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

Annual Fee:

Additional Card:
$0 (max. of 1 additional card)

Purchase Rate:
From Prime + 2.9% to 11.9%8

Cash Advance Rate:
Prime + 2.9% to 11.9%

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

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Tell us about your business and we will find the solutions that are right for you.

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Key Features

Earn RBC Rewards Points

Earn 1 RBC Rewards point for every $2 spent in net purchases with your card1. Check out the RBC Business Rewards Calculator to see how quickly your points can add up!

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.


Earn Rewards

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®.

  • 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

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

Insurance & Protection


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


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

You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More.

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.

You May Also Consider:

Making Transactions

Digital Account Package

Save time and money when you bank electronically.

Investing in the Future

RBC MarketSmart® GICs

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

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* Only applicable to clients who enrolled before June 1st, 2020. This product is no longer available for new enrollments.

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