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A card that lets you make the most of your business spending

Enjoy a faster way to earn RBC Rewards points on all your business purchases with the card designed to reward passionate business owners like you. Plus, you’ll have access to industry-leading reporting tools to help you make more informed decisions about your business.

Find a Branch 1-800-769-2520

1-800-769-2520

Annual Fee: $175

Additional Card: $75
(max. of 9 additional cards)

Purchase Rate: 19.99%

Cash Advance Rate: 22.99%

This Card is Good for a Business Owner Who Wants:

To earn RBC Rewards^® points at an accelerated rate on all their business purchases
Access to a premium rewards program with flexibility to redeem your points for travel, merchandise, gift cards and more⁷, or to pay down your credit card balance⁹
Peace of mind while travelling with a suite of comprehensive insurance coverages^* including Mobile Device Insurance⁵
To simplify business operations through powerful expense management tools and employee card controls

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Key Features

Earn RBC Rewards Points

Earn 1.25 RBC Rewards points for every $1 spent in net purchases with your card, on up to $75,000 per year² – see how quickly your points can add up when you use your card for all your business spending!

Premium Travel Benefits

Enjoy access to over 1200 airport lounges worldwide with a Priority Pass^‡ membership³. Plus, our most comprehensive insurance coverage^* protects your mobile device and provides valuable peace of mind while you’re travelling.

Powerful Reporting Tools & Card Controls

Streamline your business expense tracking with access to customized reports, card transaction data and photos of your paper receipts. Plus, Visa^‡ Payment Controls allows you to set spending limits and restrictions for each employee card.

Rewards

Earn Points

Earn 1.25 RBC Rewards points for every $1 spent in net purchases with your card, on up to $75,000 per year²
Enjoy 25,000 welcome points upon enrollment¹
Calculate your annual rewards potential

Redeem Rewards

Book any flight, on any airline at anytime⁶. Take a look at our Air Travel Redemption Schedule to see how you can make the most of your points!
You can also use your points to redeem for vacation packages, hotels, cruises and tours.
Redeem your points for other great stuff including the latest Apple^‡ products, over 50,000 tech products at Best Buy^‡, and an amazing selection of merchandise and gift cards⁷ that you can use to enhance your business or to reward employees.
Use your RBC Rewards points to redeem for RBC Financial Rewards^® vouchers⁸ or to pay down your credit card balance⁹.

RBC Rewards

Discover all of the ways you can redeem RBC Rewards points. Whether you want to reward yourself or your employees – or invest in your financial future or the success of your business – there are so many exciting options to choose from.

Learn More about RBC Rewards

RBC Offers

Sign in with your business account to see your offers from great brands. Load offers to get cash savings or bonus RBC Rewards points on business spend.

Learn More about RBC Rewards

Reporting & Controls

Visa Business Reporting

This simple and powerful tool allows you to access and track card transaction data, helping you manage your cash flow more efficiently and make more informed decisions about your expenses.

Receipt App

Use your phone to capture a photo of your paper receipts, enabling you to easily keep track of your business expenses in real time.

Visa Payment Controls

Improve your expense management processes with a tool that lets you decide where, when and how your money is used. Set controls that limit employee credit card use by dollar amount spent, time of day or week, merchant category, and more.

Insurance & Protection

Mobile Device Insurance⁵

Get 2 years of coverage up to $2,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure⁵.

Out of Province/Country Emergency Medical

You’re covered for eligible emergency medical expenses incurred during the first 15 consecutive days of your trip while travelling outside the province or country (applies if you are under 65 years of age. If you’re 65+ coverage is provided for the first 3 consecutive days of your trip)¹⁰.

Lost or Stolen Baggage Insurance

Should your checked baggage get lost or stolen, to replace your items you may be reimbursed up to $1,000⁵.

Travel Accident Insurance

Covers you in the event of an accidental bodily injury resulting in a loss, including death, while travelling on a common carrier, for up to $500,000 CAD¹¹.

Emergency Purchases Insurance

Should you need to purchase emergency items as a result of your checked bags getting lost or delayed while travelling, you can receive up to $500 to cover your immediate expenses⁵.

Auto Rental Collision/Loss Damage

Covers you for loss and damage to a rental vehicle up to the actual cash value of the rental vehicle (provided that you executed the rental agreement and paid the entire cost with your card and the rental vehicle has an MSRP under $65,000)¹².

View all insurances

Trip Cancellation and Trip Interruption Insurance

Enjoy coverage up to $1,500 per trip (to an overall maximum of $5,000) for each covered person in the event of an unexpected trip cancellation¹³ and up to $5,000 per trip (to an overall maximum of $25,000) for each covered person in the event of an unexpected trip interruption¹³.

Flight Delay Insurance

Receive up to $250 per day or $500 per trip should you incur expenses as a result of a delayed flight, missed connection or denied boarding¹¹.

Hotel/Motel Burglary Insurance

Covers you up to $2,500 should your personal property get lost or damaged as a result of a burglary of your hotel, motel or cruise cabin⁵.

Purchase Security

Protects eligible business purchases charged to your Avion Visa Infinite Business card against theft, loss or damage for 90 days from the day you buy them⁵.

Extended Warranty

Doubles the manufacturer's original warranty by up to one (1) additional year. This valuable coverage protects all eligible business items that are purchased on your Avion Visa Infinite Business card⁵.

Additional Benefits

Combine your Points to Redeem Sooner

Combine the RBC Rewards points earned on all your employees’ Avion Visa Infinite Business cards into one account, and pool your points between your business and personal Avion cards¹⁴.

Instant Gas Savings at Petro-Canada^‡

Link your credit card to your Petro-Points^‡ card today and start saving 3¢/L instantly on gas¹⁵. Plus, always earn 20% more RBC Rewards points and Petro Points¹⁶.

For more details click here

Personal Assistance Whenever you Need it

The Visa Infinite Business Concierge service can book event tickets, restaurants, help you plan your business travels, and locate hard-to-find items⁴.

Air Travel Made Better

Complimentary Priority Pass membership³ gives you access to over 1200 airport lounges worldwide.

Rest Easy – In Comfort and Style

The Visa Infinite^‡ Luxury Hotel Collection offers benefits such as late check-outs and automatic room upgrades¹⁷.

Exclusive Dining Experiences

Savour unique dishes and meet the chefs that create them at the top restaurants with the Visa Infinite^‡ Dining Series¹⁷.

Credit Card Controls

Misplaced your RBC credit card? Now you can lock your card directly from your phone using the RBC Mobile¹⁸ app. Unlocking it is just as easy.

Learn More

Manage Your Credit Card Online

With RBC Online Banking for business, you can pay your credit card and other bills and check your balances and transactions online anytime.

You May Also Consider:

Making Transactions

Digital Account Package

Save time and money when you bank electronically.

More about the Digital Account Package

Borrowing Money

Royal^® Business OperatingLine

Supplements your cash flow by providing your business with a line of credit that you can access anywhere at any time.

More About OperatingLine

Ready to Apply?

How many employees do you have?

Less Than 10 Employees

More Than 10 Employees

Call our 24/7 Business Helpline

1-800-769-2520

Locate a Branch Near You

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You May Also Be Interested In:

Documentation

Resources

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).

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

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 cardholders are not eligible for this 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

To participate in the Priority Pass program (the “Program”) and be exempt from the annual $99USD membership fee, you must first enrol for this benefit through prioritypass.com/rbcavib. Thereafter, the annual Program membership fees will be waived, every year, as long as you remain an RBC Avion Visa Infinite Business cardholder and your credit card is in good standing. Program membership includes access to any airport lounge participating in the Program. To view the full list of participating airport lounges, their facilities, opening times and restrictions, please visit: https://www.prioritypass.com/en/airport-lounges. To access a lounge, you must show your valid Priority Pass membership card. All visits are subject to a fee of $32 US per person, per visit, which will automatically be charged to the payment card you designated for that purpose when you enrolled in Priority Pass. By enrolling in Priority Pass, you agree to abide by the Priority Pass Conditions of Use, available at: https://www.prioritypass.com/en/conditions-of-use and the individual lounge operators’ terms of use for the participating lounges visited, available at https://www.prioritypass.com/en/terms-of-use. Full Program Terms and Conditions will be sent to you upon enrolment. The Program and associated services are provided by Priority Pass Ltd, not Royal Bank of Canada (“RBC”). RBC reserves the right to cancel, modify or withdraw this benefit at any time, even after you have enrolled in the Program. Also, if you change your RBC Avion Visa Infinite Business card for another type of card or if you close your credit card account, you will automatically lose this benefit.

There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Avion Visa Infinite Business card. For complete details, go to; www.visainfinite.ca.

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

Subject to availability. Some restrictions may apply. For complete details, please visit: www.rbcrewards.com/travel-rewards. For complete 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).

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: www.rbcrewards.com or call 1-800 ROYAL^® 1-2 (1-800-769-2512).

You may redeem your points for a voucher that may be used to make a contribution towards any of the registered plans listed under the RBC Registered Rewards category, or applied towards any of the following financial products: RBC Mortgage, RBC Homeline Plan, Royal Credit Line and RBC Personal Loan. Please allow up to 4 weeks for delivery of RBC Financial Rewards voucher. For complete terms, conditions and restrictions that apply to RBC Financial Rewards, please consult the RBC Rewards terms and conditions at: www.rbcrewards.com.

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, visit the RBC Rewards terms and conditions at: www.rbcrewards.com.

10)

Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

11)

Coverage Underwritten by RBC Insurance Company of Canada.

12)

Coverage Underwritten by Aviva General Insurance Company.

13)

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 prepaid travel arrangements that were purchased with the Avion Visa Infinite Business card if the trip is cancelled prior to their 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 Avion Visa Infinite Business 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. Coverage underwritten by RBC Insurance Company of Canada.

14)

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.

15)

To participate in this offer, you must have an RBC debit or credit card which is issued by RBC Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). When you participate in the Linked Loyalty Offers as a Business RBC Client, you will only be able to link up to two (2) Eligible Business RBC Credit Cards and one RBC Client Card to a Petro-Points Account. You must be enrolled in RBC Online Banking for business in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction. For more information, visit rbc.com/linkbusiness.

16)

Only certain RBC credit cards earn RBC Rewards points. Each time you use your linked Eligible RBC Card that earns RBC Rewards points to pay for purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards terms and conditions: rbcrewards.com/terms-and-conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into your RBC Rewards account. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at petro-points.com/terms. The collection of Petro-Points excludes taxes on non-petroleum purchases, tobacco, vaping products, gift cards and transit tickets.

17)

For full details on Visa Infinite, visit www.visainfinite.ca. You must be an eligible Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite offers, benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor Royal Bank of Canada is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers, benefits and services at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions. The Visa Infinite privacy policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Business Concierge or the Visa Infinite website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite cardholders are subject to such third parties’ own privacy policies.

18)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

The RBC^® Avion^® Visa Infinite Business^‡

A card that lets you make the most of your business spending