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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

Explore Small Business Credit Cards

Avion Visa Infinite Business

Earn Avion points at our fastest rate for business.

  • Get 35,000 Avion points upon approval1 – Travel value of up to $750! Enough to fly almost anywhere in Canada & the U.S.! Taxes & fees extra. Alaska & Hawaii require more points.
  • NO annual fee for the 1st year - $175 immediate saving! 1
  • 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 Avion points + 1st year annual fee waived upon approval1
  • 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
Explore Commercial Credit Cards

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.

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Commercial Avion Visa

Earn Avion® points on purchases and access RBC NextLogic, a powerful card management and reporting tool.

  • Receive 25,000 welcome points upon enrollment

  • Earn 1 Avion point for every dollar spent in purchases4 and redeem for travel, merchandise, gift cards and more5

  • Extensive insurances to protect your company, cardholders and employees in the event of the unexpected

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

  • Earn 0.5% Cash Back on eligible purchases, with no limit to the amount you can earn^
  • Cash out your Cash Back credits any time you reach $25 - or let your balance add up throughout the year^^

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

  • 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

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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, which protects businesses against certain unauthorized charges that may be made by employee cardholders.

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