What is a business credit card?
Whether you are starting a small business or an established corporation, a business credit card will help you separate company and personal expenses for bookkeeping and tax purposes. It will also build credit history for your business.
RBC business credit cards are right for business owners who:
- Need less than 10 credit cards for their business
- Are looking for simple, secure and convenient payment options
- Want to improve cash flow with extended days payable
The Benefits of an RBC Business Credit Card
Enjoy a variety of business specific benefits to help bring your business to the next level.
Better Cash Flow Management
From everyday purchases to paying suppliers, enjoy better cash flow management with an RBC business credit card.
Interest-free Grace Period of up to 21 days
Enjoy interest-free grace periods on new purchases with an RBC business credit card, allowing you to manage cash flow and build better relationships with suppliers.
Easily Track Expenses and Payments
Separate business expenses from personal ones, see where your money is going, and understand how to make it work better for your business with advanced tracking and cash management.
Enjoy Rewards and Benefits
Earn Avion points or cash back credits1 on all your business spending that you can use for personal rewards or reinvest it back into the business.
Find the Best RBC Credit Card for Your Business
Explore our range of credit cards designed for small businesses in Canada.
Avion Visa Infinite Business
- Receive 35,000 Welcome Avion points upon enrollment*
- Earn 1.25 Avion points for every $1 spent on net purchases, up to $75,000 per year2
- Access a premium rewards program with flexibility to redeem your points for travel, merchandise, gift cards and more3
- Get peace of mind while travelling with a suite of comprehensive insurance coverages including Mobile Device Insurance4
$175
Annual Fee
$75
Additional Card
19.99%
Purchase Interest Rate
22.99%
Cash Advance Rate
Avion Visa Business
- Receive 35,000 Welcome Avion points upon enrollment^
- Earn 1 Avion point for every $1 spent on net purchases1
- Access a premium rewards program with flexibility to redeem your points for travel, merchandise, gift cards and more
- Enjoy a suite of premium insurance coverages – including Mobile Device Insurance4
$120
Annual Fee
$50
Additional Card
19.99%
Purchase Interest Rate
22.99%
Cash Advance Rate
Business Cash Back Mastercard
- Limited Time Offer: $60 bonus with minimum $3K spend in the first three months**.
- Earn cash rewards on all net purchases and reinvest them back into the business
- Earn 2% cash back on purchases within the first 3 months5 and 1% cash back thereafter6
- No Annual Fee
$0
Annual Fee
$0
Additional Card
19.99%
Purchase Interest Rate
22.99%
Cash Advance Rate
Visa Business Card
- A no-frills business credit card that offers convenience and flexibility
- Enjoy the security of a credit card with protection against unauthorized charges by employees4
- Low Annual Fee
$12
Annual Fee
$12
Additional Card
19.99%
Purchase Interest Rate
22.99%
Cash Advance Rate
Visa CreditLine for Small Business
- Enjoy the functionality and low interest rate of a line of credit in the convenience of a credit card
- Earn 1 Avion point for every $2 spent on net purchases1
- No Annual Fee
$0
Annual Fee
$0
Additional Card
From Prime +
2.9% to 11.9%7
Purchase Interest Rate
22.99%
Cash Advance Rate
Manage your Business with RBC Beyond Banking Services.
- Register or incorporate in minutes.
- Make and receive business payments with ease.
- Reduce risk on your global payments. Online Foreign Currency Account.
- Need more information? Talk to a Business Advisor at RBC.
Ready to Apply for a Business Credit Card?
Apply online or speak with an RBC Advisor today.
Already an RBC client? Log into OLB to apply online
Already an RBC client? Log into OLB to apply online
Sign In To ApplyFAQs
- Track business expenses and simplify tax filing
- Maximize cash flow with an interest-free grace period on new purchases (17 - 21 days depending on the type of credit card)
- Build better relationships with suppliers by paying on time
- Build your business credit score for future credit needs
- Earn rewards with built-in programs such as Avion Rewards or cash back with eligible cards
- Redeem Avion points for personal use or reinvest them back into the business.
- Lock your card with the RBC Mobile app or RBC Online Banking
- Report your lost or stolen card through:
- RBC Online Banking
- Call our 24-hour toll-free number 1-800-361-0152 or Outside North America: 514-392-9167 (collect) immediately if your RBC Royal Bank credit card is lost or stolen
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