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Commercial Cash Back Visa

commercial cash back visa card

Control, Insights and Unlimited Cash Back

Earn 0.5% Cash Back credits on all purchases, with no limit to the amount you can earn^. Access powerful card management and virtual credit card payment tools with RBC NextLogic – only available through the RBC Commercial Card program.

Reward Type: Cash Back

Purchase Rate: 19.99%3

Annual Fee: $60

This Card Is Good for Your Business If:

  • You want to earn Cash Back credits for your company

  • Need insights through powerful card management and reporting tools

  • Want to improve cash flow by extending the company's days payable up to 51 days∆

  • To create virtual credit cards to pay suppliers or give to employees

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business?

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Key Features

Easy and Convenient to Earn Cash Back

Earn 0.5% Cash Back credits on all purchases, with no restrictions or caps^

Redeem Cash Back Credits When and How You Want
  • Cash out your cash back credits any time you reach $25 - or let your balance add up throughout the year^^
  • You have the option to choose to have your Cash Back reward applied toward your overall credit card account balance or deposited into a business deposit account.
Take Control of Your Company’s Expenses

RBC NextLogic is a self-serve, easy-to-use online tool that lets you manage spend controls and credit limits on your expense cards in real-time, share credit limits between cards, view balances, customize reports, search transactions and retrieve monthly card statements.

NEW: Use virtual credit cards to securely pay suppliers or enable employees who do not have a company credit card

At no additional cost, RBC NextLogic allows your company to create unique single- or multi-use virtual credit cards to pay suppliers or give to employees, instead of sharing your actual credit card information

Protection

1

Protects eligible business purchases charged to your Commercial Cash Back Visa card against theft, loss or damage for 90 days from the date of purchase.

1

Doubles the manufacturer's original Canadian warranty by up to one additional year. This valuable coverage protects all eligible business items that are purchased on the card.

2

Protects your business against unauthorized charges by employees up to $100,000.

††

Eliminates company liability for fraudulent card transactions.

Additional Benefits

Use Visa payWave when paying for small purchases. Just tap your card and you’re on your way.

Both the business name and cardholder name appear on the card, allowing your employees to present themselves as business professionals.

Ready to Apply?

Contact Your RBC Royal Bank Account Manager
Have a Specialist Contact You

You May Also Be Interested In:

Documentation
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Premium Online Banking

Manage multiple entities and delegate banking to others through RBC Express® online banking.

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Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
All other trademarks are the property of their respective owner(s).
You are protected with Zero Liability protection, which means you are not liable for fraudulent charges provided you have taken reasonable precautions to protect your PIN and your card, as set out in your Commercial Card Program Service Materials.
51 more days refers to the maximum number of interest-free days before you must pay your RBC credit card after a purchase is made (based on a card with a 21 day grace period). To achieve this you must use your credit card to pay your supplier and ensure the payment is posted immediately after your statement closes.
You will earn $0.50 back for every $100.00 (0.50% Cash Back Credit) in Net Purchases (including pre-authorized bill payments, unlimited, each time an RBC Commercial Cash Back Visa is used to pay). Cash Back Credits 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 Cash Back Credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms
Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain 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 cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms
Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
Provided by Royal Bank of Canada
Purchase Rate: 19.99% (20.99%, as of April 1, 2023)
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