EN
An RBC business credit card is good 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.
Business Credit Cards
Avion Visa Infinite Business
- Receive 25,000 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
Avion Visa Business
- Receive 20,000 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
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
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?
Already an RBC client? Log into OLB to apply online
Already an RBC client? Log into OLB to apply online
Sign In To ApplyFAQs
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.
- 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
View Legal DisclaimersHide Legal Disclaimers
*
To receive the 25,000 bonus Avion points (“Bonus”), your application must be approved by us. Upon enrolment, 25,000 bonus Avion points will appear on your first credit card statement. Bonus is only offered to the Primary Business Cardholder on the account; additional Primary Business Cardholder(s) and Secondary Business Cardholder(s) are not eligible for this offer. This welcome bonus is not available to existing or former RBC Avion Visa Infinite Business primary cardholders applying for or transferring to an RBC Avion Visa Infinite Business card. This offer may be revoked at any time if we suspect 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. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
^
To receive the 20,000 bonus Avion points (“Bonus”), your application must be approved by us. Upon enrolment, 20,000 bonus Avion points will appear on your first credit card statement. Bonus is only offered to the Primary Business Cardholder on the account; additional Primary Business Cardholder(s) and Secondary Business Cardholder(s) are not eligible for this offer. This welcome bonus is not available to existing or former RBC Avion Visa Business primary cardholders applying for or transferring to an RBC Avion Visa Business card. This offer may be revoked at any time if we suspect 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. 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.
1
Avion points and cash back statement credits 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.
2
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.
3
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).
4
All insurance is subject to limitations and exclusions. Please refer to the insurance certificate for your card for complete details.
5
Annual cash back cap: $650.
6
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.
7
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.
8
Purchase Rate: 19.99% (20.99%, as of April 1, 2023)
