Get up to 100,000 Avion points & a 1^st year fee waiver^{^} - up to $2,175 in value^*

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

This offer only applies to new applications for an RBC Avion Visa Infinite Business credit card received between August 25^th, 2026 and November 30^th, 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.

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

ADDITIONAL FEES:

• Cash Advance Fee: $3.50 in Canada and $5.00 outside of Canada
• Dishonoured Payment Fee: $45.00
• Overlimit Fee: $29.00
• Additional Copy Fee: $5 for a monthly statement, $1.50 for a monthly statement update at the ATM, $2 for a transaction receipt that does not relate to the current monthly statement.
• Foreign Currency Transaction Fee: Foreign currency transactions are converted to Canadian dollars at an exchange rate that is 2.5 % over a benchmark rate that Royal Bank of Canada pays on the date of the conversion.

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

To be eligible for the RBC Avion Visa Infinite Business credit card, you must meet one of the following minimum requirements. You must declare: (i) a minimum annual personal income of $60,000, a minimum annual household income of $100,000, a minimum annual business sales revenue of $500,000, minimum assets under management of $250,000 or more, or (ii) a current annual credit card spend of $30,000 or more. If you do not meet at least one of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada may consider your application for the RBC Avion Visa Business credit card. For complete details on the features of the RBC Avion Visa Infinite Business credit card, please visit rbc.com/avib or call 1-855-852-2911. For complete details on the features of the RBC Avion Visa Business credit card, please visit rbc.com/businessavion or call 1-855-852-2911.

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 or call 1-800 ROYAL 1-2 (1-800-769-2512).

You will earn (i) 1.25 Avion points for every $1 in net purchases you charge to your credit card, up to a maximum of $75,000 in net purchases per Annual Period, and (ii) 1 Avion point for every $1 in net purchases you charge to your credit card in excess of $75,000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new RBC Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don’t necessarily align with the beginning and end of a calendar month. Avion points are earned on net purchases only; they are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit avionrewards.com/terms-and-conditions.

All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com/terms-and-conditions or call 1-800 ROYAL^® 1-2 (1-800-769-2512).

Terms and conditions apply. For complete details, please visit: avionrewards.com/terms-and-conditions.

The 21-day interest-free grace period represents the number of days between the last day of your monthly statement period and your payment due date. “51 days to pay your invoices” refers to the maximum number of interest-free days before you must pay your RBC Avion Visa Infinite Business credit card after a purchase is made (based on the 21-day interest-free grace period and a payment term of 30 days). To achieve this, you must use your RBC Avion Visa Infinite Business credit card to pay your invoices on the very last day of your 30-day payment term and ensure the payment is posted on the first day of your next monthly statement period.

Primary business cardholders (“Cardholders”) with an RBC Avion Visa Infinite Business credit card (“Eligible Credit Card”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. (“DragonPass”). Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using their Eligible Credit Card. Upon enrollment, Cardholders and their guests can access participating lounges by paying a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Visa and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Visa and RBC’s own privacy policies. Other terms and conditions apply. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor RBC is responsible for any claims or damages arising from participation in the Program. Visa reserves the right to modify or cancel this Program at any time and without prior notice.

There is no fee for the Visa Infinite Business Concierge services, however you are responsible for the cost of goods or services (including any related fees or costs) acquired on your behalf or provided by Visa Infinite Business Concierge. All costs will be charged directly to your RBC Avion Visa Infinite Business account. Royal Bank of Canada is not responsible for the actual performance of any person, company or product made available to you through the Visa Infinite Business Concierge. For complete details, go to www.visainfinite.ca.

The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details, available at avionrewards.com/terms-and-conditions

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Clients will only be able to link up to two (2) Business Credit Cards and one Business Debit Card to a Petro-Points card. Any/every/your card means an RBC Card that is linked to a Petro-Points card. A linked RBC Member means you have an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”) that is linked to a Petro-Points card. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. Your Linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your Linked RBC card at Petro-Canada Locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card. Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your Linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at http://www.petro-points.com/terms. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

Only certain RBC credit cards earn Avion points. Each time you use your Linked RBC Card that earns Avion points to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion Rewards points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

Coverage underwritten by RBC Insurance Company of Canada.

The 17-day interest-free grace period represents the number of days between the last day of your monthly statement period and your payment due date. “47 days to pay your invoices” refers to the maximum number of interest-free days before you must pay your RBC Avion Visa Business credit card after a purchase is made (based on the 17-day interest-free grace period and a payment term of 30 days). To achieve this, you must use your RBC Avion Visa Business credit card to pay your invoices on the very last day of your 30-day payment term and the payment must be posted on the first day of your next monthly statement period.

Avion points are earned on net purchases only; they are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the Avion points earned by the amounts originally charged.

Your RBC Avion Visa Business credit card account (“Account”) remains open and in good standing. However, Avion points will be forfeited twelve (12) months after: (i) you voluntarily close your Account, or (ii) RBC closes your Account for any reason other than for cause. For complete details, please refer to the Avion Rewards Terms and Conditions available at: https://www.avionrewards.com/terms-and-conditions/index.html

Terms and conditions apply. For complete details, please visit avionrewards.com/terms-and-conditions.

Please see the “2026’s Best Credit Cards In Canada” article on the creditcardGenius blog.

To participate in the Linked Loyalty Program, you must have an eligible debit or credit card that is issued by RBC Royal Bank of Canada (full list of cards is available at https://linkedloyalty.avionrewards.com/triangle-rewards/linked-loyalty-terms-en.pdf.) (“eligible RBC Card’), be enrolled in RBC Online Banking, be a registered member of the Triangle Rewards Program, link your eligible RBC Card to your Triangle Rewards Account and comply with the Linked Loyalty Program Terms and Conditions. Any/every card means an eligible RBC card that is linked to a Triangle Rewards account.

Electronic Canadian Tire Money (“CT Money^®”) can be earned and redeemed on qualifying items at Canadian Tire and at designated Partner locations. Terms and conditions apply to earning and redeeming CT Money. Your participation in the Triangle Rewards Program is governed by the Triangle Rewards Program Terms and Conditions. Also refer to the Partner page on the Program website for qualifying items at Partners. Please note that you will not earn CT Money on purchases made using a Linked RBC Card at any other retailer.

Once you link your RBC Credit or an RBC Debit Card to your Triangle Rewards Account (“RBC Linked Card”), you’ll earn 3X CT Money, consisting of the .4% base rate earned by Triangle Rewards members X 3 for a total of 1.2% of the pre-tax amount of the purchase each time you present your Triangle Rewards card/key fob or any approved Cardless Method and use your Linked RBC Card to pay for qualifying purchases at Canadian Tire or Designated Partner Locations. The 3X CT Money is exclusive of any bonus or promotional offers. CT Money you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase after the CT Money has been processed and issued to the Triangle Rewards Account.