RBC Avion Visa Infinite Business Card review

The RBC Avion Visa Infinite Business Card offers a high return on RBC Rewards points when you spend money on your business. You can earn points for every dollar you spend on this card, along with 35,000 bonus points just for signing up. You’ll also get premium travel benefits, mobile device insurance and discounts on gas at Petro Canada.

30-second take

• Think about this card if you want comprehensive benefits and flexible rewards.

• Choose something else if you want low interest or you’d prefer not to pay an annual fee.

• There’s no minimum annual income listed to qualify for this card.

The basics

If you want a premium travel card that gives you flexible Avion rewards when you spend money on your business, then the RBC Avion Visa Infinite Business Card could be just the ticket.

• High return. Earn points for every dollar you spend on your business.
• Welcome bonus. Get up to 35,000 bonus points when you sign up. Plus, get the annual fee waived for the first year.
• Fuel discounts. Save 3 cents per litre on fuel and get 20% more Petro-Points and RBC Rewards points when you spend money at Petro Canada.
• Priority lounge access. Gain access to 1,200+ airport lounges plus valuable airport dining and spa offers provided via DragonPass.
• Travel medical insurance. Avoid paying for third-party travel medical insurance with full coverage on your card for the first 15 days of your trip.
• Travel benefits. Get added security with additional trip interruption and cancellation protection as well as hotel burglary, flight delay and baggage insurance.
• Mobile device insurance. Get up to $2,000 to buy a new phone if your mobile device is lost, stolen or damaged (valid for the first two years of ownership).
• Purchase assurance. Rest easy with purchase protection and extended warranty coverage on eligible products you buy with your card.

The perks

• Car rental insurance. Lock in collision and damage insurance on your rental car when you pay for the whole purchase on your card.
• Emergency purchase insurance. Get up to $500 to cover your expenses if your checked bags get lost or delayed while travelling.
• Security features. Rest easy with security features like instant alerts, 24/7 fraud monitoring and online card-locking services.
• Higher earning potential. Pool the points you earn from your business and personal accounts to earn rewards faster.
• Special offers. Qualify for special offers from reputable brands and retailers when you sign in to your business account.
• Visa Infinite benefits. Access concierge services and get special offers on dining, entertainment, events and other activities.
• Business perks. Manage your business expenses with specialized reporting and receipt tracking software.

What to watch out for

• Annual fee. The annual fee for this card is $175, but it might be possible to have this fee discounted if you already have an Avion credit card.
• High interest. You’ll pay as much as 19.99% interest on outstanding balances and 22.99% on cash advances and balance transfers.
• Earning caps. You can only earn rewards up to $75,000 every year.
• No cashback. You can’t exchange points for cash in hand.
• Fee for additional cards. You’ll have to pay an annual fee of $75 for every card you add to your account.
• Conditional rewards. To qualify for discounts on gas, you’ll need to hold an RBC client card or credit card.

RBC Avion Visa Infinite Business Card interest rates

What should I know before I apply

• Eligibility requirements

  To apply for an RBC Avion Visa Infinite Business Card, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces).
  • Own a small business in Canada.

• Required documents and information

  • Your name, residential status and contact information.
  • Your social insurance number (SIN) and date of birth.
  • Your email address and phone number.

How to apply

1. Head to the RBC website and select the RBC Avion Visa Infinite Business Card to begin your application.
2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
3. Review and submit your application.

Bottom line

If you want to earn a high return on flexible rewards when you spend money on your business, then the RBC Avion Visa Infinite Business Card could be a suitable fit for you. This card offers a generous welcome bonus along with a full suite of travel benefits, mobile phone insurance and discounts with reputable brands and businesses.

Compare other business credit cards

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Purchase Interest Rate	Cash Advance Rate	Annual Fee	Minimum Income
American Express Aeroplan Business Reserve Card	21.99%	21.99%	$599	N/A	Earn up to 90,000 Welcome Bonus Aeroplan points. Plus, you can earn up to $5,600 in value within your first 13 months. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
Loop Corporate Credit Card	30%	30%	$0	N/A	Go to siteMore info Compare product selection Compare	loading
Business Platinum Card from American Express	21.99% - 29.99%	N/A	$799	N/A	Earn up to 120,000 bonus Membership Rewards points. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
Marriott Bonvoy Business American Express Card	21.99%	21.99%	$150	N/A	Earn 60,000 welcome bonus Marriott Bonvoy points. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
American Express Business Gold Rewards Card	21.99% - 29.99%	N/A	$199	N/A	Earn 40,000 Membership Rewards points after spending $7,500 in purchases within the first three months of Cardmembership. Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading

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Frequently asked questions

• Does the RBC Avion Visa Infinite Business Card offer a welcome bonus?

  It sure does. You can get up to 35,000 RBC Rewards points when you sign up for this card. It’s easy to qualify and you won’t need to fulfill any other conditions for your points to be loaded onto your account.

• How much are my points worth?

  The value of RBC Rewards points varies based on what you’re exchanging them for. That said, if we look at the value of points for flights, each point is worth around $0.023. This is based on the fact that you can exchange 15,000 points for a short-haul flight within Canada (worth up to $350).

• What can I redeem my points for?

  You can exchange your RBC Rewards points for discounts on flights, hotels and other travel-related rewards. It’s also possible to cash them in for merchandise, gift cards, statement credits and much more.

• Do any of RBC's Visa Business Cards come with a lower fee?

  Yes. If you want similar benefits for a lower fee, you can check out the RBC Avion Visa Business Card. You can also look into the RBC Visa Business Card if you want a no-frills card for under $15 per year.

• Can I apply online?

  Yes, you can apply by visiting the RBC bank website.