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Trademark(s) of Royal Bank of Canada.

® The INTERAC logo and INTERAC e-Transfer are registered Trade-marks of Interac Corp.

All other trademarks are the property of their respective owner(s).

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The business loan calculator assumes: (i) a constant interest rate throughout the repayment period and (ii) that interest payments will be made monthly for both payment types (Principal Plus Interest or Blended). The calculations produced do not account for, among other things, the following factors that may impact repayment: (i) non-scheduled payment reductions such as lump sum payments, (ii) Business Loan Insurance Plan premium payments, (iii) leap years, (iv) maturities on dates other than payment due dates or (v) interest adjustments.

 

The calculations and amortization schedule produced are: (i) based on the data you have entered and its accuracy and completeness, (ii) based on assumptions that are believed to be reasonable, and (iii) for estimation purposes only and should not be relied upon for specific financial or other advice. When you make your credit application, interest rates may have changed or may be different due to information contained in your application, and if you are approved for an RBC loan, the term for which the loan is available may not match the repayment period entered by you. Due to the foregoing, the payment schedule produced by the business loan calculator may differ from an actual payment schedule.

 

Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or calculations in connection with this business loan calculator. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any information or calculations, or any action or decision made by you in reliance on any information or calculations.

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This offer only applies to new applications for an RBC Avion Visa Infinite Business credit card received between August 25th, 2026 and November 30th, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Only the primary business owner on the RBC Avion Visa Infinite Business credit card account (“Credit Card Account”) is eligible for the offer; any additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders as of the offer eligibility period, as well as existing cardholders of any RBC Business credit cards transferring to the RBC Avion Visa Infinite Business credit card as of the Offer Period, are not eligible for this offer.

You will receive 45,000 welcome Avion points (“Welcome Points”) distributed as follows:

• 25,000 Avion points will appear on your monthly credit card statement within sixty (60) days after your application has been approved.
• 20,000 Avion points will appear on your monthly credit card statement within 60 days after your first purchase transaction posting date, provided your first purchase is posted to your Credit Card Account within the first three (3) months from your Credit Card Account opening date.

You will be eligible to receive up to 55,000 bonus Avion points if you meet the conditions below:

You will receive 20,000 Avion Points (“Bonus Points”) if (i) a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“3-month Period”). The Bonus Points will appear on your monthly credit card statement approximately 60 days after the 3-month Period.

You will receive an additional 35,000 Avion points (“Additional Bonus Points”) if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date (“6-month Period”). The Additional Bonus Points will appear on your monthly credit card statement approximately 60 days after the 6-month Period.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions. The amounts of $5,000 and $15,000 are calculated based on the transaction posting date of each Qualifying Transaction, not the transaction date. For example, this means that transactions that take place prior to the last day of the 3-month Period will not count toward the $5,000 if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the 3-month Period. However, these Qualifying Transactions may count toward the $15,000 for the 6-month Period if they are posted to your Credit Card Account right after the 3-month Period.

For more clarity, the amount of $5,000 in Qualifying Transactions and the amount of $15,000 in Qualifying Transactions are not cumulative, meaning that if a total of $15,000 in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date, including $5,000 within the first 3 months, you’ll be eligible for the Bonus Points and the Additional Bonus Points, provided you meet all other conditions. However, if you do not spend $5,000 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $15,000 in Qualifying Purchases in the first 6 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided you meet all other conditions. Only Qualifying Transactions made by the primary owner on the Credit Card Account count toward the amount of $5,000 and $15,000 in Qualifying Transactions.

The Welcome Points, Bonus Points and the Additional Bonus Points will be awarded to your Credit Card Account, provided your Credit Card Account is open and in good standing at the time they are awarded to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

Annual Fee waiver:

The primary business owner will be exempt from the annual fee for the first year. For clarity, any additional business owner(s) and cardholder(s) on the Credit Card Account are not eligible for the annual fee waiver.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Additional Bonus Points have been awarded to your account, you may lose the benefit of the offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.

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The value of “up to $2,175” is calculated based on (i) the Annual fee waiver of $175 for the first year, and (ii) the maximum ticket price of $2,000 when you redeem 100,000 Avion points based on the Air Travel Redemption Schedule for a round trip long-haul flight from any major gateway in Canada or the U.S. to almost anywhere in Asia, Australia, New Zealand, South Pacific, Middle East, Africa and South America. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit Terms And Conditions - Avion Rewards (opens in new window) or call 1-800 ROYAL 1-2 (1-855-567-7778).

1)

Includes the standard fees for posting electronic debit or credit transactions to the account and excludes any other services and transactions such as Interac e-Transfer transactions, Pay Employees & Vendors (PEV), cheques and cash deposited at RBC ATMs for which standard fees and charges apply.

2)

Only includes outgoing Interac e-Transfer transactions sent on the RBC Online Banking for business or RBC Edge platforms. Excludes all other Interac e-Transfer services such as Autodeposit, Request Money, Request Money Fulfillment and Bulk Interac e-Transfer service. Standard fees and charges apply for transactions exceeding the number included in the account package.

3)

Standard fees and charges apply for services and transactions exceeding the number included in the account package.

4)

Fee waiver applies only to the monthly package fee when the minimum daily balance is held for the entire month.

5)

Includes cheques deposited through the RBC Mobile app, RBC ATMs and ChequePro.

6)

Fee waiver applies only to the monthly package fee when the minimum daily balance is held for the entire month.

7)

Includes unlimited number of items deposited via an RBC branch, RBC ATM, RBC Mobile Cheque Deposit or Night and Day Deposit. Cost of processing an electronic credit or paper deposit to the account still applies, unless otherwise included.

8)

The Night and Day Deposit service may not be available in all areas. Fees and charges may vary based on location. Other fees and charges may apply.

10)

Annual cash back cap: $650.