Marriott Bonvoy® Business American Express® Card 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.
$1,204
First-year value
$1,549
$602
Every year after
$849
RBC Avion Visa Infinite Business Credit Card is worth $345 more to your business in year one.
It stays ahead after that, by $247 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 10 of your 17 categories, Marriott Bonvoy® Business American Express® Card on 7.
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
Rewards in a year
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
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.
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
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
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
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.
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)
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.
Marriott Bonvoy® Business American Express® Card
Insurance
Lost or Stolen Baggage
$500Baggage Delay
$500Car Rental Damage & Theft
YesCommon Carrier Travel Accident Insurance
$500,000Mobile Device Insurance
$1,000Extended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$500Flight Delay
$500
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.
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
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
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.
Marriott Bonvoy® Business American Express® Card

vs Amex Aeroplan Business Reserve

vs Amex Business Gold

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 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 Business Gold

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 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
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.
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




