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Business Credit Cards

Get More From Your Business Spending

  • Your annual business sales revenue is under $3 million
  • You’re looking for simple, secure and convenient payment options
  • Help improve your cash flow by extending your days payable

Avion Visa Infinite Business

Earn RBC Rewards points at our fastest rate for business.

  • Receive 25,000 welcome points upon enrollment1
  • Earn 1.25 RBC Rewards points for every $1 spent in net purchases with your card, on up to $75,000 per year2
  • Enjoy a suite of premium insurance coverages† – including Mobile Device Protection3 and Emergency Medical.
  • Access to industry-leading card management and reporting tools

Purchase Rate:
19.99%

Annual Fee:
$175

Additional Card:
$75 (maximum of 9 additional cards)

View Details about Avion Visa Infinite Business

Best for Business Owners who:

  • Want to earn RBC Rewards points at an accelerated rate – with redemption flexibility5

  • Need the ability to manage spend controls and credit limits on employee cards

  • Want access to customized business reporting

  • Are looking to combine the points earned on their employees’ Avion Infinite Business cards into one account, and pool points between business and personal Avion cards6

Moneris to accept debit and credit card payments

Royal® Business OperatingLine to borrow money

Visa Business Platinum Avion

Earn RBC Rewards points on every business purchase.

  • Receive 20,000 welcome points upon enrollment7
  • Earn 1 RBC Rewards point for every $1 spent in net purchases with your card4
  • Enjoy a suite of premium insurance coverages†

Purchase Rate:
19.99%

Annual Fee:
$120

Additional Card:
$50

View Details about Visa Business Platinum Avion

Best for Business Owners who:

  • Want to earn RBC Rewards points – with redemption flexibility5

  • Are looking to combine the points earned on their employees’ Avion Business cards into one account, and pool points between business and personal Avion cards6

Moneris to accept debit and credit card 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 months8.
  • Earn 1% cash back* on card purchases after that8
  • No annual fee

Purchase Rate:
19.99%

Annual Fee:
$0

Additional Card:
$0 (maximum of 1 additional card)

View Details about Business Cash Back Mastercard

Best for Business Owners who:

  • Are interested in earning cash back, not rewards points

  • Prefer a no annual fee card

  • Are looking to manage business cash flow and want easy-access to credit when needed

Moneris to receive POS 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

  • Keep your business and personal expenses separate 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 Business Owners who:

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

  • Prefer for a low annual fee

  • Want to improve their cash flow with immediate access to credit

Moneris to receive POS payments

Royal® Business OperatingLine to borrow money

Visa 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

  • Earn 1 RBC Rewards point for every $2 spent with your card4
  • A competitive low interest rate.
  • No annual fee

Purchase Rate:
From Prime + 2.9% to 11.9%9

Annual Fee:
$0

Additional Card:
$0 (maximum of 1 additional card)

View Details about CreditLine for Small Business

Best for Business Owners who:

  • Own a small business that doesn’t require multiple employee cards

  • Want to earn RBC rewards points with no annual fee and a low interest rate

  • Want an unsecured line of credit in the convenience of a credit card

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 a powerful card management and reporting tool that allows you to make changes and view all of your cards in real time — access to RBC NextLogic® is available only on RBC Commercial credit cards
  • You want to integrate transaction-level data into expense management systems such as Concur, Certify, Expensify, amongst others
  • You’d like to realize savings through improved compliance to expense policies
  • You want to extend days payable up to 51 days⁺, identify opportunities for supplier negotiations and reduce manual reconciliation
Have a specialist contact you

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Commercial Avion Visa

Earn RBC Rewards® points on purchases and access RBC NextLogic, a powerful card management and reporting tool.

  • Receive 25,000 welcome points upon enrollment∆

  • Earn 1 RBC Rewards point for every dollar spent in purchases4 and redeem for travel, merchandise, gift cards and more5

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

  • Extensive insurances to protect your company, cardholders and employees in the event of the unexpected†

View Details about Commercial Avion Visa

Best for:

  • Companies looking for a premium travel rewards program to help offset expenses and gain value on business purchases

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

  • Need the flexibility a real time card management and reporting tool provides

  • Companies that want premium travel and mobile phone3 insurance coverage†

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
  • 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 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

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

Avion Visa Infinite Business

Earn RBC Rewards points on every business purchase and redeem for travel, merchandise, gift cards and more.

More About Avion (Avion Visa Infinite Business)

Business Cash Back Mastercard

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

More About Cash Back

Commercial Avion Visa

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

More About Avion

Ready to Get Started?

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Less Than 10 Employees
More Than 10 Employees
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All insurance is subject to limitations and exclusions. Please refer to the product’s insurance certificates for complete details.
Annual cash back cap: $650.
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.
To receive the 25,000 bonus RBC Rewards points, your application must be approved by us. Upon enrolment, 25,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points offer is only offered to the Commercial Applicant and will be credited to the Recipient Account tied to the Commercial Applicant, solely for the benefit of either: (A) the Commercial Applicant; or (B) one (1) designated Points Owner, at the Commercial Applicant's choice. Existing Commercial Applicants 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. For complete details, including the meaning of capitalized terms, please refer to the RBC Rewards Program Terms and Conditions available at rbcrewards.com/terms-and-conditions.
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.
To receive the 25,000 bonus RBC Rewards points (“Bonus”), your application must be approved by us. Upon enrolment, 25,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus is only offered to the Primary Business Cardholder on the account. Additional Primary Business Cardholder(s); Secondary Business Cardholder(s), as well as existing RBC Avion Visa Infinite Business or RBC Commercial Avion Visa cardholders 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 cancel, modify or withdraw this offer at any time.
You will earn: (i) 1.25 RBC Rewards point per $1 in net purchases you make with your card, up to a maximum of $75 000 in net purchases per Annual Period, and (ii) 1 RBC Rewards point per $1 in net purchases you make with your card in excess of $75 000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don't necessarily line up with the beginning and end of a calendar month. RBC Rewards points are earned on net purchases only; they 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 points earned by the amounts originally charged. For more details on the RBC Rewards program, please visit: rbcrewards.com/terms-and-conditions.
Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
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.
All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: rbcrewards.com/terms-and-conditions or call 1-800 ROYAL® 1-2 (1-800-769-2512).
All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: rbcrewards.com/terms-and-conditions or call 1-800 ROYAL® 1-2 (1-800-769-2512).
This feature is only available to Primary Business Cardholders. Employees 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 Avion Visa Business Infinite 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 points between his/her business and personal Platinum Avion or Visa Infinite Avion cards.
To receive the 20,000 bonus RBC Rewards points (“Bonus”), your application must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus is only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder, as well as existing RBC Visa Business Platinum Avion cardholders 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 cancel, modify or withdraw this offer at any time.
You will earn i) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) and, ii) for the first 3 full monthly statement periods (approximately 3 months from the date your Account is opened), you will earn an additional $1.00 back for every $100.00 (1% Cash Back Credit welcome bonus, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum combined Cash Back Credit of $650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For clarity, the additional 1% Cash Back Credit welcome bonus will only apply for the first 3 full monthly statement periods in your first Annual Period. 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, and/or ii) be credited at any other time, upon request. 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. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. For complete details, including the meaning of capitalized terms, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms. Royal Bank of Canada reserves the right to withdraw or amend this benefit at any time.
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 2.9% and 11.9%. 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. The Prime Rate may fluctuate from time to time. It can be found in all our branches or online at www.rbcroyalbank.com/rates.
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