What Do You Need Out of a Credit Card?

Find a solution that fits the unique needs of your business – are you looking for the speed, convenience and security of a credit card or an expense solution with self-serve card management and reporting?

Business Credit Cards

Get More From Your Business Spending

  • Your annual revenue is under $3 million
  • You’re looking for secure and convenient payment options

Visa Business Platinum Avion

Manage business expenses while earning RBC Rewards points.

  • Earn 20,000 welcome points upon enrollment
  • Earn 1 RBC Rewards point for every $1 spent on your card4
  • Combine points earned on your employees’ Business Avion cards and between your business and personal Avion accounts
  • Use your points for anything from travel, merchandise, gift cards and more or convert points to pay back your balance

Purchase Rate:
19.99%

Annual Fee:
$120

Additional Card:
$50

View Details about Visa Business Platinum Avion

Best for:

  • Owners who want to collect RBC Rewards points - with redemption flexibility

  • A built-in suite of premium insurance coverage

Moneris to accept debit and credit card 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

  • Separate your business and personal expenses for simpler tracking and managing of your business expenses
  • Build a credit history in the name of your business

Purchase Rate:
19.99%

Annual Fee:
$12

Additional Card:
$12

View Details about Visa Business Card

Best for:

  • Businesses looking for a quick, convenient way to make everyday purchases

  • Those looking for a low annual fee

  • Owners who want to improve their cash flow with immediate access to credit

Moneris to receive POS 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 months, then earn 1% cash back on card purchases* after that.
  • No annual fee
  • Apply your cash back credit at any time, once your cash back balance reaches $25

Purchase Rate:
19.99%

Annual Fee:
$0

Additional Card:
$0

View Details about Business Cash Back Mastercard

Best for:

  • Small and growing small businesses

  • Owners interested in earning cash back, not rewards points

  • Those who prefer a no annual fee card

  • Managing business cash flow and easy-access to credit when needed

Moneris to receive POS payments

Royal® Business OperatingLine to borrow money

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.

  • No fee, with a competitive low interest rate from Prime + 0.9% to 6.9%14
  • Earn 1 RBC Rewards point for every $2 spent with your card4
  • Use points to invest in your business, reward yourself or incent employees

Purchase Rate:
From Prime + 0.9% to 6.9%14

Annual Fee:
$0

Additional Card:
$0 (maximum of 2 cards)

View Details about CreditLine for Small Business

Best for:

  • Small businesses that don’t require employee cards

  • Owners who want an unsecured line of credit in the convenience of a credit card

  • Those who want to earn rewards with no annual fee and a low interest rate

Moneris to receive POS payments

Royal® Business OperatingLine to borrow money

Commercial Card Program

More Control Over Your Company’s Travel and Purchasing Expenses, More Flexibility for Your Employees

  • Your annual revenue is over $3 million
  • You’re looking for self-serve card management and reporting
  • You want to integrate transaction-level data into expense management systems such as Concur, Certify, Expensify, amongst others
  • Realize savings through improved compliance to expense policies
  • Potentially extend days payable up to 51 days, opportunities for supplier negotiations and reduction of manual reconciliation
Have a specialist contact you

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Commercial Avion Visa

Earn RBC Rewards points on purchases and access powerful card management and reporting tools.

  • Earn 1 RBC Rewards point for every dollar spent in purchases4

  • Redeem your RBC Rewards points for travel, merchandise5 and gift cards or make a payment towards your credit card balance**

  • Access to RBC NextLogic, a powerful card management and reporting tool

View Details about Commercial Avion Visa

Best for:

  • Companies looking for rewards to help offset expenses

  • Those who want flexibility in how they can use their points including roll-up or individual earn

  • Businesses who want premium travel insurance coverage6

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^^

  • Use your Cash Back credits to pay down your balance or reinvest in your business

View Details about Commercial Cash Back Visa

Best for:

  • Companies who want to offset business expenses through cash back

  • Growing to mid-sized businesses

  • Businesses looking for card management and controls

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

  • Access to RBC NextLogic, an easy-to-use online tool that lets you manage spend controls and credit limits in real time

View Details about Commercial U.S. Dollar Visa

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

  • Access to RBC NextLogic, an easy-to-use online tool that lets you manage spend controls and credit limits in real time

View Details about Commercial Visa

Best for:

  • Companies looking for a low annual fee commercial credit card option

  • Growing and mid-sized businesses and not-for-profit organizations

Compare Cards

Take a closer look at the differences between RBC Commercial cards.

View Comparison Chart

Cards for Large Corporations

Large corporations requiring complex expense and purchase card programs with advanced card management, reporting and data capabilities

U.S. Bank Canada Corporate Card

A payment option for travel and entertainment expenses, with detailed transaction data to track policy compliance and supplier management.

Best for:

  • Companies looking for a complete business travel expense management system

U.S. Bank Canada U.S. Dollar Corporate Card

A corporate card that eliminates the hassle and costs associated with travel and entertainment expenses incurred in U.S. dollars.

Best for:

  • Companies that do business in the U.S.

  • Organizations looking for a complete cross-border business travel expense management system

U.S. Bank Canada Purchasing Card

A payment solution that allows your company to easily acquire the goods and services you need to do business by streamlining time and paper intensive procure-to-pay processes.

Best for:

  • Companies looking for specialty cards such as purchasing, ghost or meeting cards

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Our Most Popular Credit Cards

Business Platinum Avion

Earn valuable RBC Rewards® points while managing your business expenses.

Business Cash Back Mastercard

Get cash back on your purchases to reinvest in your business.

Commercial Avion Visa

Earn RBC Rewards® points on purchases and access powerful card management and reporting tools.

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