Business Credit Cards

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Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

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To be exempt from the annual fee for the first year (“Annual fee Waiver”) and to receive 35,000 welcome Avion points (“Welcome Points”), your application for the RBC Avion Visa Infinite Business credit card must be received by June 2, 2025 and approved by us. The Welcome Points will appear on your monthly credit card statement within 60 days after your application has been approved, provided that your RBC Avion Visa Infinite Business credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Points are awarded to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status. Only the primary business owner on the Credit Card Account is eligible for the Annual Fee Waiver and the Welcome Points; any additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders as of the offer eligibility period, as well as existing RBC Avion Visa Business cardholders transferring to the RBC Avion Visa Infinite Business credit card 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 cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion. If you change your actual RBC Avion Visa Infinite Business card for another type of business credit card before the Welcome Points are awarded to your Credit Card Account, you may lose the benefit of this offer.

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To be exempt from the annual fee for the first year (“Annual fee Waiver”) and to receive 35,000 welcome Avion points (“Welcome Points”), your application for the RBC Avion Visa Business credit card must be received by June 2, 2025, and approved by us. The Welcome Points will appear on your monthly credit card statement within 60 days after your application has been approved, provided that your RBC Avion Visa Business credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Points are awarded to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status. Only the primary business owner on the Credit Card Account is eligible for the Annual Fee Waiver and the Welcome Points; any additional business owner(s) and cardholder(s), existing RBC Avion Visa Business cardholders as of the offer eligibility period, as well as existing RBC Avion Visa Infinite Business cardholders transferring to the RBC Avion Visa Business credit card 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 cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion. If you change your actual RBC Avion Visa Business card for another type of business credit card before the Welcome Points are awarded to your Credit Card Account, you may lose the benefit of this offer.

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Avion points and cash back statement credits are earned on qualifying 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.

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You will earn: (i) 1.25 Avion 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 Avion 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. Avion 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 Avion Rewards program, please visit: avionrewards.com/terms-and-conditions.

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All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).

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All insurance is subject to limitations and exclusions. Please refer to the insurance certificate for your card for complete details.

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Annual cash back cap: $650.

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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.

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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.