Amex Aeroplan Business Reserve vs RBC Avion Visa Infinite Business Credit Card

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

American Express® Aeroplan®* Business Reserve Card

American Express® Aeroplan®* Business Reserve Card

4.7

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RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business Credit Card

3.3

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Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,674

First-year value

$1,549

$439

Every year after

$849

Amex Aeroplan Business Reserve is worth $125 more to your business in year one.

From year two, RBC Avion Visa Infinite Business Credit Card pulls ahead by $410 a year.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$1,217.75Better of the two
in Aeroplan points a year

Annual rewards

$1,203.6
in RBC Avion (Elite) Rewards points a year
+ $1,235Better of the two
first year only

Welcome bonus

+ $700
first year only
− $599

Annual fee

Better of the two− $175
− $180
2.5% on $600/mo

FX fees

− $180
2.5% on $600/mo
$1,673.75Better of the two

First-year value

$1,548.6

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

RBC Avion Visa Infinite Business Credit Card earns more on 14 of your 17 categories, Amex Aeroplan Business Reserve on 3.

$299.14
at 1.25x

All Other Business Expenses

$12,600 a year

Better of the two$314.88
at 1.25x
$146.15
at 1.25x

US Dollar Purchases

$6,150 a year

Better of the two$153.84
at 1.25x
$114
at 1.25x

Recurring Bills & Subscriptions

$4,800 a year

Better of the two$120
at 1.25x
$85.5
at 1.25x

Gas & EV Charging

$3,600 a year

Better of the two$90
at 1.25x
$85.5
at 1.25x

Dining & Restaurants

$3,600 a year

Better of the two$90
at 1.25x
$71.14
at 1.25x

Office Supplies

$3,000 a year

Better of the two$74.88
at 1.25x
$57
at 1.25x

Phone, Internet & Cable

$2,400 a year

Better of the two$60
at 1.25x
$68.4Better of the two
at 2x

Hotels

$1,800 a year

$44.88
at 1.25x
$42.64
at 1.25x

Shipping & Courier

$1,800 a year

Better of the two$44.88
at 1.25x
$42.64
at 1.25x

Accounting & Bookkeeping

$1,800 a year

Better of the two$44.88
at 1.25x
$29.18
at 1.25x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

Better of the two$30.72
at 1.25x
$28.5
at 1.25x

Electronics & Software

$1,200 a year

Better of the two$30
at 1.25x
$68.4Better of the two
at 3x

Air Canada

$1,200 a year

$30
at 1.25x
$28.5
at 1.25x

Transportation

$1,200 a year

Better of the two$30
at 1.25x
$14.14
at 1.25x

Other Airlines

$600 a year

Better of the two$14.88
at 1.25x
$22.8Better of the two
at 2x

Car Rental

$600 a year

$14.88
at 1.25x
$14.14
at 1.25x

Other Travel

$600 a year

Better of the two$14.88
at 1.25x
$1,217.75Better of the two

Rewards in a year

$1,203.6

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

Amex Aeroplan Business Reserve

  • Earn up to 90,000 Welcome Bonus Aeroplan®* points
  • Earn 65,000 Aeroplan®* points after spending $10,500 on your Card within the first 3 months as a new American Express® Aeroplan®* Business Reserve Cardmember.
  • Plus, earn 25,000 Aeroplan points when you spend $3,500 in month 13.
  • You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.

RBC Avion Visa Infinite Business Credit Card

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.

Amex Aeroplan Business Reserve

Worth $1,235 at your spending

65,000 Aeroplan points when you spend $10,500 in the first 3 months

65,000 pts

25,000 Aeroplan points when you spend $3,500 in month 13 (card year 2)

25,000 pts

RBC Avion Visa Infinite Business Credit Card

Worth $700 at your spending

35,000 Avion points on approval

35,000 pts

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$599

⁕ Notice: As of Jan 12, 2027, the American Express® Aeroplan®* Business Reserve Card annual fee will increase to $799. Annual fees charged on or after this date will reflect the new fee. The Employee Aeroplan®* Business Reserve Card annual fee will increase to $249. The Employee Aeroplan®* Business Reserve No Fee Card will be renamed to the Employee Aeroplan®* Business Reserve Expense Card and the annual fee will increase to $25. Learn more about new benefits.

Annual fee

Better of the two$175
$0

Employee cards

$75 (max 9)
2.5%

Foreign transaction fee

2.5%
Aeroplan

Rewards

RBC Avion (Elite) Rewards
American Express

Network

Visa

Amex Aeroplan Business Reserve

Interest rates

Purchase:

21.99%1

Cash Advance:

21.99%1

1 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.

Recommended credit score

300
Poor
693
Fair
743⁎
Good
790⁎
Very Good
833⁎
Excellent
⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

RBC Avion Visa Infinite Business Credit Card

Interest rates

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Recommended credit score

300
Poor
560
Fair
660
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$60,000

Min Household Income:

$100,000

How each card earns

The earn rates and caps, as each issuer sets them.

Amex Aeroplan Business Reserve

  • 3x Aeroplan® points per $1 spent on eligible Air Canada® and Air Canada Vacations® purchases
  • 2x Aeroplan® points per $1 spent on eligible hotel and car rental purchases in Canada
  • 1.25x Aeroplan® points per $1 spent on all other eligible purchases

RBC Avion Visa Infinite Business Credit Card

  • 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

Insurance and perks

What both cards include comes first in each list.

Amex Aeroplan Business Reserve

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000/person after 6 hours
  • car insurance

    Car Rental Damage & Theft

    $85K MSRP up to 48 consecutive rental days
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • extended warranty

    Extended Warranty

    1 years
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $1000
  • travel accident medical

    Travel Medical Insurance (64 & under)

    $5M/insured up to 15 days
  • cancel airplane

    Trip Cancellation

    $1,500/person, $3K/trip
  • pause

    Trip Interruption

    $1,500/person, $6K/trip
  • hourglass timer

    Flight Delay

    $1,000/person after 4 hours

Perks

  • airplane love

    Companion Voucher

    Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
  • star fall

    Status lift

    Complimentary upgrade to Avis® President's Club
  • star fall

    Status lift

    Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
  • star fall

    Status lift

    Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.
  • star fall

    Status lift

    Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
  • luggage

    Free first checked bag

    First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
  • reward cup

    Extra points

    Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
  • bed furniture

    Free Extra Night at Hotels

    Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
  • border guard

    Nexus Program Rebate

    $100 every 4 years
  • airport waiting room

    Priority Travel

    At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
  • airport waiting room

    Priority Travel

    Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
  • alcohol cheers

    Airport Lounge - Maple Leaf and AirCanada Cafes

    Unlimited Access for you and one guest
  • alcohol cheers

    Airport Lounge - Priority Pass

    Pass only. No Complimentary visits!
  • Amex logo

    Amex Experiences™

    Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more

RBC Avion Visa Infinite Business Credit Card

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Included
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days (unlimited coverage)
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

  • mobile device insurance

    Mobile Device Insurance

    $2,000
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    3 days

Perks

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, must pay $32 USD per visit
  • gas station

    Gas Discount

    save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada

Our take

Amex Aeroplan Business Reserve

The most aggressive Aeroplan earning card you can get for a business: 3x on Air Canada, 2x on hotels and car rentals, and 1.25x on everything else. The $599 annual fee is steep, but the perks are hard to match — unlimited Maple Leaf Lounge access, Priority Pass membership, free checked bags, and an Annual Worldwide Companion Pass that alone can be worth hundreds. If your business spends heavily on Air Canada flights and travel, this card can return serious value. But be honest about your travel volume — at this fee, light travelers will lose money. This is a card you need to actively use to justify.

  • Premium earning rates
  • Comprehensive coverage
  • Unlimited airport lounge access
  • Priority Pass membership
  • Annual companion pass
  • Free first checked bags
  • NEXUS program rebate
  • Priority travel perks
  • High annual fee
  • Benefit limitations and conditions
  • Less valuable for non-travellers

RBC Avion Visa Infinite Business Credit Card

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.

  • Decent reward flat rate
  • Flexible redemption options
  • Comprehensive insurance
  • Interest-free grace period
  • Gas discounts
  • Supplementary card fees
  • Foreign transaction fees

More business card comparisons

Each card against every other business card we review.

Legal


Amex Aeroplan Business Reserve

*Terms and conditions apply.


If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.


American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

RBC Avion Visa Infinite Business Credit Card

^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