Our RBC Business Credit Cards
Browse our top business credit cards to find the card that works best for you.
Avion Visa Infinite Business
Annual Fee
$175
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%
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%
RBC Avion Visa Business
Annual Fee
$120
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%
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).
Exclusive Offers From Brands You Love
Our partner rewards offer great savings and perks from well-known brands

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

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

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

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
Find the Right Credit Card For You
Help Me ChooseTop 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.
Annual cash back cap : $650
Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments.
You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions (opens to external site in new window).
Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, Avion Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC Cathay Pacific Visa Platinum, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business cardholder.
You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
3 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an Avion Rewards+ Visa, Signature Avion Rewards Visa, RBC Visa Platinum, RBC Visa Cash Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option, RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, Avion Rewards Visa Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa Business, RBC Visa Business Gold, RBC Visa CreditLine for Small Business, or RBC Business Cash Back Mastercard.
You are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf (PDF opens in new window).
DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass visit www.doordash.com/dashpass (opens to external site).