, in their RBC Commercial Card Program
Let us find a tailored solution just for you
and your business.
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Top Credit Card FAQs
It depends on the type of RBC credit card, the program you apply for, and whether you’re an existing RBC client already. RBC offers credit cards for small, medium, or large businesses. To find the right credit card for your business needs, and the documentation required to be eligible, explore our business and commercial programs or use our Digital Business Tool to get a recommendation for your business.
Yes, your business-related expenses, payments, and usage habits will help in building your business credit score for future financing needs.
A business or commercial credit card dedicated to your business needs is a great idea. Depending on the credit card and program selected, a business or commercial credit card offers numerous benefits such as:
- Keeping track of business expenses and simplifying tax filing
- Maximizing cash flow with an interest-free grace period (17 - 21 days depending on the type of credit card)
- Building better relationships with suppliers by paying on time
- Getting access to multiple credit cards for employees to help manage expenses and payments
- Building your business credit score for future credit needs
- Earning rewards with built-in programs such as Avion Rewards or Cash Back with eligible cards
- Redeeming Avion points for personal use or reinvesting them back into the business.
No, your business or commercial credit card will not affect your personal credit score. Your business credit score is built off the financial history of the business itself, not your personal spending habits. The business or commercial credit card should be registered under your business name for tax purposes as well as to build your business credit score.
Whether you’re a start-up or an established business, you’ll need to manage cash flow, pay suppliers, track business expenses, and more. A business or commercial credit card gives you access to business-specific benefits such as extended days payable, simplified reporting and controls, and accelerated rewards, all while building credit for future borrowing needs. Compare some of the business and commercial credit cards RBC has to offer, or explore our business advice section to get solutions and savings that can help your business thrive.
Yes, you can use your RBC personal credit card for business expenses, but a business credit card will simplify tracking your business expenses, making payments, managing cardholders and filing taxes. A business credit card is also essential for building credit for your business, which can help you access business loans in the future. Plus, with many of our RBC business or commercial credit cards, you could benefit from the Liability Waiver Program (opens in a new tab), which protects businesses against certain unauthorized charges that may be made by employee cardholders.
Ready to Apply for a Business Credit Card?
Apply online or speak with an RBC Advisor today.
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