Marriott Bonvoy® Business American Express® Card

The RBC Avion Visa Business Credit Card

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Marriott Bonvoy® Business American Express® Card vs The RBC Avion Visa Business Credit Card

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

Marriott Bonvoy® Business American Express® Card

4.5

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Our review Rewards calculator

The RBC Avion Visa Business Credit Card

3.1

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Our review Rewards calculator

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

$1,204

First-year value

$1,363

$602

Every year after

$663

The RBC Avion Visa Business Credit Card is worth $159 more to your business in year one.

It stays ahead after that, by $61 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.

$931.9

in Marriott Bonvoy points a year

Annual rewards

$963.36

in RBC Avion (Elite) Rewards points a year

+ $602

first year only

Welcome bonus

+ $700

first year only

− $150

Annual fee

− $120

− $180

2.5% on $600/mo

FX fees

− $180

2.5% on $600/mo

$1,203.9

First-year value

$1,363.36

Where each card earns

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

The RBC Avion Visa Business Credit Card earns more on 10 of your 17 categories, Marriott Bonvoy® Business American Express® Card on 7.

$216.72

at 2x

All Other Business Expenses

$12,600 a year

$252

at 1x

$105.78

at 2x

US Dollar Purchases

$6,150 a year

$122.88

at 1x

$82.56

at 2x

Recurring Bills & Subscriptions

$4,800 a year

$96

at 1x

$92.88

at 3x

Gas & EV Charging

$3,600 a year

$72

at 1x

$92.88

at 3x

Dining & Restaurants

$3,600 a year

$72

at 1x

$51.6

at 2x

Office Supplies

$3,000 a year

$60

at 1x

$41.28

at 2x

Phone, Internet & Cable

$2,400 a year

$48

at 1x

$46.44

at 3x

Hotels

$1,800 a year

$36

at 1x

$30.96

at 2x

Shipping & Courier

$1,800 a year

$36

at 1x

$30.96

at 2x

Accounting & Bookkeeping

$1,800 a year

$36

at 1x

$21.16

at 2x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

$24.48

at 1x

$20.64

at 2x

Electronics & Software

$1,200 a year

$24

at 1x

$30.96

at 3x

Air Canada

$1,200 a year

$24

at 1x

$20.64

at 2x

Transportation

$1,200 a year

$24

at 1x

$15.48

at 3x

Other Airlines

$600 a year

$12

at 1x

$15.48

at 3x

Car Rental

$600 a year

$12

at 1x

$15.48

at 3x

Other Travel

$600 a year

$12

at 1x

$931.9

Rewards in a year

$963.36

Welcome bonus

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

Marriott Bonvoy® Business American Express® Card

Earn up to 80,000 bonus Marriott Bonvoy® points
New Marriott Bonvoy® Business American Express®* Cardmembers can earn 70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership
Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership

The RBC Avion Visa Business Credit Card

Enjoy 35,000 Welcome Avion points upon enrollment¹

Marriott Bonvoy® Business American Express® Card

Worth $602 at your spending

70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership

70,000 pts

The RBC Avion Visa Business Credit Card

Worth $700 at your spending

35,000 Avion points on enrollment

35,000 pts

Fees, rates and eligibility

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

$150

Annual fee

$120

$50

Employee cards

$50

2.5%

Foreign transaction fee

2.5%

Marriott Bonvoy

Rewards

RBC Avion (Elite) Rewards

American Express

Network

Visa

Marriott Bonvoy® Business American Express® Card

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

The RBC Avion Visa 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:

N/A

Min Household Income:

N/A

How each card earns

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

Marriott Bonvoy® Business American Express® Card

5x points per $1 on eligible purchases at participating Marriott Bonvoy hotels
3x points per $1 on eligible gas, dining and travel purchases
2x points per $1 on all other purchases (everyday business expenses and more)

The RBC Avion Visa Business Credit Card

Earn 1 Avion point for every $1 spent in net purchases with your card³

Insurance and perks

What both cards include comes first in each list.

Marriott Bonvoy® Business American Express® Card

Insurance

Lost or Stolen Baggage

$500

Baggage Delay

$500

Car Rental Damage & Theft

Yes

Common Carrier Travel Accident Insurance

$500,000

Extended Warranty

1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$500

Flight Delay

$500

Mobile Device Insurance

$1,000

Perks

Status lift

Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.

Free Extra Night at Hotels

Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.

The RBC Avion Visa Business Credit Card

Insurance

Lost or Stolen Baggage

$500

Baggage Delay

$500

Car Rental Damage & Theft

Included

Common Carrier Travel Accident Insurance

$500,000

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$2,500

Flight Delay

$500

Trip Cancellation

$1,500

Trip Interruption

$5,000

Perks

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

Marriott Bonvoy® Business American Express® Card

Built for businesses that book Marriott hotels regularly. You earn 5x Bonvoy points per dollar at Marriott properties, 3x on dining and gas, and 2x on everything else — the earn structure is strong across the board. The annual free night certificate (worth up to 35,000 points) can easily cover the $150 fee on its own, and Silver Elite status means room upgrades and late checkout. The main limitations: it’s an Amex, so acceptance can be spotty in Canada, and the points are most valuable within the Marriott ecosystem. If you don’t stay at Marriott properties, this card loses its edge.

Generous welcome bonus
High hotel optimization
Annual free night certificate
Automatic Silver Elite status

Lower acceptance
Annual fee

The RBC Avion Visa Business Credit Card

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.

Decent reward flat rate
Flexible redemption options
Comprehensive insurance
Interest-free grace period
Potential annual fee discount
Gas discounts

Low base earn rate
No lounge access
Supplementary card fees
Foreign transaction fees
Limited premium perks
No emergency medical insurance
Limited additional cards

More business card comparisons

Each card against every other business card we review.

Marriott Bonvoy® Business American Express® Card

The RBC Avion Visa Business Credit Card

Legal

Marriott Bonvoy® Business American Express® Card

*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.

The RBC Avion Visa Business Credit Card

¹To 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.

³Avion 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.