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Visa CreditLine for Small Business

visa creditline card

The Functionality of a Line of Credit Combined With the Convenience of Credit Card

Get easy access to the credit you need, when your business needs it – at a low, competitive interest rate for no annual fee. Plus, earn RBC Rewards points that you can use to invest in your business.

Find a Branch 1-800-769-2520

Reward Type:
RBC Rewards

Purchase Rate:
From Prime + 0.9% to 6.9%8

Annual Fee:
$0

Additional Card:
$0 (maximum of 2 cards)

This Card Is Good for a Business Owner Who Wants:

  • A card for owners only (up to 2 cards available per company)

  • An unsecured line of credit in the convenience of a credit card

  • To earn rewards with no annual fee

Key Features

Earn RBC Rewards Points

Earn 1 RBC Rewards point for every $2 spent on every purchase made with your card1. Plus, you can earn additional bonus points when you shop online with our partners.

Redeem for Merchandise2, Gift Cards or Financial Rewards

RBC Rewards points can be used for more than just travel - use your points to invest in your business, provide incentives to employees, pay back your balance or simply reward yourself.

Keep Track of Your Business Spending

A dedicated business credit card lets you separate your business and personal expenses, which can help identify tax-deductible purchases.

Instant Fuel Savings at Petro-Canada†

Link your card3 and instantly save 3¢/L on fuel4 and always earn 20% more Petro-Points5 and RBC Rewards points6.

Rewards

Earn Rewards

  • Earn bonus points while you shop, make your RBC Rewards credit card even more rewarding.

Redeem Rewards

  • Redeem points online for the latest tech products at Apple‡ and Best Buy‡, gift cards/certificates at today’s hottest stores, specially selected merchandise items or RBC Financial Rewards®.

  • Redeem for air travel rewards from the Air Travel Redemption Schedule. Book any flight, on any airline at anytime, instantly. RBC Rewards program is the only rewards platform that uses an online booking tool that’s powered by Orbitz‡

  • Enjoy other travel rewards including packaged holidays, hotels, car rentals, cruises and tours.

RBC Rewards

Whether you want to reward yourself or your employees, or even reinvest in your business, RBC Rewards provides you with plenty of redemption options.

Learn More about RBC Rewards

Insurance & Protection

7

Protects eligible business purchases1 charged to your Visa CreditLine for Small Business card against theft, loss or damage for 90 days from the day you buy them

7

Doubles the manufacturer's original Canadian warranty by up to one additional year, to a maximum of 5 years. This valuable coverage protects all eligible business items5 that are purchased on your Visa CreditLine for Small Business card.

Our 24-hour worldwide fraud detection keeps your card safe, while Visa’s Zero Liability eliminates your liability for fraudulent card transactions, provided you protect your PIN and card. Chip and PIN technology offers extra security with every purchase.

Additional Benefits

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

With RBC Online Banking, you can pay your credit card and other bills, transfer and receive funds, and check your balances – online, anytime.

Life and Disability Coverage protects you and your family in the event of the unexpected, and optional Travel Insurance offers peace of mind when you travel for business or pleasure.

You May Also Consider:

Making Transactions

$6 Small Business Account

A low monthly fee account offering flexibility and savings.

More About $6 Account

Investing in the Future

RBC MarketSmart® GICs

Enjoy the growth potential of equity markets while protecting your original investment.

More About GIC

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
Find a Branch

You May Also Be Interested In:

Documentation
Resources

Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
Petro-Canada is a Suncor business.
Trademark of Suncor Energy Inc. Used under licence.
All other trademarks are the property of their respective owner(s).
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. If a merchandise item is unavailable exactly as shown, a substitute of equal or greater value will be sent to you. 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).
To participate in this offer as a RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U.S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) (« Eligible RBC Card »). When you participate in the Linked Loyalty Program as a RBC business 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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusiness.
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.
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.
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. 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.
Coverage underwritten by Aviva General Insurance Company in Quebec and by RBC Insurance Company of Canada in the rest of Canada.
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.