

3.3
/5
RBC
RBC Avion Visa Infinite Business Credit CardBusiness Points Calculator
Get 35,000 Welcome Avion points upon approval(2)
Our Take
The premium tier of RBC’s business Avion line, with a higher 1.25x flat earn rate and noticeably better insurance — including trip cancellation, emergency medical, and rental car coverage. Avion points transfer to partners like British Airways, WestJet, and Cathay Pacific, which can unlock outsized value on flights if you know how to use them. At $175/year, it’s a meaningful step up in fee from the regular Avion Business card, so it really only makes sense if you’ll use the insurance and travel perks. Not ideal for businesses that prefer straightforward cash back or don’t travel much.
Business Spending
Foreign currency
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$
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
$1,203.6
in RBC Avion (Elite) Rewards points a year
Welcome bonus
$700
first year only
Annual fee
$175
FX fees
$180
2.5% on $600/mo
First-year value
$1,548.6
$848.6 in years after
Annual rewards
$1,203.6
in RBC Avion (Elite) Rewards points a year
Welcome bonus
+ $700
first year only
Annual fee
− $175
FX fees
− $180
2.5% on $600/mo
First-year value
$1,548.6
$848.6 in years after
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $175
Additional Cards: $75 (max 9)
Welcome Bonus
Get 35,000 Welcome Avion points upon approval.2 That’s enough points to fly almost anywhere in Canada & the US except Hawaii & Alaska (a value of up to $750^), taxes & fees extra. Enjoy the travel benefits, plus access to other features designed to help simplify your business and maximize cash flow.
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
Card Type
Credit
Our Rating
3.3/5
Institution
RBC
How You Earn Rewards
- Earn 1.25 Avion points for every $1 spent in net purchases with your card, on up to $75,000 per year3
- Earn 1 Avion point for every $1 spent in net purchases after the first $75,000 annually
RBC Avion Visa Infinite 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: $1,203.6
All other business spending (17 categories)
Office Supplies
$3,000/yr
3,744 pts
Electronics & Software
$1,200/yr
1,500 pts
Gas & EV Charging
$3,600/yr
4,500 pts
Air Canada
$1,200/yr
1,500 pts
Other Airlines
$600/yr
744 pts
Hotels
$1,800/yr
2,244 pts
Car Rental
$600/yr
744 pts
Other Travel
$600/yr
744 pts
Dining & Restaurants
$3,600/yr
4,500 pts
Phone, Internet & Cable
$2,400/yr
3,000 pts
Shipping & Courier
$1,800/yr
2,244 pts
Accounting & Bookkeeping
$1,800/yr
2,244 pts
Recurring Bills & Subscriptions
$4,800/yr
6,000 pts
Transportation
$1,200/yr
1,500 pts
US Dollar Purchases
$6,150/yr
7,692 pts
Other Foreign Currencies (EUR, GBP, etc.)
$1,230/yr
1,536 pts
All Other Business Expenses
$12,600/yr
15,744 pts
Welcome bonus at your spending
$700
35,000 Avion points on approval
35,000 pts
Insurance & Benefits
Insurance
Coverage
Mobile Device Insurance
Purchase Protection
Extended Warranty
Common Carrier Travel Accident Insurance
Travel Medical Insurance (64 & under)
Travel Medical Insurance (65 to 75)
Trip Interruption
Trip Cancellation
Hotel Burglary Insurance
Baggage Delay
Lost or Stolen Baggage
Flight Delay
Car Rental Damage & Theft
Benefits
Details
Gas Discount
Airport Lounge - Dragon Pass
Pros & Cons
Pros
- Decent reward flat rate
- Flexible redemption options
- Comprehensive insurance
- Interest-free grace period
- Gas discounts
Cons
- Supplementary card fees
- Foreign transaction fees
Legal
^Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512 ).
2 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 Infinite Business cardholders, as well as existing RBC Avion Visa Business cardholders, applying for or transferring to the RBC Avion Visa Infinite 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 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