Business and Commercial Credit Cards

It depends on the type of RBC credit card, the program you apply for, and whether you’re an existing RBC client already. RBC offers credit cards for small, medium, or large businesses. To find the right credit card for your business needs, and the documentation required to be eligible, explore our business and commercial programs or use our Digital Business Tool to get a recommendation for your business.

Yes, your business-related expenses, payments, and usage habits will help in building credit in the name of your business for future financing needs. It does not impact your credit score on a credit bureau.

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

• Keeping track of business expenses and simplifying tax filing
• Maximizing cash flow with an interest-free grace period (17 - 21 days depending on the type of credit card)
• Building better relationships with suppliers by paying on time
• Getting access to 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.

No, your business or commercial credit card will not affect your personal credit score. Your business credit score is built off the financial history of the business itself, not your personal spending habits. The business or commercial credit card should be registered under your business name for tax purposes as well as to build your business credit.

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

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