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Our RBC Business Credit Cards

Browse our top business credit cards to find the card that works best for you.

Established Business
Powered by Avion Rewards (TM)

Avion Visa Infinite Business

Annual Fee

$175

OFFER

Get 35,000 Welcome Avion points upon approvaldisclaimer 1 - enough points to fly almost anywhere in Canada & the US.


Earn Avion points at an accelerated rate on purchases and get access to advanced reporting tools and extensive travel insurancesdisclaimer 2.

  • Earn 1.25 Avion points for every $1 spent in net purchases, up to $75,000 per yeardisclaimer 3
  • Flexibility to redeem your points for travel, merchandise, gift cards and moredisclaimer 4
  • Peace of mind while travelling with a suite of comprehensive insurance coveragesdisclaimer 2 including Mobile Device Insurancedisclaimer 5 and premium travel coverage, such as Trip Cancellation & Trip Interruptiondisclaimer 6 and more

Additional Card:

$75 (max. of 9 additional cards)

Purchase Rate:

19.99%

Cash Advance Rate:

22.99%


Apply Now to Avion Visa Infinite Business (opens in new window)
New Business Owner

Business Cash Back Mastercarddisclaimer

Annual Fee

$0


For the multitasking business owner who values cash back over rewards points – all with no annual fee.

  • Earn 2% cash back on purchases made on your card in the first three monthsdisclaimer *
  • Earn 1% cash back on purchases made on your card after three monthsdisclaimer *
  • Receive access to RBC Beyond Banking - a suite of professional services and offers
  • Extensive insurance coverage including Purchase Securitydisclaimer 2, Extended Warrantydisclaimer 2, and Fraud Prevention and Enhanced Securitydisclaimer 7

Additional Card:

$0 (max. of 1 additional card)

Purchase Rate:

19.99%

Cash Advance Rate:

22.99%


Apply Now to Business Cash Back Mastercard (opens in new window)
Growing Business
Powered by Avion Rewards (TM)

RBC Avion Visa Business

Annual Fee

$120

OFFER

Get 35,000 Welcome Avion points upon approvaldisclaimer 1 - enough points to fly almost anywhere in Canada & the US.


For the business owner looking for point redemption flexibilitydisclaimer 4 and premium insurance coveragedisclaimer 2 while simplifying their business accounting

  • Earn 1 Avion point for every $1 spent in net purchases with your carddisclaimer 8
  • Flexibility to redeem your points for travel, merchandise, gift cards and moredisclaimer 4
  • Peace of mind while travelling with a suite of extensive insurance coveragesdisclaimer 2 including Trip Cancellation & Trip Interruptiondisclaimer 6 rental car insurancedisclaimer 9 and more

Additional Card:

$50

Purchase Rate:

19.99%

Cash Advance Rate:

22.99%


Apply Now to RBC Avion Visa Business (opens in new window)

Why Do I Need a Business Credit Card?

Build a Credit History for Your Business

Making purchases on your card and paying off the balance in full and by the due date will help in building your business credit history for future financing needs.

Manage Expenses With Business Reporting Tools

Simplify business operations through powerful expense management tools and employee card controls.

Easily Issue Multiple Cards For Employees

Gain the ability to manage spend controls and credit limits on employee’s company cards.

Gain An Interest-Free Grace Period

Improving cash flow with an interest-free grace period (17 – 21 days depending on the type of credit card).

Learn More About Business Credit Cards

Exclusive Offers From Brands You Love

Our partner rewards offer great savings and perks from well-known brands

Petro-Canada

Link your cards and instantly save 3¢/L on gasdisclaimer 10 and earn 20% more Petro-Points and Avion pointsdisclaimer 11.

Rexall

Link your cards to earn 50 Be Well points on every $1 spent on eligible purchases at Rexalldisclaimer 12.

Hertz

Get up to 20% off at participating Hertzdisclaimer 13 and earn 3x the Avion pointsdisclaimer 14.

DoorDash

Add your eligible RBC credit card to your DoorDash account to get a free 3 or 12-monthdisclaimer 15 DashPass subscription.

Need Help Managing Your Business? We Are Here to Help

Call Our 24/7 Business Helpline

1-800-769-2520

Want to See More Business Products?

Visit RBC’s Business Site

Want access to professional services and offers?

Visit RBC’s Beyond Banking

Find the Right Credit Card For You

Help Me Choose

Top Credit Card FAQs

First, you’ll have to decide which card you want to apply for. You can use our credit card selector tool or narrow it down based on the category you prefer. Once you’ve decided which card is the right fit for you, you can apply online by clicking the Apply now button on the card of your choice. If you’re an existing RBC client, you can also apply through:

RBC Online Banking
Select Apply for a Business Credit Card on the top right of the Account Balances page to start your application

RBC Mobile App
Select More in the bottom navigation. Then under Products select Open an account and choose Credit Cards. Select the card you want and tap Apply Now.

Telephone
Call us at 1-800-769-2512 and an RBC Advisor will be happy to help find the right card for you.

A business credit card dedicated to your business needs is a great idea. Depending on the credit card and program selected, a business credit card offers numerous benefits such as:

  • Keeping track of business expenses and simplifying tax filing
  • Improving cash flow with an interest-free grace period (17 - 21 days depending on the type of credit card)
  • Gaining the ability to issue 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.

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 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 credit cards RBC has to offer, or explore our business advice section to get solutions and savings that can help your business thrive.

Yes, making purchases on your card and paying off the balance in full and by the due date will help in building your business credit history for future financing needs. If you can’t pay the balance in full, making at least the minimum payment every month will be an important factor in keeping your credit in good standing.

RBC is required to check each owner’s personal credit bureau information to adjudicate the business credit card application which may impact your personal credit score, but RBC does not report business credit card performance to the owner’s personal credit bureau.

As a business credit card, registered under the business name, these cards contribute to the business’ credit score performance only.

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 (PDF opens in new window), which protects businesses against certain unauthorized charges that may be made by employee cardholders.

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