Amex Business Gold 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.
Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.
$1,866
First-year value
$1,549
$536
Every year after
$849
Amex Business Gold is worth $318 more to your business in year one.
From year two, RBC Avion Visa Infinite Business Credit Card pulls ahead by $312 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.
Annual rewards
Welcome bonus
Annual fee
FX fees
First-year value
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 17 of your 17 categories.
All Other Business Expenses
$12,600 a year
US Dollar Purchases
$6,150 a year
Recurring Bills & Subscriptions
$4,800 a year
Gas & EV Charging
$3,600 a year
Dining & Restaurants
$3,600 a year
Office Supplies
$3,000 a year
Phone, Internet & Cable
$2,400 a year
Hotels
$1,800 a year
Shipping & Courier
$1,800 a year
Accounting & Bookkeeping
$1,800 a year
Other Foreign Currencies (EUR, GBP, etc.)
$1,230 a year
Electronics & Software
$1,200 a year
Air Canada
$1,200 a year
Transportation
$1,200 a year
Other Airlines
$600 a year
Car Rental
$600 a year
Other Travel
$600 a year
Spend bonuses
on top of the rates
Rewards in a year
Welcome bonus
Each offer as the issuer words it, then which milestones your spending reaches.
Amex Business Gold
- Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year.
- Earn 50,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership.
- Plus, earn an additional 20,000 points after spending $30,000 on your Card in your first 12 months of Cardmembership.
- That’s up to $700 in statement credits to reinvest in your business.
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 Business Gold
Worth $1,330 at your spending
Earn 50,000 Membership Rewards® points after spending $7,500 on your Card in your first 3 months
50,000 pts
Earn 20,000 Membership Rewards® points after spending $30,000 on your Card in your first year
20,000 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.
Annual fee
Employee cards
Foreign transaction fee
Rewards
Network
Amex Business Gold
Interest rates
Purchase:
21.99% - 29.99%1
Cash Advance:
N/A1
1 This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
Recommended credit score
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
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 Business Gold
- 1x point per $1 spent on all purchases
- 10,000 points each quarter when you charge $20,000 in net purchases to your card
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 Business Gold
Insurance
Lost or Stolen Baggage
$500Baggage Delay
$500Car Rental Damage & Theft
yesCommon Carrier Travel Accident Insurance
$100,000Mobile Device Insurance
$1,000Extended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$500Flight Delay
$500
Perks
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.Priority Travel
Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™
RBC Avion Visa Infinite Business Credit Card
Insurance
Lost or Stolen Baggage
$1,000Baggage Delay
$500Car Rental Damage & Theft
IncludedCommon Carrier Travel Accident Insurance
$500,000Mobile Device Insurance
$2,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysHotel Burglary Insurance
$2,500Flight Delay
$500Travel Medical Insurance (64 & under)
15 days (unlimited coverage)Travel Medical Insurance (65 to 75)
3 daysTrip Cancellation
$1,500Trip Interruption
$5,000
Perks
Airport Lounge - Dragon Pass
Pass only, must pay $32 USD per visitGas 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 Business Gold
The American Express® Business Gold Rewards Card is an excellent choice for business owners who also travel seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options.
- Flexible rewards
- Travel perks
- Foreign transaction fees
- Limited travel insurance
- Lower acceptance
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.
Amex Business Gold

vs Amex Aeroplan Business Reserve

vs Amex Platinum Business

vs BMO CashBack Business Mastercard

vs BMO® Ascend World Elite®* Business Mastercard®*

vs CIBC Aventura® Visa* Card for Business

vs CIBC bizline® Visa* Card

vs Marriott Bonvoy® Business American Express® Card

vs National Bank Business Mastercard

vs National Bank Platinum Business Mastercard

vs Ramp Corporate Card

vs RBC® Business Cash Back Mastercard‡

vs Scotia Momentum Business Visa

vs Scotia Momentum® for business No Fee Visa* Card

vs Scotiabank Passport Business

vs TD Business Cash Back Visa* Card

vs TD Business Travel Visa* Card

vs TD® Aeroplan® Visa* Business Card

vs The RBC Avion Visa Business Credit Card

vs WestJet RBC® World Elite Mastercard® for Business
RBC Avion Visa Infinite Business Credit Card

vs Amex Aeroplan Business Reserve

vs Amex Platinum Business

vs BMO CashBack Business Mastercard

vs BMO® Ascend World Elite®* Business Mastercard®*

vs CIBC Aventura® Visa* Card for Business

vs CIBC bizline® Visa* Card

vs Marriott Bonvoy® Business American Express® Card

vs National Bank Business Mastercard

vs National Bank Platinum Business Mastercard

vs Ramp Corporate Card

vs RBC® Business Cash Back Mastercard‡

vs Scotia Momentum Business Visa

vs Scotia Momentum® for business No Fee Visa* Card

vs Scotiabank Passport Business

vs TD Business Cash Back Visa* Card

vs TD Business Travel Visa* Card

vs TD® Aeroplan® Visa* Business Card

vs The RBC Avion Visa Business Credit Card

vs WestJet RBC® World Elite Mastercard® for Business
Legal
Amex Business Gold
*Terms and conditions apply.
This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card.
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




