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Whether you are a start-up or a large corporation, a business credit card can help you simplify the way you work, by helping you manage your business expenses.
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
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
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
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
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
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
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
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
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
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 ChartCompare Commercial Cards
Give your employees purchasing power and flexibility with one of the following Commercial Visa cards.
Commercial Avion Visa |
Commercial Cash Back Visa |
Commercial U.S. Dollar Visa |
Commercial Visa |
|
|---|---|---|---|---|
| Overview | ||||
| Who is it best for? | For those who want to earn travel rewards and the option to redeem points for flights, merchandise and more. | For companies that want to earn Cash Back credits based on company spend. | For those who travel regularly to the U.S. or who have frequent business with U.S. suppliers. | For those who want a low-fee option for business expenses. |
| Rewards & Savings | ||||
| RBC Rewards® | Earn 1 RBC Rewards point per $1 spent4 | No | No | No |
| Cash Back | No | 0.5% Cash Back credits on all eligible purchases (no cap)^ | No | No |
| Insurance Benefits | ||||
| Trip Cancellation6 | $1,500 per person to a maximum of $5,000 per trip | No | No | No |
| Trip Interruption6 | $5,000 per person to a maximum of $25,000 per trip | No | No | No |
| Flight Delay6 | $250 per person per day, to a maximum of $500 for a delay of 4 hours or more | No | No | No |
| Baggage Claim8 | $500 per person to a maximum of $2,500 for a delay of 4 hours or more | No | No | No |
| Travel Accident/ Common Carrier6 | $500,000 per person | No | No | No |
| Car Rental Collision/ Loss Damage7 | Coverage for the first 48 consecutive days per rental; MSRP up to $65,000 | No | No | No |
| Extended Warranty8 | Maximum of 1 year | |||
| Purchase Security8 | Maximum of $50,000 within 90 days of purchase | |||
| Zero Liability Protection†† | Insurance for unauthorized charges or fraud | |||
| Corporate Liability Waiver9 | Insurance for employee fraud: Up to $100,000 for employee misuse (after termination) | |||
| Details | ||||
| Annual Fee | $120 | $60 | $60 USD | $30 |
| Interest Rate | 19.99% | |||
| Cash Advance Rate | 21.99% | |||
®
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 RBC Royal Bank Business Credit Card Agreement (if you have a Business credit card) or in your Commercial Card Program Service Materials (if you have a Commercial credit card).
^
You will earn $0.50 back for every $100.00 (0.50% Cash Back Credit) in Net Purchases (including pre-authorized bill payments). 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.
*
Annual cash back cap : $650
**
Payback with Points redemptions will be applied as a payment towards the balance of the RBC Rewards credit card account you select, not towards a particular transaction. Also, Payback with Points redemptions cannot be converted into cash, a cheque or any other form. It will take two (2) to three (3) business days for your payment to be credited to your credit card account and for your available credit to be adjusted. For more details, review the RBC Rewards Terms & Conditions.
1)
To receive the 20,000 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points are only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder, as well as existing RBC Visa Business Platinum Avion cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
2)
Air Travel Reward redemptions from the Air Travel Redemption Schedule are 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).
3)
Coverage underwritten by RBC Insurance Company of Canada. All insurances subject to conditions and limitations. For more details, please refer to the insurance certificates that will come with your card.
4)
RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
5)
All rewards are subject to availability. Point redemption values may fluctuate. Merchandise may change without prior notice. For RBC Rewards merchandise, shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit www.rbcrewards.com.
6)
Coverage underwritten by RBC Insurance Company of Canada.
7)
This feature is only available to Business Owners. Supplementary cardholders who also have a personal Platinum Avion card or Visa Infinite Avion card are not eligible to combine points. If there are multiple Business Owners I) combining RBC Rewards points between business and personal Platinum Avion or Visa Infinite Avion cards is only available to one Business Owner, II) RBC Rewards points from all Business Platinum Avion cards can only be combined into the account of one Business Owner, and III) only that Business Owner will also be able to combine RBC Rewards between his/her business and personal Platinum Avion or Visa Infinite Avion cards.
8)
Subject to credit approval. If you are a Primary Business Cardholder on a Visa Business Platinum Avion account (“Business Avion”) and you also are the primary cardholder on a personal Visa Platinum Avion or Visa Infinite Avion account (“Personal Avion”), the annual fee of either your Business Avion or Personal Avion card, at your choice, will be rebated from $120 to $50, every year, as long as you remain a Primary Business Cardholder on the Business Avion account and a primary cardholder on the Personal Avion account and both cards are in good standing. If you have more than one Personal Avion or Business Avion cards, the annual fee of that additional card will continue to be $50. No rebate will be applied retroactively, which means that depending on which card you want the rebate to be applied to, you may have to wait to your next annual renewal to benefit from the rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time.
9)
Coverage underwritten by RBC Insurance Company of Canada.
10)
Coverage underwritten by RBC Insurance Company of Canada.
11)
Coverage underwritten by Aviva General Insurance Company.
12)
Coverage underwritten by Aviva General Insurance Company in Quebec and by RBC Insurance Company of Canada in the rest of Canada.
13)
Coverage underwritten by Royal & Sun Alliance Insurance Company of Canada.
14)
Subject to credit approval. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 0.9% and 6.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. As of the date of this letter, the Prime Rate is: 2.7%. The Prime Rate may fluctuate from time to time. It can be found in all our branches or online at www.rbcroyalbank.com/rates.
15)
Assured Assistance Inc. cannot accept responsibility for the actual performance of any person or company made available to assist you.
16)
Up to your available credit in Canadian funds. Subject to daily limits.
17)
Discounts provided will appear as credits on your monthly credit card statements 8-10 weeks after purchase date. All terms, conditions and restrictions applicable to the Visa SavingsEdge Program are established by Visa Canada Corporation ("Visa"). Visa, not Royal Bank of Canada, is responsible for the Program. For details, visit www.visasavingsedge.ca.
18)
Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system (a “Qualifying Purchase”). All insurance is subject to limitations and exclusions. Please refer to the Certificate of Insurance in your welcome kit for complete details.
19)
Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Visa Business Platinum Avion card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Visa Business Platinum Avion card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages.
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
Let us find a tailored solution just for you
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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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View Legal DisclaimersHide Legal Disclaimers
®
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 RBC Royal Bank Business Credit Card Agreement (if you have a Business credit card) or in your Commercial Card Program Service Materials (if you have a Commercial credit card).
^
You will earn $0.50 back for every $100.00 (0.50% Cash Back Credit) in Net Purchases (including pre-authorized bill payments). 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.
*
Annual cash back cap : $650
**
Payback with Points redemptions will be applied as a payment towards the balance of the RBC Rewards credit card account you select, not towards a particular transaction. Also, Payback with Points redemptions cannot be converted into cash, a cheque or any other form. It will take two (2) to three (3) business days for your payment to be credited to your credit card account and for your available credit to be adjusted. For more details, review the RBC Rewards Terms & Conditions.
1)
To receive the 20,000 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points are only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder, as well as existing RBC Visa Business Platinum Avion cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
2)
Air Travel Reward redemptions from the Air Travel Redemption Schedule are 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).
3)
Coverage underwritten by RBC Insurance Company of Canada. All insurances subject to conditions and limitations. For more details, please refer to the insurance certificates that will come with your card.
4)
RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
5)
All rewards are subject to availability. Point redemption values may fluctuate. Merchandise may change without prior notice. For RBC Rewards merchandise, shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit www.rbcrewards.com.
6)
Coverage underwritten by RBC Insurance Company of Canada.
7)
This feature is only available to Business Owners. Supplementary cardholders who also have a personal Platinum Avion card or Visa Infinite Avion card are not eligible to combine points. If there are multiple Business Owners I) combining RBC Rewards points between business and personal Platinum Avion or Visa Infinite Avion cards is only available to one Business Owner, II) RBC Rewards points from all Business Platinum Avion cards can only be combined into the account of one Business Owner, and III) only that Business Owner will also be able to combine RBC Rewards between his/her business and personal Platinum Avion or Visa Infinite Avion cards.
8)
Subject to credit approval. If you are a Primary Business Cardholder on a Visa Business Platinum Avion account (“Business Avion”) and you also are the primary cardholder on a personal Visa Platinum Avion or Visa Infinite Avion account (“Personal Avion”), the annual fee of either your Business Avion or Personal Avion card, at your choice, will be rebated from $120 to $50, every year, as long as you remain a Primary Business Cardholder on the Business Avion account and a primary cardholder on the Personal Avion account and both cards are in good standing. If you have more than one Personal Avion or Business Avion cards, the annual fee of that additional card will continue to be $50. No rebate will be applied retroactively, which means that depending on which card you want the rebate to be applied to, you may have to wait to your next annual renewal to benefit from the rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time.
9)
Coverage underwritten by RBC Insurance Company of Canada.
10)
Coverage underwritten by RBC Insurance Company of Canada.
11)
Coverage underwritten by Aviva General Insurance Company.
12)
Coverage underwritten by Aviva General Insurance Company in Quebec and by RBC Insurance Company of Canada in the rest of Canada.
13)
Coverage underwritten by Royal & Sun Alliance Insurance Company of Canada.
14)
Subject to credit approval. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 0.9% and 6.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. As of the date of this letter, the Prime Rate is: 2.7%. The Prime Rate may fluctuate from time to time. It can be found in all our branches or online at www.rbcroyalbank.com/rates.
15)
Assured Assistance Inc. cannot accept responsibility for the actual performance of any person or company made available to assist you.
16)
Up to your available credit in Canadian funds. Subject to daily limits.
17)
Discounts provided will appear as credits on your monthly credit card statements 8-10 weeks after purchase date. All terms, conditions and restrictions applicable to the Visa SavingsEdge Program are established by Visa Canada Corporation ("Visa"). Visa, not Royal Bank of Canada, is responsible for the Program. For details, visit www.visasavingsedge.ca.
18)
Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system (a “Qualifying Purchase”). All insurance is subject to limitations and exclusions. Please refer to the Certificate of Insurance in your welcome kit for complete details.
19)
Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Visa Business Platinum Avion card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Visa Business Platinum Avion card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages.