The Benefits of an RBC Business Credit Card

Enjoy a variety of business specific benefits to help bring your business to the next level.

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Better Cash Flow Management

From everyday purchases to paying suppliers, enjoy better cash flow management with an RBC business credit card.

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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.

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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.

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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.

Business Credit Cards

Avion Visa Infinite Business

Avion Visa Infinite Business
  • Receive 35,000 welcome 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

Visa Business Platinum Avion
  • Receive 35,000 welcome 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

Business Cash Back Mastercard
  • 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

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

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

 

Ready to Get Started?

Not an RBC client?

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Already an RBC client? Log into OLB to apply online

Already an RBC client? Log into OLB to apply online

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FAQs

No, your business credit score is built off the financial history of the business itself, not your personal spending habits. While your original application will require a personal credit check at the start, your business-related expenses, payments, and usage habits will help in building your business credit score for future financing needs.
A business credit card dedicated to your business needs is a great idea. Depending on the credit card selected, you can enjoy numerous benefits such as:
  • 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.
It depends on the type of RBC credit card you apply for, and whether you’re already an RBC client. As a small business owner, you’ll need some identification and a notice of assessment for the last 2 years. To find the right credit card for your business needs, explore our Business credit cards or use our Digital Business Tool to get a recommendation for your business. You can also discover great resources on setting up the appropriate business structure for your goals under our Business Advice page.
Locking your card will help protect from unauthorized charges, but if your card is lost or stolen, report it and we’ll cancel the card immediately and send you a one. You’ll receive your new RBC credit card within 7 – 10 business days.
  1. Lock your card with the RBC Mobile app or RBC Online Banking
  2. Report your lost or stolen card through:
    1. RBC Online Banking
    2. 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
Once you have informed us of the loss, we’ll be able to block the card from future use and issue a new card to you.

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