3.1
/5
RBC
The RBC Avion Visa Business Credit CardBusiness Points Calculator
Enjoy 35,000 Welcome Avion points upon enrollment(1)
Our Take
A straightforward travel rewards card: 1 Avion point per dollar on everything, no bonus categories to chase. The real appeal is the flexibility — Avion points transfer to British Airways Avios, WestJet dollars, and Cathay Pacific miles, giving you multiple ways to get value from your spending. At $120/year it’s reasonably priced for a travel card, and the 35,000-point welcome bonus helps offset the fee in year one. The 1x flat rate won’t wow anyone, but if you want a simple earn-and-transfer card for a business that spends broadly, this does it well. Just know that non-travel redemptions are poor value.
Business Spending
Foreign currency
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$
Everything else
$
Anything not listed here
Travel
$
$
$
$
$
$
Day-to-Day
$
$
$
$
$
Services & Bills
$
$
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Employee cards
Leave empty to skip. When set, their fees come off the card's value.
Card Details
Based on $4,000 monthly business spending
Annual rewards
$963.36
in RBC Avion (Elite) Rewards points a year
Welcome bonus
$700
first year only
Annual fee
$120
FX fees
$180
2.5% on $600/mo
First-year value
$1,363.36
$663.36 in years after
Annual rewards
$963.36
in RBC Avion (Elite) Rewards points a year
Welcome bonus
+ $700
first year only
Annual fee
− $120
FX fees
− $180
2.5% on $600/mo
First-year value
$1,363.36
$663.36 in years after
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $120
Additional Cards: $50
Welcome Bonus
- Enjoy 35,000 Welcome Avion points upon enrollment1
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
3.1/5
Institution
RBC
How You Earn Rewards
- Earn 1 Avion point for every $1 spent in net purchases with your card3
The RBC Avion Visa Business Credit Card Points Calculator
Your rewards by category
A year of your spending at this card's ongoing rates, grouped by what each category earns.
BASE
Spend: $48,180/yr
Reward: $963.36
All other business spending (17 categories)
Office Supplies
$3,000/yr
3,000 pts
Electronics & Software
$1,200/yr
1,200 pts
Gas & EV Charging
$3,600/yr
3,600 pts
Air Canada
$1,200/yr
1,200 pts
Other Airlines
$600/yr
600 pts
Hotels
$1,800/yr
1,800 pts
Car Rental
$600/yr
600 pts
Other Travel
$600/yr
600 pts
Dining & Restaurants
$3,600/yr
3,600 pts
Phone, Internet & Cable
$2,400/yr
2,400 pts
Shipping & Courier
$1,800/yr
1,800 pts
Accounting & Bookkeeping
$1,800/yr
1,800 pts
Recurring Bills & Subscriptions
$4,800/yr
4,800 pts
Transportation
$1,200/yr
1,200 pts
US Dollar Purchases
$6,150/yr
6,144 pts
Other Foreign Currencies (EUR, GBP, etc.)
$1,230/yr
1,224 pts
All Other Business Expenses
$12,600/yr
12,600 pts
Welcome bonus at your spending
$700
35,000 Avion points on enrollment
35,000 pts
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Extended Warranty
Common Carrier Travel Accident Insurance
Trip Interruption
Trip Cancellation
Hotel Burglary Insurance
Baggage Delay
Lost or Stolen Baggage
Flight Delay
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Car Rental Damage & Theft
Benefits
Details
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Gas Discount
Pros & Cons
Pros
- Decent reward flat rate
- Flexible redemption options
- Comprehensive insurance
- Interest-free grace period
- Potential annual fee discount
- Gas discounts
Cons
- Low base earn rate
- No lounge access
- Supplementary card fees
- Foreign transaction fees
- Limited premium perks
- No emergency medical insurance
- Limited additional cards
Legal
1 To receive the 35,000 Welcome Avion points (“Welcome Points”), your application must be approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), existing RBC Avion Visa Business cardholders, as well as existing RBC Avion Infinite Visa Business cardholders, applying for or transferring to the RBC Avion Visa Business credit card 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.
3 Avion points 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.